That isn’t enough information for taking an underwriting decision. There is also the additional information that Paytm has.
For example what is the credit score of the customer who has paid money to this merchant. Paytm also waits for 6 months to lend to the merchant because in addition to the cash flow Paytm’s algorithm is also monitoring the quality of the merchant’s customer base.
I am sure in addition to that there are more inputs that the algorithm takes. For example what is the ticket size of the transaction and at what time of the day, etc.
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