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Co-Lending Framework: A Technological Evolution in the Insurance Landscape
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Author(s): Kirti Rani (CGC Landran, Mohali, India)and Simranjit Kaur (Guru Hargobind Sahib Khalsa Girls College, Patiala, India)
Copyright: 2026
Pages: 24
Source title:
Harnessing Data Science for Sustainable Insurance
Source Author(s)/Editor(s): Gagan Kukreja (College of Business Administration, University of Bahrain, Bahrain), Ayben Koy (Fenerbahçe University, Turkey), Pooja Kansra (Mittal School of Business, Lovely Professional University, India), Diksha Verma (Chandigarh Business School of Administration, Landran Mohali, India)and S.L. Gupta (Birla Institute of Technology, India)
DOI: 10.4018/979-8-3373-1882-0.ch004
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Abstract
“Co-Lending Framework: A Technological Evolution in the Insurance Landscape,” offers a comprehensive analysis of how co-lending is transforming financial services via cutting-edge technology and partnership models. Insurance is vital in the co-lending structure, serving as a fundamental facilitator of risk management and financial stability. In co-lending, where banks and non-banking financial companies (NBFCs) work together to offer loans, the inclusion of insurance reduces possible risks linked to credit defaults and operational unpredictability. The chapter starts by discussing the difficulties encountered by conventional lending models, especially in fulfilling the credit requirements of underserved and unbanked communities.. By providing credit insurance, lenders safeguard themselves from borrower defaults, guaranteeing that their financial risk is reduced. This safeguard builds trust among co-lending partners, promoting wider involvement and teamwork.
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