Скачать или смотреть No CIBIL? No Problem! AI Credit Score for 190 Million Indians

190 million people in India are unable to get bank loans — not because they are irresponsible, but because they lack traditional credit proof like CIBIL scores, salary slips, or income tax returns.

Gig workers, daily wage earners, small shop owners, students, and self-employed individuals manage money responsibly, pay bills on time, use UPI regularly, and save whenever possible — yet they remain invisible to the banking system. This problem is known as Credit Invisibility.

In this video, we present an AI-powered alternative credit scoring system that evaluates financial behavior instead of credit history.

🔍 What This System Does:

Uses income patterns, expenses, UPI transactions, bill payments, savings, and income stability

Applies Machine Learning to analyze 6 behavioral financial metrics

Generates a CIBIL-like credit score (300–900) in real time

Produces professional, explainable credit reports

Works for first-time borrowers with no credit history

🚀 Why This Matters:

No CIBIL score required

Fair and unbiased assessment

Designed for informal workers

Fast, transparent, and explainable AI

Enables true financial inclusion

This solution helps banks, NBFCs, and fintech platforms make better lending decisions while empowering millions to access formal credit and build a financial future.

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