Account Aggregator and Cash Flow Intelligence Are Reshaping Lending Decisions

Where is lending headed next? In this conversation, Nirav Prajapati, Co Founder and CEO, Ignosis AI, speaks with Manish Kumar Gupta, Chief Executive, Urban Unsecured Assets, Payments & Digital Partnerships, L&T Finance, about how technology, Account Aggregator and AI are changing the way lenders evaluate customers, manage risk and build better lending journeys. The conversation explores the evolution of Account Aggregator from a replacement for PDF bank statements to a richer source of financial intelligence, and how this data can support underwriting, affordability assessment and financial inclusion. They also discuss AI adoption across credit operations and collections, including underwriting models, early warning systems, productivity tools, Voice AI and the role of data signals in making collections more contextual and customer focused. The discussion also looks at MSME lending, customers with limited bureau history, the role of alternative data and how lenders can use technology to make better decisions while improving the customer experience. In conversation: Nirav Prajapati Co Founder and CEO, Ignosis AI Manish Kumar Gupta Chief Executive, Urban Unsecured Assets, Payments & Digital Partnerships, L&T Finance Topics covered: Account Aggregator AI in lending Credit underwriting Financial inclusion MSME lending Alternative data AI in collections Voice AI Early warning systems Customer experience #Lending #Fintech #AI #AccountAggregator #DigitalLending