The solution is designed to enable faster, more data-driven lending journeys while keeping credit decisions within the bank’s existing policy, governance and approval frameworks.
The launch brought together leadership from UCO Bank and ScoreMe for a joint unveiling of the solution, followed by a product showcase highlighting how GST intelligence can be integrated into digital lending workflows.
For India’s MSME sector, access to formal credit has often been constrained by limited financial documentation, thin credit histories and the difficulty lenders face in assessing smaller businesses.
GST filings offer lenders a regularly refreshed view of business activity and compliance. GST Smart brings this information into the credit decisioning process, creating a more unified view of the borrower and enabling lenders to make decisions with greater speed and consistency.
Rajendra Kumar Saboo, Managing Director, UCO Bank, said GST intelligence can provide lenders with a more current view of business activity and help strengthen the information available during credit assessment.
Through GST Smart, the focus will be on using technology to make lending journeys more efficient while ensuring that decisions remain firmly within the bank’s defined policies and approval frameworks, he added.
Built by ScoreMe, GST Smart combines data intelligence, workflow orchestration and automated decisioning to support digital lending operations. The solution brings relevant information into a unified decision context and automates defined steps of the lending journey based on lender-approved rules.
Shashank Sharma, Co-Founder & Director said the GST Smart brings GST intelligence into the lending workflow so that financial institutions can move from collecting more documents to creating a more connected and actionable decision context.
The objective is not to remove institutional judgement, but to make decisions faster, more consistent and more intelligent while keeping lenders firmly in control, he added.
Automated decisions operate within lender-defined policies and approval frameworks, while human-review pathways remain available where required.
Published on September 10, 2026