"Consumer credit demand and access has undergone a paradigm shift over the last few years, with the post-pandemic circumstances having further accelerated this change" said Rajesh Kumar, managing director and CEO of the credit bureau
source https://economictimes.indiatimes.com/industry/banking/finance/banking/retail-loan-demand-moving-to-smaller-cities-from-young-borrowers-report/articleshow/83404153.cms
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