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Karan Mehta, Co-Founder and CTO of RING, discusses the transformative journey of the digital lending platform and the impact of generative AI on the landscape of digital transformation. Mehta highlights the evolution of RING’s operational processes, the role of India Stack initiatives, and the paradigm shift in customer attitudes towards credit. With a focus on leveraging AI for credit risk assessment, data protection, and customer engagement, Mehta offers a nuanced perspective on the intersection of technology and finance in India’s digital landscape.