01317nam a22001457a 4500999001900000008004100019100002800060245012700088260003300215300003400248520074000282773003301022942000701055952010901062  c533749d533749260616b           ||||| |||| 00| 0 eng d  a Bhushan, Aniket961254  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   cAR  00102ddc40709408928aIIPAbIIPAd2026-06-16h61(22), May 30, 2026: p.21-23pAR139220r2026-06-16yAR