Speed alone cannot define digital lending in an AI-driven era: Vishal Bhati, Credit4Sure

While unsecured credit markets are changing at a rapid pace, digital platforms are increasingly looking towards AI as a means of speeding up their operations, with a more fundamental question arising: will speed and responsible lending coexist?

In an exclusive conversation with Express Computer, Vishal Bhati, Founder, Credit4Sure, a product of Mahavira Finlease Ltd., discusses his views on AI-driven lending, digital expansion, and the future of the credit world, where trust, data, and governance are just as important as speed.

AI in underwriting: Speed with accountability
AI-driven underwriting has revolutionised the process of unsecured loans, but speed, believes Bhati, must not come at the expense of judgement. “AI has certainly accelerated unsecured lending, but speed cannot replace judgement.”

At Credit4Sure, automation is seen as an enabler rather than a substitute for responsible decision-making. “We believe that automation should be improved, not replaced.”

This philosophy has been followed ...