01139nam a22001097a 4500008004100000100002100041245012700062260003300189300003400222520074000256773003300996260616b           ||||| |||| 00| 0 eng d  a Bhushan, Aniket  aFrom credit history to credit potential: Alternative data and algorithmic credit scoring in new-to-credit lending in India  aEconomic & Political Weekly   a61(22), May 30, 2026: p.21-23  aIndia’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
  aEconomic & Political Weekly