Accumn, a subsidiary of the Yubi Group, is transforming the lending landscape in India through advanced AI technologies. The company focuses on improving loan approvals by creating digital twins of borrowers, which allows for a more nuanced understanding of financial situations. Traditional underwriting often fails to account for the dynamic nature of borrowers' financial health, leading to misclassifications. Accumn's AI analyzes both structured and unstructured data, enabling lenders to distinguish between temporary cash flow issues and serious financial distress. This approach not only enhances the accuracy of loan approvals but also reduces the number of false alerts in early warning systems. By integrating behavioral data and contextual insights, Accumn aims to streamline the lending process, making it faster and more reliable for both lenders and borrowers.