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New Delhi: India’s Digital Public Infrastructure (DPI) including Aadhaar, Unified Lending Interface (ULI) and Unified Payments Interface ( UPI ) should be leveraged to provide credit access to 450 million untapped borrowers, a report said on Monday.

India’s DPI played a key role in transforming onboarding, underwriting, and collections of the lending process through consent-driven, paperless, app-first lending nationwide, said the report from RBI-recognised self-regulatory organisation in the fintech sector, the Fintech Association for Consumer Empowerment (FACE).

According to the report, in collaboration with D91 Labs by Setu, fintech NBFCs account for 74 per cent of personal loan volumes in FY 2024-25, and Aadhaar-b

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