Mathew Muthoottu Managing Director at Muthoot MCred Limited
“This National Technology Day, India’s financial ecosystem is witnessing a significant shift where technology is fundamentally transforming how credit is accessed, assessed, and delivered. As digital adoption accelerates across Tier II, Tier III, and semi-urban markets, data-led and technology-enabled lending models will play a critical role in driving the next phase of financial inclusion.
The rapid growth of Digital Public Infrastructure (DPI), AI-led underwriting, and real-time digital payments is enabling NBFCs and fintechs to bridge credit gaps for underserved borrower segments. At the same time, the industry must focus on building transparent, secure, and responsible digital lending ecosystems that strengthen customer trust and long-term financial resilience.
At Muthoot MCred, we believe technology is not just improving convenience, but creating opportunities for more inclusive and scalable financial access. As India’s digital economy evolves, collaboration between financial institutions, regulators, and technology providers will remain key to enabling sustainable and impactful innovation across the lending ecosystem.”
Vinodhkumar C, CTO, Muthoot MCred Limited
” Technology is rapidly becoming the backbone of India’s evolving financial ecosystem, transforming how lending institutions operate, assess risk, and serve customers. As digital lending expands, the focus must remain on building secure, scalable, and resilient technology frameworks that balance innovation with trust and compliance.
At Muthoot MCred, we are leveraging AI, automation, and data-driven systems to enhance operational efficiency, strengthen security, and deliver seamless customer experiences. The future of financial services will depend on how effectively technology leaders drive responsible innovation while building agile and future-ready digital ecosystems”