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Bridging the Financial Gap - How Kissht Enhances Financial Inclusion Across India

Kissht, a digital lending platform, has become instrumental in bridging the financial gap across the country, particularly for those in non-metro cities. By combining technology and a customer-centric approach, Kissht provides accessible personal loans and instant loans through a simplified loan app that brings credit to the fingertips of millions who previously faced barriers to financial services.

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Bridging the Financial Gap - How Kissht Enhances Financial Inclusion Across India

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  1. EXPANDINGCREDITACCESSTONON-METRO CITIES Traditionalbankingsystems havetypicallyfocused on metro areas, often leaving non-metro regions underserved.Forindividualsandbusinessesin these locations, obtaining credit has long been a challenge due to limited infrastructure and strict lending requirements. Kisshtaddresses this by using its personal loan app to streamline loan applications and approvals, allowing users to apply for instant personal loans and personal loans quickly and easily without extensive paperwork or in-personvisits.

  2. LEVERAGINGTECHNOLOGYFOR INCLUSIVELENDING AsignificantaspectofKissht’ssuccessinexpanding credit access is its use of technology-driven methods, such asdataanalyticsandmachinelearning.Unliketraditional financial institutions, which rely heavily on established creditscores,Kissht’ssystemcanevaluatealternativedata points, such as transaction histories and utility payments, to assess an individual’s creditworthiness. This allows people with little to no formal credit history to access instantloansandpersonalcreditoptions.

  3. ETHICALCOLLECTIONPRACTICESTO BUILDTRUST Financialinclusionisonlysustainablewhencollection practices are transparent and respectful. Kisshtplaces astrongemphasisonempathyandethicalpracticesin its interactions with customers. Instead of relying on aggressive recovery measures, Kissht focuses on creating supportive communication channels for customersthroughouttheloanprocess,buildinglong- term trust and reducing the stress associated with repayment.

  4. SUPPORTINGSMALLBUSINESSES WITHACCESSIBLEFINANCING Smallbusinessesarethebackboneoflocaleconomies,especiallyinnon-metroareas. However, a significant number of these enterprises struggle to obtain the funding necessaryforgrowth.Byofferingaccessiblepersonalloansandinstantloansthrough its loan app, Kissht provides small business owners with the resources they need to expand,hire,andinvestintheirbusinesses.Thisempowermentdriveslocaleconomic growth,creatingjobsandpromotingdevelopmentwithincommunities.

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