Categories: Business

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.

- Advertisement -

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.

- Advertisement -

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

- Advertisement -
  • 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

- Advertisement -

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.

- Advertisement -

About CARD91

- Advertisement -

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 www.card91.io or contact sales@card91.io

- Advertisement -

Logo: https://mma.prnewswire.com/media/2446086/Card91_Logo.jpg

- Advertisement -

 

View original content:https://www.prnewswire.com/in/news-releases/card91-launches-ai-powered-upi-credit-scoring-engine-to-enable-smarter-lending-and-drive-financial-inclusion-302524082.html

- Advertisement -
PRNW Agency

Recent Posts

Anbogen Receives FDA Clearance to Initiate Phase 1/2 Trial of ABT-301 Triplet Therapy for Advanced Colorectal Cancer

TAIPEI, Aug. 4, 2025 /PRNewswire/ -- Anbogen Therapeutics today announced that the U.S. Food and…

3 hours ago

CTO Investors Have Opportunity to Lead CTO Realty Growth, Inc. Securities Fraud Lawsuit with the Schall Law Firm

LOS ANGELES--(BUSINESS WIRE)--$CTO--The Schall Law Firm, a national shareholder rights litigation firm, reminds investors of…

5 hours ago

C3 AI Restructures Sales and Services Organizations to Accelerate Growth

New leadership includes Chief Commercial Officer, General Manager of EMEA, North AmericaREDWOOD CITY, Calif.--(BUSINESS WIRE)--C3…

5 hours ago

ITPO and Fairfest Media Sign MoU to Co-Organize Municipalika 2026

India's Premier International Conference and Exhibition on Safe, Smart, and Sustainable City Solutions returns to Bharat…

6 hours ago

Startek honored with 3 Stevie Awards for Great Employers 2025

Global recognition for Startek people practices in remote workforce, DEI and leadership development MUMBAI, India,…

11 hours ago

CGTN: Why Chinese film Dead to Rights topped global weekend box office

BEIJING, Aug. 7, 2025 /PRNewswire/ -- Chinese film Dead to Rights has been maintaining its top…

11 hours ago