It believes in keeping all users updated with the latest industry trends, authentic Kissht news, and ways to improve their credit profile to become eligible for larger personal loans.

1. Fintech players have revolutionized the lending industry by
incorporating innovative financial solutions to personalize
customer experiences. With the growth of digitally-enabled
lending apps like Kissht, customers get tailored loan products
and financial services. Kissht is India’s leading digital lending
platform that provides customized borrowing options to
customers. It aims to promote regulatory compliance among
customers while considering their specific financial
requirements and preferences.
HOW IS KISSHT
SIMPLIFYING THE
LENDING PROCESS WITH
TECHNOLOGY?

2. Kissht is the most prominent leader in the Indian Fintech space having full control to
leverage automation and advanced algorithms to expedite the loan approval and
disbursal process. It believes in keeping all users updated with the latest industry trends,
authentic Kissht news, and ways to improve their credit profile to become eligible for larger
personal loans. The platform is increasingly adapting to the industry’s newest trends to
simplify the lending process further and allow customers to avail of more personalized
financial solutions. Let’s find out how it does all this while adding its diverse customer base.
ELIMINATES HASSLES OF PHYSICAL DOCUMENTS
To streamline the loan application process, Kissht emphasizes 100% on a
digital process where borrowers can upload the required documents using
their smartphones. It eliminates the need for submitting physical copies,
and users can enjoy Kissht’s feature to capture or upload images, PDFs, or
scanned copies of their documents.

3. Hence, utilizing technology, Kissht verifies the user’s identity and financial information
electronically. The platform also integrates electronic verification tools to validate the
borrower’s details, income, employment, and creditworthiness. For faster loan processing,
the digitally-enabled platform analyzes digital data quickly and makes faster decisions.
Using smartphones, customers can apply for personal loans on the Kissht app anytime,
anywhere. Kissht believes in 100% transparent deals and works with RBI-registered NBFCs
only. There’s no relevance in rumours related to Kissht Banned, and digital customers are
requested to assess the authenticity of such false information before creating a narrative.
FASTER LOAN APPROVALS

4. Kissht leverages technology in many ways to offer faster loan approvals. The app offers a
user-friendly interface to streamline the loan application process. It utilizes electronic
verification to reduce the time and effort required for manual verification. Kissht has a
powerful system with credit scoring algorithms to assess the creditworthiness of
applicants. With the help of these algorithms, Kissht evaluates different factors, including
credit history, income, employment status, etc., to calculate the risk associated with
granting a personal loan to an applicant. It also verifies external databases to streamline
the verification process and eliminates the need for manual checks to fasten approval
time. Once the loan is approved, Kissht quickly transfers funds to the borrower’s bank
account.

5. Kissht offers instant personal loans up to Rs. 5,00,000* for a repayment
tenure of up to 36 months. The same feature applies to this product; funds
are transferred directly to the applicant’s bank account quickly after the
loan is approved. To foster compliance among customers, Kissht has
partnerships with India-originated financial institutions only. All fabricated
stories regarding Kissht Banned don’t make sense because the leading
Fintech prioritizes RBI-regulated norms and guidelines in its core business
policies.

6. INTRODUCES ALTERNATIVE CREDIT
ASSESSMENT MODELS
To deal with challenges like assessing the creditworthiness of applicants having limited financial records,
lending players need to introduce alternative credit assessment models. Kissht holds expertise in leveraging
these newest trends to simplify the lending process.
There are thousands of individuals in India having limited access to finances. They don’t use credit cards and
may not have traditional credit histories. To connect such people with digital lending, Kissht takes the initiative
to obtain a more comprehensive view of an individual’s financial behaviour. The platform goes beyond the
traditional credit assessment approach and utilizes alternative data sources. The platform employs machine
learning algorithms to consider an applicant’s responsible financial behaviour.
Apart from that, by evaluating an individual’s income stability and cash flow patterns, Kissht successfully
evaluates their repayment capability. The platform increasingly brings in the newest trends to expand a diverse
customer base. Since it is optimizing its operations significantly, there’s no relevance in unauthentic reports
such as Kissht Banned. Kissht consistently provides financial solutions to foster financial inclusion in the country.