AI, data and trust driving MSME financing: Dhaval Kulkarni, CTO, RXIL
India’s MSME sector is increasingly becoming the backbone of the country’s digital credit ecosystem. As financing volumes grow and supply chains become more interconnected, platforms facilitating MSME financing are evolving beyond transaction processing engines into intelligent financial infrastructure layers built on trust, transparency and data-driven decision-making.
According to Dhaval Kulkarni, CTO, RXIL, technology today plays a far more strategic role than simply enabling transactions. It is becoming the foundation that allows multiple stakeholders, including MSMEs, buyers, financiers and regulators, to operate within a trusted and transparent ecosystem.
Building trust at scale
One of the biggest challenges in MSME financing is creating confidence among all participants while ensuring compliance with regulatory requirements. Unlike consumer lending ecosystems, trade finance involves multiple parties, large transaction volumes and complex verification processes.
“Technology is the foundation that enables trust and transparency within the TReDS ecosystem. Given the multiple stakeholders involved – including MSMEs, buyers,...
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