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MSME Credit Scoring via Alternative Data — B2B Platform
AI credit underwriting for MSMEs using GST and UPI flows to unlock formal lending.
Tags
credit-scoring,msme,fintech,lending,ai,b2b
Overview
Problem
Over 60% of Indian MSMEs cannot access bank credit despite strong cash flows.
Solution
ML scoring engine ingesting GST filing history and UPI transactions to generate creditworthiness scores for lenders.
Target audience
B2B buyers and NBFCs, fintechs, and MFIs targeting the MSME credit segment
نموذج العمل
?10-30 per API call; ?50,000/month platform subscription
خطة البناء
- Multi-source data aggregation
- ML credit model
- Bureau integration
- Lender dashboard
- Real-time score API
توصية تقنية
API-first, Python, scikit-learn, FastAPI, AWS SageMaker, PostgreSQL
رؤى السوق
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مستوى الطلب: High