Author: Rini Mishra Narwdeshwar Law College Introduction India's emergence in the digital ecosystem has been spectacular. India's is well on the path of digital revolution. The transition to a digital economy lies in moving beyond fragmented digital solutions to digital infrastructures that will spur digitalisation across economies and societies. While Artificial intelligence, Quantum Computing, Cloud Computing and Blockchain are making a mark. One of the new emerging digital infrastructure is that of digital lending applications which can be added to the buzzwords. What is digital lending? Digital lending is the process of lending credit to individuals through web platforms or mobile apps, utilizing technology for authentication and credit evaluation. Over the years the digital lending market has evolved and expanded continuously and significantly. More than 190 million Indian adults don't have any bank accounts. Digital lending enables potential borrowers to apply for l