AI LAB
AI LAB
Intelligence Built Into the Payments Infrastructure
AI-led fraud detection, real-time risk monitoring, and behaviour-based risk assessment—built as native extensions of CARD91’s payments & credit infrastructure for banks, NBFCs, and regulated fintechs operating within RBI and NPCI frameworks.
Value Proposition
AI in Action, Built for Regulatory Reality
Early Fraud Prevention
Identify and mitigate fraud risks across onboarding, transactions, and credit usage through continuous, risk-based monitoring.
Real-Time Risk Monitoring
Enable ongoing transaction-level and behavioural risk monitoring without impacting system performance.
Enhanced Due Diligence
Strengthen merchant and customer due diligence through structured verification, consistent KYB classification, and periodic validation.
Responsible Credit Expansion
Support controlled credit deployment, including Credit Line on UPI, through usage-based assessment and exposure controls.
Regulatory-Grade Scale
Operate at national scale with traceable, auditable controls aligned with RBI guidelines and NPCI requirements.
Inside AI Lab
Core Intelligence Modules
Merchant Verification & Classification
AI-driven merchant verification and MCC classification designed to help issuers and acquirers:
- Reduce onboarding fraud and misclassification risk
- Improve KYB accuracy and consistency
- Detect merchant behaviour drift post-activation
- Accelerate merchant go-live without weakening controls
Built in alignment with RBI & NPCI guidelines.
UPI Credit Score Engine
An AI-led credit assessment engine for lenders across Personal Loans, Credit Cards, and Credit Line on UPI, enabling issuers to:
- Assess eligibility using UPI transaction behaviour
- Monitor exposure and risk continuously after sanction
- Support real-time credit decisions within UPI flows
- Scale credit portfolios with disciplined, policy-driven risk controls
Designed for issuer-controlled underwriting, not black-box scoring.
Resources
Our Latest Partnerships & Announcements
Latest Press Release
Blog Posts
Fragmented verification slows BFSI onboarding even after KYC is complete. Learn how unified signals improve decision speed.
Learn how banks and NBFCs can reduce false positives in digital onboarding and avoid unnecessary manual reviews.
Verification alone doesn’t make onboarding decision-ready. See how post-verification decisioning reduces manual reviews.
A confidence score in BFSI onboarding helps determine whether a case is strong enough to act on, not just how risky it appears. Here’s why that matters more than risk scores alone.
Start modernising your payments with CARD91 infrastructure
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