Credit scoring in India is evolving fast.
Banks no longer rely only on CIBIL — they’re tapping alternative data like UPI activity, mobile payments, OTT spend, and digital footprints.
AI models can now understand:
How you spend
How you repay
How stable your cashflow is
This shift is making lending more inclusive, especially for first-time borrowers.
AI isn’t just predicting risk — it’s unlocking credit access for millions.