Digital lending

    3 pages carry this tag.

    Concept Guides

    Concept Guide

    Digital lending models

    How digital lending works in India: balance sheet, marketplace and co-lending models, FLDG, the RBI's lending service provider rules and unit economics.

    9 min readRead more
    Concept Guide

    Credit scoring (traditional and alt-data)

    How credit scores predict default: CIBIL and other bureau scores, internal scorecards, alternative data for thin-file borrowers, and the risks it brings.

    8 min readRead more
    Concept Guide

    Account aggregators

    How India's account aggregator framework lets people share financial data by consent: the roles of FIPs, FIUs and AAs, the consent flow and lending uses.

    7 min readRead more

    Related topics: Valuation, DCF, Relative valuation, Cost of capital, Financial statements, Cash flow, Earnings quality, Red flags