Which of the following is not a typical feature of Digital Lending platforms regulated by RBI?

The RBI’s Guidelines on Digital Lending (2022) emphasize transparency, data protection, and responsible lending. Key features include: • Loan disbursement and repayments must flow through the bank accounts of regulated entities (REs) – Option A is correct. • CIC reporting is mandatory – Option B is correct. • All data must be collected with explicit borrower consent – Option C is correct. • Annual Percentage Rate (APR) disclosure is compulsory to avoid hidden costs – Option E is correct. However, Option D is incorrect because digital lending is entirely online, and physical presence is not a requirement under RBI norms.