The Role of FinTech in Bridging India's Credit Gap: A Case Study on Digital Lending Platforms
Fuente:
Zenodo
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Recurso digital |
| Sprache: | Englisch |
| Veröffentlicht: |
Zenodo
2025
|
| Schlagworte: | |
| Online-Zugang: | |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
| _version_ | 1866901620898398208 |
|---|---|
| author | Ravnish, Ravnish |
| author_facet | Ravnish, Ravnish |
| contents | <p>This research paper explores how financial technology (FinTech) is transforming credit access in India, particularly among underserved populations. Focusing on digital lending platforms, the study investigates how innovative tools, regulatory shifts, and data-driven underwriting are enabling non-traditional borrowers—including MSMEs, gig workers, women, and rural consumers—to access formal credit. It provides an in-depth analysis of India’s credit gap, assesses the strengths and challenges of digital lending models, and presents case studies of prominent platforms like MobiKwik, Mahila Money, RevFin, and KreditBee. The paper also discusses policy implications, technological enablers such as AI and alternative data, and outlines potential risks such as regulatory uncertainty and data privacy concerns. This report contributes to academic and industry discussions on inclusive finance, digital transformation, and financial innovation in emerging economies.</p> <p> </p> <p> </p> <p> </p> <p>Publication Date:</p> <p> </p> <p>2025-05-12</p> <p> </p> <p> </p> <p> </p> <p>DOI:</p> <p> </p> <p>10.5281/zenodo.15387386</p> <p> </p> <p> </p> <p> </p> <p>Resource Type:</p> <p> </p> <p>Report</p> <p> </p> <p> </p> <p> </p> <p>Author:</p> <p> </p> <p>Ravnish Jangra</p> <p> </p> <p>B.Com (Hons), University of Delhi</p> <p> </p> <p>ravnishjangra10@gmail.com | https://www.linkedin.com/in/ravnish</p> <p> </p> <p> </p> <p> </p> <p>License:</p> <p> </p> <p>Creative Commons Attribution 4.0 International (CC BY 4.0)</p> <p> </p> <p>Keywords:</p> <p> </p> <p>FinTech, India, Digital Lending, Financial Inclusion, Credit Gap, MSMEs, Alternative Credit Scoring, Financial Technology, Digital Finance, Inclusive Lending, MobiKwik, Mahila Money, RevFin, KreditBee,Financial Innovation</p> |
| format | Recurso digital |
| id | zenodo_https___doi_org_10_5281_zenodo_15387386 |
| institution | Zenodo |
| language | eng |
| publishDate | 2025 |
| publisher | Zenodo |
| record_format | zenodo |
| spellingShingle | The Role of FinTech in Bridging India's Credit Gap: A Case Study on Digital Lending Platforms Ravnish, Ravnish Finance Fintech Digital Digital lending Msme Credit <p>This research paper explores how financial technology (FinTech) is transforming credit access in India, particularly among underserved populations. Focusing on digital lending platforms, the study investigates how innovative tools, regulatory shifts, and data-driven underwriting are enabling non-traditional borrowers—including MSMEs, gig workers, women, and rural consumers—to access formal credit. It provides an in-depth analysis of India’s credit gap, assesses the strengths and challenges of digital lending models, and presents case studies of prominent platforms like MobiKwik, Mahila Money, RevFin, and KreditBee. The paper also discusses policy implications, technological enablers such as AI and alternative data, and outlines potential risks such as regulatory uncertainty and data privacy concerns. This report contributes to academic and industry discussions on inclusive finance, digital transformation, and financial innovation in emerging economies.</p> <p> </p> <p> </p> <p> </p> <p>Publication Date:</p> <p> </p> <p>2025-05-12</p> <p> </p> <p> </p> <p> </p> <p>DOI:</p> <p> </p> <p>10.5281/zenodo.15387386</p> <p> </p> <p> </p> <p> </p> <p>Resource Type:</p> <p> </p> <p>Report</p> <p> </p> <p> </p> <p> </p> <p>Author:</p> <p> </p> <p>Ravnish Jangra</p> <p> </p> <p>B.Com (Hons), University of Delhi</p> <p> </p> <p>ravnishjangra10@gmail.com | https://www.linkedin.com/in/ravnish</p> <p> </p> <p> </p> <p> </p> <p>License:</p> <p> </p> <p>Creative Commons Attribution 4.0 International (CC BY 4.0)</p> <p> </p> <p>Keywords:</p> <p> </p> <p>FinTech, India, Digital Lending, Financial Inclusion, Credit Gap, MSMEs, Alternative Credit Scoring, Financial Technology, Digital Finance, Inclusive Lending, MobiKwik, Mahila Money, RevFin, KreditBee,Financial Innovation</p> |
| title | The Role of FinTech in Bridging India's Credit Gap: A Case Study on Digital Lending Platforms |
| topic | Finance Fintech Digital Digital lending Msme Credit |
| url | https://doi.org/10.5281/zenodo.15387386 |