Many small and micro businesses in India face a huge obstacle to their progress – lack of access to capital. Many of them are in unorganized sectors, do not maintain detailed business accounts, do not have any credit history and loan needs are often very small. Formal credit providers have shunned them because it is not easy to underwrite these loans.

Aye has picked up the gauntlet to break this vicious cycle. As the conventional data sets were not available, we pioneered a method that relies on using the unique patterns of an industry cluster backed by our time-tested data science models. Our ability to underwrite these 'edge' cases, where little formal data exists, differentiates us in our markets.

Our strength goes beyond just technology. We have a deep branch network and a large team spread across the country. Our 'high tech, high-touch' approach has helped us reimagine and expand the boundaries of possibilities for our unique clientele.

We have gone beyond being a lender and helped these businesses in market development, quality management and financial competence. Thanks to this all-round approach, we have seen positive social impact in cross-sectional studies done to evaluate the impact on our customers.

We do not want to be merely recognized for what we have done but also for how we have done it. We will not hesitate to explore and experiment, we will keep our customers at the center of all that we do, we will always be honest and worthy of trust placed in us by our investors and regulators and we will always strive to make a difference to the communities we serve.

Above all we will stay humble and grateful.