Discover how Digicraft revolutionized digital lending for a leading Indian NBFC by harnessing AI and alternative data. This case study reveals how the team built a robust, compliant ecosystem that analyzes smartphone metadata—like app usage, SMS logs, and geolocation—to accurately assess creditworthiness for borrowers with little or no traditional credit history. The result: faster approvals, lower defaults, and a dramatic expansion of credit access to young, rural, and thin-file customers, all while adhering to India’s strict regulatory standards.