How Credit Scores Changed Indian Borrowing Quick answer: Credit scores changed Indian borrowing by making loan approvals faster, more standardised, and more data led across banks and NBFCs in India. But while credit scoring improved consistency in retail lending, it did not fully remove bias, reporting issues, or access gaps for thin file and self […]
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11. Credit Cards vs Personal Loans vs BNPL – How Bureaus See Them Same money, different shapes Many people think: “₹50,000 on card, ₹50,000 personal loan, ₹50,000 BNPL – what’s the difference? It’s the same ₹50K.” From your life point of view, maybe yes. From a credit-data point of view, they look quite different. How […]
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BNPL & Small-Ticket Lending: Gaps the Models Don’t See The first time a BNPL or small-ticket portfolio really worries a lender, it’s rarely because of a model report. It’s usually because of a surprise in a big-book meeting. You’re in a quarterly risk review at a universal bank. Most of the time is reserved for […]
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Alternative Data vs Traditional Bureau Data: What Actually Changes in Real Books The first serious fight about “alternative data” in a lending institution rarely happens in a lab. It usually happens in a portfolio review where someone expected a win. At a midsized NBFC that has grown fast in personal loans, the analytics team is […]
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