CARD91 Launches AI-Powered UPI Credit Scoring Engine to Enable Smarter Lending and Drive Financial Inclusion

CARD91 has launched an AI-powered UPI Credit Scoring Engine, a business rules engine (BRE) that converts real-time UPI data into credit scores. Built for banks, NBFCs, and fintechs, it helps underwrite thin-file customers, boosting approval rates while minimizing risk. CEO Ajay Pandey emphasized its role in responsible lending. Features include behavioral scoring, real-time analysis, automated segmentation, and bureau benchmarking. It supports credit cards, loans, BNPL, and integrates with CARD91’s fintech infrastructure.