<ul><li>Digital solutions are transforming India's credit underwriting process, replacing manual labour with tech-driven solutions.</li><li>Traditional underwriting methods based on credit scores and documented financial records often exclude a large segment of the population.</li><li>Digital credit underwriting utilizes alternative data sources and behavioral patterns to make informed decisions about creditworthiness.</li><li>With digital systems, financial institutions have seen increased approval rates and reduced default rates.</li></ul>

Beyond credit scores: Digital solutions transforming India’s credit underwriting

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