Historically, this segment has been underserved due to information asymmetry and high costs to serve. However, shifts in consumer behavior and technology are now addressing these challenges. Increasing digital access, growing trust in digital channels, and improved efficiency from digital footprints and DPI penetration are enabling fintechs to serve this segment through digital and assisted models. It's estimated that enabling credit for the next 200 million Indians could unlock additional annual revenues of $25-30 billion over the next five years.