Bridging the Financial Gap - How Kissht Enhances Financial Inclusion Across India
Kissht, a digital lending platform, has become instrumental in bridging the financial gap across the country, particularly for those in non-metro cities. By combining technology and a customer-centric approach, Kissht provides accessible personal loa
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EXPANDING CREDIT ACCESS TO NON-METRO CITIES Traditional banking systems have typically focused on metro areas, often leaving non-metro regions underserved. For individuals and businesses in these locations, obtaining credit has long been a challenge due to limited infrastructure and strict lending requirements. Kissht addresses this by using its personal loan app to streamline loan applications and approvals, allowing users to apply for instant personal loans and personal loans quickly and easily without extensive paperwork or in-person visits.
LEVERAGINGTECHNOLOGYFOR INCLUSIVELENDING A significant aspect of Kissht s success in expanding credit access is its use of technology-driven methods, such as data analytics and machine learning. Unlike traditional financial institutions, which rely heavily on established credit scores, Kissht s system can evaluate alternative data points, such as transaction histories and utility payments, to assess an individual s creditworthiness. This allows people with little to no formal credit history to access instant loans and personal credit options.
ETHICALCOLLECTIONPRACTICES TO BUILD TRUST Financial inclusion is only sustainable when collection practices are transparent and respectful. Kissht places a strong emphasis on empathy and ethical practices in its interactions with customers. Instead of relying on aggressive recovery measures, Kissht focuses on creating supportive communication channels for customers throughout the loan process, building long- term trust and reducing the stress associated with repayment.
SUPPORTINGSMALL BUSINESSES WITHACCESSIBLE FINANCING Small businesses are the backbone of local economies, especially in non-metro areas. However, a significant number of these enterprises struggle to obtain the funding necessary for growth. By offering accessible personal loans and instant loans through its loan app, Kissht provides small business owners with the resources they need to expand, hire, and invest in their businesses. This empowerment drives local economic growth, creating jobs and promoting development within communities.
