Bridging The Credit Gap: Ocen’s Blueprint for Inclusive Digital Lending Ecosystem

Abstract

Access to credit continues to be a major hurdle for micro to mid-size commercial ventures, gig economy workers, and low-income groups in India. Despite multiple financial sector reforms, traditional lending systems often fail to serve these groups effectively, constrained by high operational costs, fragmented information flows, and insufficient credit histories. The Open Credit Enablement Network (OCEN) represents a new digital infrastructure aimed at improving access to small-ticket, cash-flow-based loans through secure, standardized APIs.