Latest news with #UPICreditScoringEngine
Business Standard
4 days ago
- Business
- Business Standard
CARD91 Launches AI-Powered UPI Credit Scoring Engine to Enable Smarter Lending and Drive Financial Inclusion
PRNewswire Bangalore (Karnataka) [India], August 7: CARD91, a leading payments infrastructure provider, has launched its AI-powered UPI Credit Scoring Engine--a behavioural Business Rules Engine (BRE) that transforms real-time UPI transaction data into dynamic, actionable credit scores. Built to go beyond traditional bureau-based assessments, the solution enables banks, NBFCs, and fintechs to underwrite and pre-approve thin-file and new-to-credit customers with greater confidence--enhancing approval rates, reducing default risk, and driving financial inclusion. Ajay Pandey, CEO of CARD91, commented: "Millions of deserving borrowers remain underserved due to limited or no bureau history. Our AI-powered UPI Credit Scoring Engine redefines risk assessment--enabling lenders to extend credit responsibly while protecting their portfolios." Core Capabilities - Behavioural Credit Scoring (0-100) Uses machine learning to analyze real-time UPI transaction patterns--frequency, value, and categories--to compute a behavioural score, independent of traditional bureau history. - Customizable Eligibility Filters Filter applicants based on income range, transaction history, location, or demographic data to align with one's credit product's risk appetite. - Real-Time & Bulk Score Generation Generate scores instantly via API or in batches--seamlessly integrated into onboarding or underwriting workflows. - Automated Risk Segmentation Automatically classify customers into High, Medium, or Low risk bands based on scoring thresholds tailored to one's business rules. - Configurable Approval Matrix Map risk bands to decision flows--auto-approve, flag for manual review, or reject--reducing manual intervention and improving turnaround time. - Bureau Score Benchmarking Compare behavioural UPI scores with bureau ratings to measure uplift, validate credit decisions, and improve portfolio segmentation. Reimagine Lending with CARD91 Compliant, scalable, and AI-driven, CARD91's UPI Credit Scoring Engine enables lenders to modernize underwriting, reach underserved segments, and scale responsibly. It is built for banks, NBFCs, and digital lenders. It works seamlessly for institutions offering Credit Cards, Credit Lines, Personal Loans, and BNPL products--helping them extend credit confidently to thin-file and new-to-credit segments. About CARD91 CARD91 is a Payments Infrastructure company providing unparalleled technology infrastructure to Banks and other Regulated Entities. The company offers complete tech stacks for PPI, Credit, Multi-Currency, UPI Switch, Credit Line on UPI, UPI Credit Score Engine, Merchant Management, and Merchant Onboarding (with fraud checks). With a team strength of 70+ professionals, CARD91 operates across key financial hubs, including Bangalore, Mumbai, Delhi, and Chennai.
The Wire
4 days ago
- Business
- The Wire
CARD91 Launches AI-Powered UPI Credit Scoring Engine to Enable Smarter Lending and Drive Financial Inclusion
BANGALORE, India, Aug. 7, 2025 /PRNewswire/ -- CARD91, a leading payments infrastructure provider, has launched its AI-powered UPI Credit Scoring Engine—a behavioural Business Rules Engine (BRE) that transforms real-time UPI transaction data into dynamic, actionable credit scores. Built to go beyond traditional bureau-based assessments, the solution enables banks, NBFCs, and fintechs to underwrite and pre-approve thin-file and new-to-credit customers with greater confidence—enhancing approval rates, reducing default risk, and driving financial inclusion. Ajay Pandey, CEO of CARD91, commented: "Millions of deserving borrowers remain underserved due to limited or no bureau history. Our AI-powered UPI Credit Scoring Engine redefines risk assessment—enabling lenders to extend credit responsibly while protecting their portfolios." Core Capabilities • Behavioural Credit Scoring (0–100) Uses machine learning to analyze real-time UPI transaction patterns—frequency, value, and categories—to compute a behavioural score, independent of traditional bureau history. • Customizable Eligibility Filters Filter applicants based on income range, transaction history, location, or demographic data to align with one's credit product's risk appetite. • Real-Time & Bulk Score Generation Generate scores instantly via API or in batches—seamlessly integrated into onboarding or underwriting workflows. • Automated Risk Segmentation Automatically classify customers into High, Medium, or Low risk bands based on scoring thresholds tailored to one's business rules. • Configurable Approval Matrix Map risk bands to decision flows—auto-approve, flag for manual review, or reject—reducing manual intervention and improving turnaround time. • Bureau Score Benchmarking Compare behavioural UPI scores with bureau ratings to measure uplift, validate credit decisions, and improve portfolio segmentation. Reimagine Lending with CARD91 Compliant, scalable, and AI-driven, CARD91's UPI Credit Scoring Engine enables lenders to modernize underwriting, reach underserved segments, and scale responsibly. It is built for banks, NBFCs, and digital lenders. It works seamlessly for institutions offering Credit Cards, Credit Lines, Personal Loans, and BNPL products—helping them extend credit confidently to thin-file and new-to-credit segments. About CARD91 CARD91 is a Payments Infrastructure company providing unparalleled technology infrastructure to Banks and other Regulated Entities. The company offers complete tech stacks for PPI, Credit, Multi-Currency, UPI Switch, Credit Line on UPI, UPI Credit Score Engine, Merchant Management, and Merchant Onboarding (with fraud checks). With a team strength of 70+ professionals, CARD91 operates across key financial hubs, including Bangalore, Mumbai, Delhi, and Chennai. For more information, visit or contact sales@ Logo: (Disclaimer: The above press release comes to you under an arrangement with PRNewswire and PTI takes no editorial responsibility for the same.). PTI This is an auto-published feed from PTI with no editorial input from The Wire.
