I have an idea that might help you to target probable customers for lending products like Credit Card, Pay Later, or Personal Loans.
While onboarding the customers or after the process is completed, you can offer the customers to offer a free credit report (could be CIBIL or Experian) without a hard inquiry. This will help the customer to know their credit score and any misinformation reported by other banks.
At the same time, this will help you to get a pool of customers who have a good credit score, and then, you can target these customers to offer various products like credit cards, etc (of course you can add an option to opt-out from all these). You can also use this report to show the liabilities (a list of credit cards and loans) that the customer has in the app as well.
I have recently seen some banks are following a similar approach to offer various services without going for a hard inquiry in their credit record. You can go a level ahead and help the customer to tell the liabilities that they have as per the report.
