Being clever cannot be a business model: CASHe chairman V Raman Kumar

It's not that we are giving money to everybody. We have to make sure that there's a high propensity to repay, said Kumar

CASHe is a mobile-only credit platform that focuses on financial inclusion for millennials. It has registered over 20 million app downloads and disbursed more than Rs 4,000 crore to over 400,000 customers. It recently extended its business footprint into the wealth management space with the acquisition of Sqrrl, a wealth-tech platform. V RAMAN KUMAR, founder and chairman of CASHe, spoke with Raghu Mohan about his business model. Edited excerpts:

How do you view the credit market for millennials in India?

The overarching theme is financial inclusion, because they don’t have access to credit -- lenders are not keen on them nor do