I have two questions, please. So, with increasing digitization, how are you addressing the emerging risks such as algorithmic bias in the credit scoring model or cybersecurity threats in loan disbursal and repayment ecosystems? And secondly, sir, in a scenario where RBI further tightens the norms on LTV or co -lending exposure, what contingency frameworks are in place to preserve margins, liquidity and disbursal momentum without raising the risk thresholds?
Questions across 1 call
Shalin Kapadia
IIFL Capital