Episode description

Embedded finance is the next big thing. We expect that in the next 2-3 years, any app - consumer or enterprise - could be an access point for credit. Pavitra explains the 3-point framework that Kudos Finance follows to onboard partners, providing end-to-end lending infrastructure as a service, and much more. Listen in!

01:30 - Briefly explain your journey as an entrepreneur. What motivated you into credit and finance?

03:00 - Was Kudos a tech-first NBFC at the outset and if not, what motivated you to morph into a tech-driven lender?

10:25 - What is your target segment? How much of verticalization have you built into the platform to support the specific products and processes of the segments you address?

14:30 - Your tech stack and architecture? - Organic build Vs Off-the-shelf?

20:00 -  What kind of due diligence should be exercised by lenders while onboarding partners especially considering the recent events of online lending scams that we have seen?

22:20 – Time taken to integrate with the Kudos platform and value

30:10 - What are the key problems to be solved for access to credit to improve for businesses in India today?

35:45 – How well are lenders leveraging digital data generated over the years, to assess risk better and bring credit to the bottom of the pyramid?

39:15 - If a company is interested in partnering with you, how should they go about it? How do they get access to your tech, how can they try it out and what kind of integration timeframes are we talking about?

Check out the API documentation of Kudos Finance here: https://docs.kudosfinance.in/docs/