Hari Padmanabhan, Founder – Chairman, Uncia

The discussion moves beyond buzzwords like AI and cloud-native, arguing that most institutions are still in early transformation stages. True AI-driven lending, he suggests, will emerge only when every transaction continuously trains the system. Uncia’s Zero Implementation and Self-Serve model challenges traditional, time-heavy deployments - shifting control to institutions through configurable, low-code tools like Uncia Studio.

We also explore how the Pay-As-You-Grow model is reshaping cost economics for SME lenders and NBFCs, turning technology from upfront capex into scalable opex.

The broader shift? Lending platforms are evolving from static systems into adaptive ecosystems - where cloud, AI, and embedded learning quietly redefine how credit is designed, deployed, and scaled.