Data as the new collateral: Unleashing New Opportunities for SME

Traditional lending models often rely on physical collateral, leaving many viable MSMEs excluded from formal finance. Today, digital payments, e-invoicing, platforms, and open finance are creating new data trails that can reveal businesses' performance, cash flows, and creditworthiness. As data becomes more accessible and actionable, financial institutions can move beyond collateral-based lending toward faster, more inclusive, and scalable financing models.

This session explores how lenders, fintechs, regulators, and ecosystem partners are leveraging data to reduce information gaps, improve risk assessment, and unlock new opportunities for MSME growth.