FinTechB2B

MSME Credit Scoring via Alternative Data

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

टैग

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

ओवरव्यू

समस्या

Over 60% of Indian MSMEs cannot access bank credit despite strong cash flows.

समाधान

ML scoring engine ingesting GST filing history and UPI transactions to generate creditworthiness scores for lenders.

टारगेट ऑडियंस

NBFCs, fintechs, and MFIs targeting the MSME credit segment

व्यापार मॉडल

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

निर्माण योजना

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

तकनीकी सिफारिश

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

बाजार अंतर्दृष्टि

—

डिमांड स्तर: High