Their onboarding process is through a multi-lingual app and most of the data is captured through third party integrations, with data sources, which makes it collecting data instantaneous as well as verifiable. “Our entire underwriting system is based on machine learning and is able to build credit profile of applicants much faster and much more accurately (even for customers with no bureau history and our entire collection process is digital incl. collection of instalments and early warning signals. This helps customer fill the application form within 10-15 minutes, get the loan sanctioned within 24 hours and receive the money within 3 days (72 hours),” said Neeraj Bansal, CEO & Co-Founder, CredRight.