Why Trust & Clarity Are the Core of Kissht’s Customer Experience
                     Why Trust Clari
Are the 
KCoisrseh ’s Customer
Experience
Navigating India's Digital 
Lending Landscape with 
Transparency and 
Responsibility
India's Digital Finance Evolving 
Landscape Rapidly
The Era of The Era of Quality & 
Access Reliability
Market Expansion Shifting Priorities The Modern Strategic Alignment
Digital finance adoption Focus has moved from Borrower Kissht positions itself on the 
continues to accelerate simple credit access to Demands platforms pillars of operational 
across the nation. platform reliability and that are intuitive, transparency and seamless 
safety. transparent, and interaction.
consistently 
dependable.
Changing Expectations Drivec by a Demand for 
Openness
The Traditional The Kissht 
“Black Box” “Open Book”
• Responsible Design: Trust is 
engineered through service 
architecture, not just 
marketing.
The Trust Deficit: borrowers • Relationship Focus: Moving Demand for Visibility: 
remain wary of hidden terms, beyond Customers require absolute 
complex processes, and opacity. transactional lending to build clarity regarding every product 
long-term borrower confidence. choice.
Building Trust Through Transparent 
Communication
Onboardin Product Selection Repayme
g nt
Holistic Approach: Clarity
embedded in every Upfront Details: Straightforward
Repayment Visibility: Schedules
step. eKplanations of eligibility. and amounts presented clearly.
Structured Processes: 
Simple language replaces Terms: No ambiguity in 
No Surprises: 
product conditions. Preventing customer jargon. confusion.
Tñe Customer Benefits of Absolute Clarity
Informed Decisions Reduced Anxiety
Borrowers fully understand Elimination of fears regarding 
their commitment before hidden fees or ’gotcha’ 
signing. clauses.
Process Confidence Brand Credibility
Users navigate the app Consistent, honest 
independently and messaging reinforces 
securely. long-term trust.
Ensuring Fairness via Smart Technology
• Predictable • Tailored Access
Structured
Outcomes Tech Models Credit offers are 
framework is customized to 
engineered to deliver individual financial 
consistency. health.Objective 
va ti
• Structured Models • Objective Evaluation
Algorithms evaluate Technology removes bias, 
applications based on ensuring accuracy and 
fair, pre-set parameters. responsible borrowing.
Predictable 
Outcomes
Ecosystem Refinement and Enhanced Security 
Standards
Regulatory Cleanup Fraud Prevention 
Removal of illegal entities and 
non-compliant apps raised Investments in advanced
industry benchmarks. detection tools followed
ecosystem-level 
Standardization concerns.
Sector-wide crackdowns 
eliminated practices rnisaligned 
with
customer values.
Global Maturity
Enhanced Security / Early international investment 
cycles (e.g., Fosun) supported 
/ infrastructure development.
The exit of banned 
applications paved the 
way for stricter data 
protocols.
A Reliable Ecosystem for Customer 
Assistance Emotional 
Robust Intelligence Issue
Architectur Resolution
e Trained teams focus on
Support systems clarity during 
built for disputes.
speed and 
effectiveness. Seamless Issue 
Resolution
Timely Emotiona
Guidance l 
Assistance available Intelligen
from onboarding ce
through tenure.
Robust Support frameworks 
Architecture account for borrower well-
Built for Speed being.
Driving Empowerment Through Financial 
Clarity
• Educational Model: Teaching users 
how credit works and explaining 
interest structures.
• Responsible Management: Guiding 
' users
on how to manage dues effectively.
• Growth Focus: Framing digital 
borrowing
a•s aI ntoclouls fiorn p Georsaolnsa: lD fiirneacntlcyi aclo pnrtroigbruetsins.g 
to
India's broader financial literacy targets.
Trust and Clarity as a Sustainable Customer 
Promise
Earned Trust Achieved Clarity
The result of consistent, The result of 
reliable actions unwavering 
overtime. transparency in 
every
interaction.
Future Outlook Core 
Committed to a Promise
structured, Delivering a service 
digital financial future. that is
simple, dependable, 
and
empowering.