Ranvir Singh, CEO of Kisssht, at GFF 2025: "Precision, Partnership & Purpose will form the future of digital lending"

Mumbai, October 2025: On the Global Fintech Forum (GFF) 2025, Kissht’s founder and CEO, Ranvir Singh, shared his opinion on how India’s digital lending sector developed from hyper growth to a phase defined by precision, collaboration and responsibility. He spoke with a packed audience of FinTech leaders and regulators and emphasized that artificial intelligence, strong partnerships and the first thinking compliance will drive the next chapter of financial inclusion in India. “Digital lending has evolved from a crazy, fragmented market to one where discipline, precision and transparency define successfully,” says Ranvir. “Artificial intelligence and machine learning are no longer buzzwords; it is the backbone of how we assess the risk, improve efficiency and rely on scale.” Over the past five years, digital loans in India have grown from about ten million to over hundreds of twenty million lenders, with the emphasis on how technology and regulation have expanded credit access together. Singh noted that the next phase of growth on customer-centric innovation will focus, where AI and data science ensure faster on board, deeper personalization and fairer credit outcomes. “Customers today appreciate comfort and transparency more than anything else. At Kissht, we have built a fully digital, frictionless lending experience that makes access to credit simple, safe and empowering,” he said. Kisssht’s model today spans personal loans, business loans and insured products such as property loan. The AI-based risk architecture combines behavioral, bureaus and transaction data to enable responsible underwriting over millions of clients nationwide. Ranvir also underlined that the future of Fintech would be defined by partnership, not competition. He pointed out that the convergence between banks, NBFCs and Fintechs through co-lending and embedded finance already reformed the ecosystem, allowing credit to reach new segments while maintaining the regulatory discipline. Ranvir also underlined that the future of FinTech will be defined by partnership, and not the competition “Borders between Fintechs, Banks and NBFCs are faded. The most successful players will be those who work together to build trust and scale well,” he added. He credited the Reserve Bank of India for enabling a transparent and well-controlled environment through his digital lending and FLDG guidelines. “The compliance is now a competitive advantage. The RBI’s clarity and guidance has helped to grow fintechs like ours in a responsible way while strengthening the client’s trust,” Singh said. Looking forward, Ranvir predicted that the next phase of lending innovation would be defined by customer interaction with voting, AI-powered automation and real-time digital underwriting. These technologies, he said, will make credit faster, fairer and more accessible than ever before. “The future of credit will be invisible, where technology is quietly working in the background to provide access to seconds. What is most important is not only speed, but accuracy and empathy in every interaction,” he said. Under the leadership of Singh, Kissht still holds technology, compliance and empathy to promote financial inclusion. The company remains focused on providing responsible credit access to independent and new-to-credit customers across India, which helps them build financial trust and stability. Kisssht is one of India’s leading digital lending platforms and offers direct personal, business and secure loans through a fully digital journey. With more than fifteen million clients, a nationwide network of more than twenty-five thousand points of contact, and an AI first risk car, Kissht is committed to building a responsible, inclusive credit position for the next generation of lenders. Visit https://www.kissht.com For more information to readers: This article is part of Mint’s Paid Consumer Connect initiative. Mint accepts no editorial involvement or responsibility for errors, omissions or accuracy of content. Do you want to story as displayed above? Click here!