Introduction
The rise of lending technology startups into billion-dollar unicorns is reshaping the financial landscape, particularly in emerging markets like India. Over the past decade, digital lending platforms have transformed access to credit by leveraging data, automation, and alternative underwriting models. What once required extensive paperwork and weeks of processing can now be completed within minutes through a smartphone.
The making of a lending tech unicorn, however, is not merely a story of rapid valuation growth. It is a complex interplay of technology, regulation, capital efficiency, and trust-building in a highly sensitive sector.
The Market Opportunity
India’s credit g
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