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PolicyPreneur B-Plan Challenge · Team Dstonks · 6 pp · PDF, 1 MB

Bridging India's MSME Credit Gap

Account Aggregator rails, the analytical last mile, and a DPI-native RegTech execution layer

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Bridging India's MSME Credit Gap, first page

Overview

100M+ AA-linked accounts created data liquidity, yet a ₹20–25L Cr MSME credit gap persists. Proposes a white-label Technology Service Provider layer that turns raw Account Aggregator data (GST filings, UPI inflow velocity, seasonal cash flow) into probabilistic credit scores with zero balance-sheet risk.