/ Financial behaviour of Gen-Z/ Design
Framework for Solution Design
We identified a structured framework with Identity, Traceability, Ability to Repay, and Willingness to Repay as key headers for data points to assess the financial profile and creditworthiness of platform-based gig workers from the workshop conducted between lenders and gig platforms
Identity
Aadhaar
PAN
Driving License
Traceability
Native Address
Current Address
Login Location (Origin Point)
Serviced Areas
Tenure (on Gig Platform)
Vehicle Make/ Type
Ability to Repay
Bank Statement Data
Earnings from Platform
Working Hours
Working Periodicity
Credit Bureau Data
Willingness to Repay