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![]() The assessment involves calculating useful analysis from the bank statement of our customer. There is no cost-effective measure to monitor income/solvency and ensure timely repayment. ![]() Formal institutions have shied to lend to lower-middle income group because the cost-benefit analysis of lending and collections do not offset the cost of originating and recovery. Our customers are small & underbanked retailers who are running a bootstrapped and consistently profitable business, yet they remain excluded from formal credit. ![]() How we achieved accuracy of over 90% after reading 800+ transactionsĪt Inkredo, we perform flow-based credit assessment to determine the monthly repaying capacity of a customer.
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