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Alternative Data

Using bank statement analysis, device data, GST filings, and behavioral signals to underwrite borrowers who fall outside the traditional credit bureau model.

Here's how QR Codes can help close India’s MSME credit gap of ₹25 trillion
Can QR Codes be the voice of small and opaque MSMEs?
11 Jul 2022 5 min read
Under the hood: The secret science of predicting credit risk
Unpacking cutting-edge credit-decisioning models
29 Jun 2022 7 min read
Deep dive: How risk-based pricing can help lenders save billions in credit losses
Risk as an opportunity: How to grow your loan book as key rate rises?
24 Jun 2022 7 min read
FinBox raises a $15 million round led by A91 Partners to deepen its Credit Infra and Data Product Offerings and expand internationally
Bengaluru, June 20, 2022: FinBox, a B2B credit infrastructure fintech, today announced a fundraise of $15 million (INR
20 Jun 2022 5 min read
Equated Daily Instalments
Move over EMIs: Understanding Equated Daily Instalments (EDIs) and how it’ll bring formal credit to 4 crore MSMEs
What does it take to run a successful EDI programme? Find out
30 May 2022 5 min read
Dire straits - Four charts reveal just how broken MSME lending is
Hello ! Hope you had a good week. Today, I am here to share some sobering but pretty interesting
27 May 2022 5 min read
GST invoices, alternate data and cash-flow underwriting: How to unlock the $400 bn MSME financing opportunity
When it comes to MSME financing, the problem of thin-file borrowers and informal setups crops up time
24 May 2022 3 min read
Beyond digitisation: Decoding AgriStack and its promise to reform agri financing
Is a UPI moment in agricultural credit almost here? Find out
13 May 2022 4 min read
Signals from the soil: Why data interoperability is crucial to agricultural lending
Agriculture is the sum of many parts. Its success depends on a range of factors from soil quality
13 May 2022 4 min read
Credit scores vs social scores: Can lenders use farmers’ social capital to provide agricultural financing?
For the most part, fintechs will argue that data-driven agricultural financing is a gift that will keep
2 May 2022 4 min read
Stacking for agriculture: Missing pieces of India’s Agristack puzzle
The stakes in agriculture are high - it's fraught with risks; for farmers, agri-businesses, lenders and
21 Apr 2022 3 min read
D2C brands and revenue-based financing - a match made in heaven?
While the pandemic made life tougher for large consumer brands as they tried to plug supply chain challenges,
12 Apr 2022 3 min read
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