<h1>Tech-driven risk management secures scalable credit innovation as AI and cloud partnerships enable personalised financial services.</h1> InCred prioritises a robust tech foundation and modular microservices for scalable growth, uses selective acquisitions after validating product economics, integrates predictive and generative AI while addressing data quality and IP concerns, and relies on an AWS cloud partnership for elastic infrastructure; the firm emphasises that strong Risk Management and disciplined underwriting are essential for sustainable credit expansion.