India is poised to become the world's third-largest economy by FY 2028, with a projected GDP of $5.2 trillion, fueled by the rapid growth of the micro, small, and medium enterprises (MSME) sector, comprising around 63.4 million businesses. However, a substantial credit gap of ₹25 trillion exists in the MSME sector alone, with less than 10% of the population having access to formal credit. India's domestic credit to the private sector is only 55% of GDP, far below the global average of 148%, lagging behind economically robust Asian nations. To address this credit gap and ensure inclusive growth, there's a need to enhance access to formal credit, particularly within the MSME sector. Digital financial enablers, like Lentra, are transforming credit accessibility through advanced technologies like open APIs and artificial intelligence. Lentra's Intelligent Cloud lending platform automates loan approvals, leading to swift decisions, efficient disbursements, and streamlined collections.