two points to clarify my statement:
- While Paytm will have multiple number of data points (including Paytm transactions) to gauge creditworthiness, the loan amount they will sanction would be largely be derived from value of PayTM transactions happening in the account.
- By real time visibility, I meant only the PayTM account visibility
If you combine pt.1 and 2, you reduce a lot of risk on both the lending decision and also on collection efficiency. Hope that clarifies
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