CredAll (@TheCredAll) header
CredAll (@TheCredAll) profile picture

CredAll

@TheCredAll

Credit Democratization Alliance

 Bengaluru
credall.org
Joined May 2020
  • Tweets24
  • Following6
  • Followers341
India is starved of affordable, formal credit. There is a massive market opportunity to be tapped here that has been inhibited because the current rails for flow of capital to the untapped market are broken. Check out : pn.ispirt.in/indias-new-cred…
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Amazing to see Patrick calling out how countries like India have led the world in use cases like payment links. Expect more fintech innovations from India to scale globally in this decade. For context, 45 Million+ payment links were created on Razorpay in just the last month!
Image from Harshil Mathur (@harshilmathur)
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It was fun catching up with @youngarjeezy on #OCEN & #embeddedlending! This was in addition to Crosstalk sessions he drives with operators, where we discussed credit market at large. Really appreciate the effort to drive ecosystem conversations like these. @R0hanMalhotra
Arjun Malhotra (@BadCapitalVC) profile pictureArjun Malhotra
@BadCapitalVC1 Apr 2021
Our boy @ankits_tweets is all grown up! We recorded this podcast where he tried to explain to me why OCEN & the fintech rails in India are a big deal. crosstalk.investopad.com/dem…
Image from Arjun Malhotra (@BadCapitalVC)
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'To embed or not' - important to assess whether it's needed to begin with, and when you do, how to go about building a business case : embed.substack.com/p/the-emb… #embeddedlending
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The recording of the 5th OCEN Open House Session on 'New Credit Inquiry Approach for Cash Flow based Sachet Loans' is available now : youtu.be/EKpi3e6Uoms @Product_nation @TheCredAll @sahamati
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Today's OCEN session was great If you're building a FinTech product in India - reading about OCEN ("UPI for Lending") is an absolute must The discussion was about an impact on credit score as a result of using OCEN for cashflow lending. Recording will be available - worth it!
Image from Rahul Mathur (@Rahul_J_Mathur)
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We are back with a new open house session on #OCEN this week! We’ll discuss “Credit Bureau Reporting for Cash Flow based Sachet Loans”. When : 5pm, Friday, 12th March. Register now! @ankits_tweets @TheCredAll @sahamati bit.ly/3bxv7yR
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Just set up Emb.F[x] to share and learn about Embedded Finance. Excited to unpack a lot in the coming days. A preview of some of the topics below and 4 P's of Embedded Products : embed.substack.com/p/embfx-a…
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The market size of cash-flow lending is expected to grow to Rs 25 lakh crore by 2025. Account aggregators will play an important role in cash-flow lending. @TheCredAll
Sahamati (@sahamati) profile pictureSahamati
@sahamati19 Dec 2020
Banks should focus more on cash-flow based lending, says RBI Governor business-standard.com/articl… @RBI @DasShaktikanta
Banks should focus more on cash-flow based lending, says RBI Governor

Banks should focus more on cash-flow based lending, says RBI Governor

In this regard, credit bureaus and the proposed Public Credit Registry (PCR) framework can improve the flow of credit as well as credit culture in the country, according to the governor

business-standard.com
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As the #MSMEFinanceWeek comes to a close, we would like to express our heartfelt gratitude to the panelists who provided us with unique insights on OCEN and LSPs. A big thank you to all the speakers for making this week a success! #GAME #GAMEIndia #MSMEs #BusinessContinuity #OCEN
Image from GAME for Mass Entrepreneurship (@GAMEIndia2)
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Ankit Singh is the co-founder of @TheCredAll. It’s a non-profit collective that enables cash-flow based lending. He will be talking about the needs and benefits of LSPs at the #MSMEFinanceWeek session. Attend the session here:us02web.zoom.us/webinar/regi…
Image from GAME for Mass Entrepreneurship (@GAMEIndia2)
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“OCEN is a very good example of how IT can empower people. Financial inclusion means users can leverage all of the processes/products of the financial system. OCEN enables data to be used by individuals" says Ms. Arundhati Bhattacharya,Former Chairman, @TheOfficialSBI. #BTS2020
Image from YourStory (@YourStoryCo)
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An oce(a)n of opportunity : anatomy of a lending protocol to uplift the bottom of the pyramid - economictimes.indiatimes.com… #OCEN @sahamati @ETPrime_com

An oce(a)n of opportunity: anatomy of a lending protocol to lift bottom of the pyramid

Formal finance is available to only a section of MSMEs. The Open Credit Enablement Network or OCEN wants to democratise credit access. The pandemic is forcing a paradigm shift in the age-old lending...

economictimes.indiatimes.com
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Cash flow-based lending is the next big thing in credit bfsi.economictimes.indiatime… via @ETBFSI @TheCredAll @ankits_tweets
Cash flow-based lending is the next big thing in credit

Cash flow-based lending is the next big thing in credit

Cash flow-based lending may help borrowers like fishermen, too. Because all over the country there are many businesses which are absolutely dependent on the season. But banks generally follow a...

bfsi.economictimes.indiatimes.com
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Listen to ex-RBI deputy governor Viral Acharya on why the public credit registry (PCR) and account aggregator (AA) framework is important for sachetisation of credit in India. bfsi.economictimes.indiatime… @sahamati @IndiaDice @TheCredAll
Weaker PSBs should shift to cashflow-based lending, focus on small loans: Viral Acharya

Weaker PSBs should shift to cashflow-based lending, focus on small loans: Viral Acharya

Former RBI deputy governor Viral Acharya bats for ‘sachetisation’ of credit on the lines of FMCG companies selling products in small quantities. Acharya, while delivering his keynote speech at ETBFSI...

bfsi.economictimes.indiatimes.com
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Great paper! Reducing dependency on collateral and utilising big data dampens the financial accelerator mechanism. Also, uncollateralized financing based on real time cash flows and big data can play a key role in faster economic recovery of small businesses post COVID-19.
Nik (@NikMilanovic) profile pictureNik
@NikMilanovic4 Sep 2020
The first of probably many investigations into the embedded fintech lending thesis... does @antgroup's proprietary data give it signals that let it identify credit risk more accurately than banks? bis.org/publ/work881.htm
Image from Nik (@NikMilanovic)
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CredAll retweeted
Sahamati (@sahamati) profile picture
Sahamati
@sahamati4 Sep 2020
Reviving MSME: How AAs and Cash Flow Lending can unlock the potential economictimes.indiatimes.com… @ETPrime_com @TheCredAll #AccountAggregator #OCEN

Reviving MSMEs: how cash flow-based lending and account aggregation can unlock their true potential

Unorganised businesses and MSMEs face the acute problem of little or no access to credit. Worse, a prolonged economic slowdown, followed by the debilitating effects of Covid-19, has crippled this...

economictimes.indiatimes.com
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India Folks RT and help save some lives 🙏 My amazing colleague @joy_nikhiljoy whose family were affected by COVID, has created the first PLASMA donor exchange in India in association with @ManipalHealth They need all COVID survivors to register now 👇 amberhealth.in/
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Today's use-case discussion on OCEN hosted by @Product_Nation was 🔥 It covered (a) Consumer lending opportunities - Vehicle repair financing - Subscription fee financing (incl of school fees) (b) New classes of entities - Derived Data Provider - Underwriting modeller 1/2
Image from Rahul Mathur (@Rahul_J_Mathur)
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Soak in the lay of the land - the OCEN enabled cash flow based lending. We covered the OCEN API specs and more. Captured by @RahulSanghi1 @karthikiyerks pn.ispirt.in/ispirt-third-op… @Product_Nation @TheCredAll @sahamati @India_Stack
Image from Ankit Singh (@ankits_tweets)
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