New Delhi, Oct. 30 -- Lenders have traditionally relied on credit scores, repayment records, income and existing liabilities to assess whether a borrower can repay a loan. Advances in artificial intelligence are creating scope to examine a wider set of financial indicators, including how a borrower's repayment capacity may change over time.

This raises a key question for the lending sector: can better forecasting help identify financial stress early enough for borrowers and lenders to respond?

The subject was raised by Krishnakumar K T, Chairman and Managing Director of Oleevia Grameen Credits, an RBI-registered non-banking financial company headquartered in Kerala, during the U.S.-India Super Intelligence Leadership Dialogue at the U.S...