The number of emails, calls and messages offering pre-approved loans that many of us receive would imply that lenders are desperately scouting for borrowers. Of the several advantages of fintech, ease of credit has made borrowing possible for practically anything from vacations to weddings. “Data analytics offer efficient ways of analysing credit history and behaviour of a prospective borrower to make lending fast and easy on the digital platform,” says Rishi Mehra, CEO, Wishfin.com. Smartphones have made digital transactions seamless and by including a lending option, the ‘right now’ generation has it going for them like never before.