Our whitepaper, titled Data and Digital Credit: Unlocking Innovative Data Analytics Tools to Power Financial Solutions, was presented at the India FinTech Conclave 2026, hosted by the Unified Fintech Forum (UFF). The paper explores how alternative data is expanding access to credit and advancing financial inclusion, while also addressing key considerations around data privacy, consumer protection, algorithmic bias, and AI governance.

Through a comparative analysis of regulatory developments in India, the United States, and the European Union, the paper offers policy recommendations to support responsible innovation and sustainable growth in digital lending. It is intended to contribute meaningfully to the ongoing policy discourse on leveraging technology to advance financial inclusion while safeguarding borrower interests.

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