How AI will change the business of lending

India is one of the youngest, poorest, yet fastest growing regions in the world with a diverse aspirational generation of women and men. As Indians come of age as digital natives with modest means, often for the first time to the world of credit, fueling their growth the right way will require not only the right financial products, but the right way to understand and serve them. From rural women forming their first microfinance self-help group that give them the means to economically stand up, to farmers buying their first tractors, to gig workers in bustling cities buying their first motorcycles. It would take all the innovations of modern and alternative data technologies, and the latest (and beyond) in AI -both generative and predictive- to build the right credit vehicles, processes, and policies to empower and serve them at a hyper-personalized level, and at a scale that will likely see some of the fastest profitable growth rates in microfinance. I will talk about how we are ushering in the AI-enabled, data-leveraged future of Indian B2C lending as an overall strategy, and with a few examples of what we achieved as use cases.