From credit history to credit potential: Alternative data and algorithmic credit scoring in new-to-credit lending in India (Record no. 533749)
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| fixed length control field | 01199nam a22001337a 4500 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION | |
| fixed length control field | 260616b ||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Bhushan, Aniket |
| 245 ## - TITLE STATEMENT | |
| Title | From credit history to credit potential: Alternative data and algorithmic credit scoring in new-to-credit lending in India |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT) | |
| Place of publication, distribution, etc | Economic & Political Weekly |
| 300 ## - PHYSICAL DESCRIPTION | |
| Extent | 61(22), May 30, 2026: p.21-23 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc | India’s credit system remains reliant on bureau-based credit histories despite rapid digitisation. This article examines the role of alternative data, digital payments, transaction flows, utility records, and behavioural indicators—in assessing creditworthiness of new-to-credit individuals and enterprises. Using Global Findex Database 2025, it highlights gaps between financial participation and credit access. It argues that alternative data can enhance inclusion only with strong regulatory safeguards addressing bias, opacity, and risk, marking a shift from credit history to credit potential as an institutional transformation.- Reproduced https://www.epw.in/journal/2026/22/commentary/credit-history-credit-potential.html |
| 773 ## - HOST ITEM ENTRY | |
| Main entry heading | Economic & Political Weekly |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Item type | Articles |
| Withdrawn status | Lost status | Source of classification or shelving scheme | Damaged status | Not for loan | Permanent location | Current location | Date acquired | Serial Enumeration / chronology | Barcode | Date last seen | Koha item type |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Indian Institute of Public Administration | Indian Institute of Public Administration | 2026-06-16 | 61(22), May 30, 2026: p.21-23 | AR139220 | 2026-06-16 | Articles |