FinTechB2B

MSME Credit Scoring via Alternative Data — Vernacular Edition

AI credit underwriting for MSMEs using GST and UPI flows to unlock formal lending.

Tags

credit-scoring,msme,fintech,lending,ai,b2b

Aperçu

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

vernacular Tier 2/3 users alongside NBFCs, fintechs, and MFIs targeting the MSME credit segment

Modèle économique

?10-30 per API call; ?50,000/month platform subscription

Plan de développement

  • Multi-source data aggregation
  • ML credit model
  • Bureau integration
  • Lender dashboard
  • Real-time score API

Recommandation tech

Bhashini API, Python, scikit-learn, FastAPI, AWS SageMaker, PostgreSQL

Étude de marché

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Niveau de la demande: High