01199nam a22001337a 4500 533749 533749 260616b ||||| |||| 00| 0 eng d Bhushan, Aniket 61254 From credit history to credit potential: Alternative data and algorithmic credit scoring in new-to-credit lending in India Economic & Political Weekly 61(22), May 30, 2026: p.21-23 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 Economic & Political Weekly AR 0 0 ddc 0 0 408928 IIPA IIPA 2026-06-16 61(22), May 30, 2026: p.21-23 AR139220 2026-06-16 AR