India, Oct. 7 -- For lenders, assessing an MSME's creditworthiness is increasingly becoming a continuous exercise rather than a one-time decision. Traditional indicators such as credit scores and repayment histories can be limited or delayed, while signals from GST filings, bank account activity and business invoices can offer a more current view of a borrower's financial health.

Joydip Gupta, APAC Head at Scienaptic, discusses how AI is being used across the MSME lending lifecycle, from underwriting and fraud checks to early-warning systems and post-disbursement monitoring. He also explains how continuous business-health assessment could change risk management as collateral-free lending expands.

Is the biggest value of AI in MSME lendi...