India Today gets you the innovators who are making India better. CrediWatch is an AI-based platform that is providing credit intelligence to lending agencies. Do you know that only 4% of India’s businesses are rated by a credit agency? Data intelligence is driving credit for 96% of entities not part of the formal credit rating paradigm. Earlier, data was available in a very unstructured format and hence there's a huge policy moves to digitise data. Also, GST has made data accessible. Founder CEO of Crediwatch, Meghna Suryakumar talks about how they had a tough time convincing borrowers initially, how IL FS turned the tide and how regulations have an impact on their work. Watch the video to know more about Crediwatch.