Srinagar, April 9 -- Unified Lending Interface is being introduced at a moment when the lending sector is under pressure to evolve. For years, borrowers have faced long delays, heavy reliance on collateral and fragmented systems that often excluded those without traditional assets. The new platform does not arrive as a miracle solution, but as an attempt to address these structural flaws through technology-driven integration of verified digital data. By promising to cut loan processing time from weeks to minutes, it signals a shift towards efficiency and transparency, while also raising questions about how inclusively such a system can be implemented. The balance between optimism and caution is essential in assessing its potential impact....