In this fast-moving world, user convenience and seamlessness is shifting everything to digitalization. This era of digitalization has an impact over various aspects of our lives including finance. In this new era, the mechanism of taking loans has been completely transformed from the traditional 3-6-5 formula to 3-1-0 formula. With the introduction of Digital Lending Platform, the business of lending has metamorphosed into a different shape altogether. Digital Lending Platform allows consumers to avail finance while shopping on ecommerce sites, allows SME to avail loans based on real time sales data available on ecommerce marketplace, allows employee to avail loans on salary, allows youth to avail small ticket sized student loans to buy gadgets, with the option of buy today pay later or other postpaid schemes, peer to peer finance, crowd funding etc. The virtual process is now instantaneous and all it takes is just 3 minute to think, 1 minute to transfer and 0 human touch. Now, Digital Lending Platform is the platform where everything is happening from capturing personal and professional data of the Borrower, use of credit engine to check credit history, creation of proposal for user, acceptance and execution of legal documents, e-KYC, online disbursement and repayment of loan within matter of minutes.