AI Credit Scoring in India: How Loan Algorithms Works

Millions of Indians are being scored by algorithms they cannot see, challenge, or understand, while DPDP, RBI and Parliament are still catching up.

AI Bias in Indian Credit Scoring: Who Gets Excluded When Algorithms Decide?

AI-powered credit scoring was meant to open formal lending to India’s MSMEs, gig workers, women & rural borrowers. But without transparency, fairness audits & human review, the same technology may reproduce old exclusions in a new digital form.