CredAll

India is starved of affordable, formal credit. There is a massive market opportunity to be tapped here that has been inhibited because the current rails for flow of capital to the untapped market are broken. Check out : pn.ispirt.in/indias-new-cre…

Amazing to see Patrick calling out how countries like India have led the world in use cases like payment links. Expect more fintech innovations from India to scale globally in this decade. For context, 45 Million+ payment links were created on Razorpay in just the last month!

It was fun catching up with @youngarjeezy on #OCEN & #embeddedlending! This was in addition to Crosstalk sessions he drives with operators, where we discussed credit market at large. Really appreciate the effort to drive ecosystem conversations like these. @R0hanMalhotra

'To embed or not' - important to assess whether it's needed to begin with, and when you do, how to go about building a business case : embed.substack.com/p/the-embeddin… #embeddedlending

The recording of the 5th OCEN Open House Session on 'New Credit Inquiry Approach for Cash Flow based Sachet Loans' is available now : youtu.be/EKpi3e6Uoms @Product_nation @TheCredAll @sahamati

Today's OCEN session was great If you're building a FinTech product in India - reading about OCEN ("UPI for Lending") is an absolute must The discussion was about an impact on credit score as a result of using OCEN for cashflow lending. Recording will be available - worth it!

We are back with a new open house session on #OCEN this week! We’ll discuss “Credit Bureau Reporting for Cash Flow based Sachet Loans”. When : 5pm, Friday, 12th March. Register now! @ankits_tweets @TheCredAll @sahamati bit.ly/3bxv7yR

Just set up Emb.F[x] to share and learn about Embedded Finance. Excited to unpack a lot in the coming days. A preview of some of the topics below and 4 P's of Embedded Products : embed.substack.com/p/embfx-and-wh…

The market size of cash-flow lending is expected to grow to Rs 25 lakh crore by 2025. Account aggregators will play an important role in cash-flow lending. @TheCredAll

As the #MSMEFinanceWeek comes to a close, we would like to express our heartfelt gratitude to the panelists who provided us with unique insights on OCEN and LSPs. A big thank you to all the speakers for making this week a success! #GAME #GAMEIndia #MSMEs #BusinessContinuity #OCEN

Ankit Singh is the co-founder of @TheCredAll. It’s a non-profit collective that enables cash-flow based lending. He will be talking about the needs and benefits of LSPs at the #MSMEFinanceWeek session. Attend the session here:us02web.zoom.us/webinar/regist…

“OCEN is a very good example of how IT can empower people. Financial inclusion means users can leverage all of the processes/products of the financial system. OCEN enables data to be used by individuals" says Ms. Arundhati Bhattacharya,Former Chairman, @TheOfficialSBI. #BTS2020

An oce(a)n of opportunity : anatomy of a lending protocol to uplift the bottom of the pyramid - economictimes.indiatimes.com/prime/fintech-… #OCEN @sahamati @ETPrime_com

Cash flow-based lending is the next big thing in credit bfsi.economictimes.indiatimes.com/news/editors-v… via @ETBFSI @TheCredAll @ankits_tweets

Listen to ex-RBI deputy governor Viral Acharya on why the public credit registry (PCR) and account aggregator (AA) framework is important for sachetisation of credit in India. bfsi.economictimes.indiatimes.com/news/policy/we… @sahamati @IndiaDice @TheCredAll

Great paper! Reducing dependency on collateral and utilising big data dampens the financial accelerator mechanism. Also, uncollateralized financing based on real time cash flows and big data can play a key role in faster economic recovery of small businesses post COVID-19.

Reviving MSME: How AAs and Cash Flow Lending can unlock the potential economictimes.indiatimes.com/prime/economy-… @ETPrime_com @TheCredAll #AccountAggregator #OCEN

India Folks RT and help save some lives 🙏 My amazing colleague @joy_nikhiljoy whose family were affected by COVID, has created the first PLASMA donor exchange in India in association with @ManipalHealth They need all COVID survivors to register now 👇 amberhealth.in

Today's use-case discussion on OCEN hosted by @Product_Nation was 🔥 It covered (a) Consumer lending opportunities - Vehicle repair financing - Subscription fee financing (incl of school fees) (b) New classes of entities - Derived Data Provider - Underwriting modeller 1/2

Soak in the lay of the land - the OCEN enabled cash flow based lending. We covered the OCEN API specs and more. Captured by @RahulSanghi1 @karthikiyerks pn.ispirt.in/ispirt-third-o… @Product_Nation @TheCredAll @sahamati @India_Stack