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AI Credit Scoring in India: Data Privacy, Explainability and Algorithmic Fairness under the DPDPA

2026-07-17

Introduction Lenders assessed creditworthiness using traditional indicators such as repayment history, income, and existing loans, with Credit Information Companies like CIBIL converting these into a credit score. AI-driven credit scoring is transforming this approach by analysing alternative data, including mobile usage, utility bill payments, digital transactions, app behaviour, and device patterns, to assess borrowers with…

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