Bridging the Financial Gap - How Kissht Enhances Financial Inclusion Across India
                     
EXPANDING CREDIT ACCESS TO 
NON-METRO  CITIES
Traditional banking systems have typically focused 
 on metro areas, often leaving non-metro regions  
underserved. For individuals and businesses in  
these locations, obtaining credit has long been a  
challenge due to limited infrastructure and strict  
lending requirements. Kissht addresses this by  
using its personal loan app to streamline loan  
applications and approvals, allowing users to apply 
 for instant personal loans and personal loans  
quickly and easily without extensive paperwork or  
in-person visits.
LEVERAGING 
TECHNOLOGY FOR  
INCLUSIVE LENDING
A significant aspect of Kissht’s success in expanding  
credit access is its use of technology-driven methods, such 
 as data analytics and machine learning. Unlike 
traditional  financial institutions, which rely heavily on 
established  credit scores, Kissht’s system can evaluate 
alternative data  points, such as transaction histories and 
utility payments,  to assess an individual’s 
creditworthiness. This allows  people with little to no 
formal credit history to access  instant loans and personal 
credit options.
ETHICAL COLLECTION 
PRACTICES TO  
BUILD TRUST
Financial inclusion is only sustainable when collection 
 practices are transparent and respectful. Kissht 
places  a strong emphasis on empathy and ethical 
practices in  its interactions with customers. Instead 
of relying on  aggressive recovery measures, Kissht 
focuses on  creating supportive communication 
channels for  customers throughout the loan process, 
building long-  term trust and reducing the stress 
associated with  repayment.
SUPPORTING SMALL 
BUSINESSES  WITH 
ACCESSIBLE FINANCING
Small businesses are the backbone of local economies, especially in non-metro areas.
However, a significant number of these enterprises struggle to obtain the funding  
necessary for growth. By offering accessible personal loans and instant loans through 
 its loan app, Kissht provides small business owners with the resources they need to  
expand, hire, and invest in their businesses. This empowerment drives local economic 
 growth, creating jobs and promoting development within communities.