Behind the platform: The tech thinking behind Spocto X

As digital lending and collections continue to mature, technology plays a central role in ensuring scale, compliance, and meaningful borrower engagement. In this Q&A, Vivek Srikantan, Chief Technology Officer at Spocto X, shares his perspective on building a platform that balances innovation with responsibility. He reflects on the architecture behind Spocto X, the practical challenges of working within regulatory frameworks, and how technologies such as Agentic AI (artificial intelligence) are being applied with care and intent.