Eye in the sky: how India and China differ in their use of satellites in pursuit of credit quality
The instrument is the Unified Lending Interface (ULI), a national credit rail built by the Reserve Bank of India’s innovation arm, born of a 2022 experiment to digitize small farm loans. India’s ULI lets a lender, with the borrower’s consent, pull the information needed to judge a loan— identity, tax records, land titles, etc—through a single digital interface, rather than chase paper across a dozen offices.
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