India is a very diverse & widespread market and providing financial access in rural and semi urban areas who are geographically dispersed is not an easy task. We, at Kashi Capital, have built a strong reach in remote areas of the country by embracing a unique "Phygital" approach which is a blend of digital and mobile technologies effectively complemented with our physical presence in those geographies. This approach has helped us in understanding customer needs, disbursing loans, tracking product performance, tracking customer performance and understanding behavioural patterns in lending and re-payment. We crunch several data points to arrive at segmental understanding of these small businesses and identify potential good credits in locations where we operate.
Big Data Analytics
Efficient use of technology, big data analytics and robust infrastructure network has enabled us to reach out to thousands of MSMEs in rural, semi urban and urban areas and solve the financial access problem of Bharat. Our digitized credit processes have enabled us to deploy smart rules for lending which allows us to take quick decisions on accepting or rejecting loans. Our Turn – Around Time in disbursing loans is amongst the best in the industry. All our processes right from loan origination to loan servicing and finally collections, run under defined rules and workflows. Setting up mobile-friendly platforms and data capturing systems has helped Kashi Capital to build long lasting relationship with its customers.