The evolving world of credit in a rapidly changing India, where speed meets responsibility, and technology meets trust. From digital lending to the importance of predictability and collections, this conversation breaks down what it really takes to build a sustainable financial ecosystem.

In Episode 2, host Shalil Gupta, MD - Global Growth, Ozonetel sits down with Matthew Panat, CTO at HDB Financial Services, to talk about balancing digital and physical models to serve customers across Bharat and India. From scaling financial inclusion to using technology to create seamless, continuous customer journeys, the episode shares practical insights on building intelligent, inclusive, and impactful credit systems.
Watch the full episode on Crafting Bharat YouTube Channel.