Business Wire India
Kissht, one of India’s most trusted digital lending platforms, is seeing exceptionally strong customer retention across personal loans, business loans, and property-backed loans. Internal data indicates that more than 80 percent of customers return for a second or subsequent loan, reflecting long-term trust, ease of experience, and responsible credit practices.
For repeat customers, Kissht’s AI-powered underwriting engine now enables loan approvals in as little as 45 seconds. The platform uses behavioral analytics, alternative data, and repayment history to accelerate approvals for returning users while maintaining strong compliance and risk discipline.
Kissht has designed a relationship-based credit ecosystem where the customer journey extends beyond disbursal. The company follows a structured Customer Lifecycle Management (CLM) model covering onboarding, servicing, support, collections, and re-engagement. This combination of data, contact strategy, and human empathy results in high loyalty and repeat usage.
Kissht’s collections process is centered on customer dignity. It blends data signals, payment nudges, conversational support, and human intervention. Customers facing genuine difficulty are offered structured repayment guidance, helping protect both credit health and customer trust.
Customer support is handled through multilingual teams supported by digital assistants, ensuring clear communication, empathy, and convenience. This approach has significantly contributed to improved customer sentiment, app ratings, and retention.
“Speed helps onboard customers, but trust keeps them engaged,” said a company spokesperson. “When more than 80 percent return for future borrowing, it reflects confidence in our fairness, clarity, and support when it matters.”
With more than 80 lakh customers served over the past decade, Kissht operates within a strong Responsible AI framework and compliance-first governance model. The company is also a founding member of FACE, reinforcing its commitment to ethical lending and customer protection.
Kissht’s philosophy remains clear.
Technology delivers speed. AI ensures accuracy. Human judgment builds trust.
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