From paperwork to intelligence: How ART Housing Finance is reinventing home lending

In affordable housing finance, the real technology story is no longer the digitisation of paperwork. It is the digitisation of judgement. ART Housing Finance is using digital workflows, data aggregation, automation and AI to move routine verification and processing away from human teams, allowing people to concentrate increasingly on exceptions, risk decisions and customer relationships.

But for Anand Singh, CTO, ART Housing Finance, the objective is not technology for its own sake. It is to use technology to make lending more accessible, data-driven and productive while keeping humans in the loop where judgment matters.

The scale of the shift is already visible: digital sourcing, which Singh says was virtually zero two years ago, now accounts for 23% of the company’s business. Around 90% of customer KYC and onboarding is digitised, while roughly 80% of underwriting processes are automated or digitised.

The next phase is more ambitious: moving from automation...

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