Category: blog

How Banks Implement Credit Line on UPI: A Practical Issuer Guide

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Table of contents

• Introduction
• Step 1: Credit Policy Approval and Pre-Sanctioning
• Step 2: Credit Scheme Configuration in CLMS
• Step 3: UPI Switch & CLMS Integration
• Step 4: Discovery and Customer Consent
• Step 5: Transaction Controls and Spend Enablement
• Step 6: Repayment, Autopay, and Collections
• Step 7: Pilot, Monitor, and Scale
• Conclusion
• FAQ

Onboarding to Scale: How AI-Driven Merchant Verification & MCC Mapping Reduces Risk and Boosts Efficiency

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Table of contents

• AI-Driven Merchant Verification
• The Merchant Onboarding Challenge
• Why Merchant Verification & Classification Matter
• Introducing CARD91’s BlitzTrust
• How It Works: From Application to Activation
• Why Banks & Acquirers Choose BlitzTrust
• Use Cases Across India’s Fintech Ecosystem
• Compliance-First by Design
• Conclusion

How Smart Lenders Are Using UPI Behavioural Scores to Tap New-to-Credit Segments

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Table of contents

• What is UPI Credit Score Engine
• India’s Credit Inclusion Challenge
• By the Numbers: India’s UPI and Credit Landscape
• From Transactions to Trust: The Rise of Behavioural Scoring
• Introducing BlitzScore: CARD91’s AI-Powered UPI Credit Engine
• How BlitzScore Works: Step-by-Step
• Comparison: Traditional Bureau vs UPI Behavioural Scoring

Simplifying Workforce Management with CARD91’s Unified 3-in-1 Smart Wallet

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Table of contents

• What is a Workforce Management Wallet?
• Introduction: The Future of Workforce Transformation
• What Is the Unified 3-in-1 Smart Wallet?
• Key Features and Capabilities
• Who Can Benefit from CARD91’s Unified Smart Wallet
• Benefits for Employers
• Benefits for Employees
• Infrastructure Powered by CARD91’s PPI Platform
• Conclusion: One Platform. One Card. Infinite

The role of API-led technology in modernizing the BFSI industry

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Table of contents

• How Fintech Differs from Traditional Banking Tech
• The Rise of API-Led Innovation in Financial Services
• India Stack and Regulatory Support: Fintech’s Growth Catalysts
• Post-Pandemic: Digital First, Customer-Centric Strategies
• The Power of APIs: Future-Proofing BFSI
• CARD91: Empowering the Next-Gen BFSI Ecosystem

Payroll Cards – Payouts made simpler and seamless

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Table of contents

• The Pros and Cons of Payroll cards
• Benefits of Payroll cards
• Challenges of Payroll cards
• Conclusion

Picture this scenario – a collections agency appointed by a lender has hired 1000+ feet-on-street (FOS) workforce to facilitate collections from delinquent customers. The dilemma in front of the agency is that almost

Infrastructure Platform-as-a-Service – Opening newer avenues for innovation in payments for the Banks

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Table of contents

• What is iPaaS and Why It Matters
• How iPaaS Accelerates Digital Growth for Banks
• CARD91: Powering the iPaaS Backbone for Banks
• The Road Ahead is Digital

India is rapidly emerging as one of the world’s largest fintech markets. With a market size of $31 billion in 2021, it is

Payments in Metaverse

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Table of contents

• What is Metaverse?
• Why is Metaverse important?
• How does it affect us?
• So what about payments in Metaverse?

What is Metaverse? Metaverse is a parallel online world enabling users to create their own virtual worlds, early onset of Metaverse came in 2003 with Second Life. Second Life was and

Embedded Credit – A great lever for B2B e-commerce platforms

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Table of contents

• So how do B2B e-commerce platforms facilitate embedded credit?
• Advantages for all the parties involved
• Why Embedded Finance?
• Conclusion

Merchants & retailers rely on credit to run and grow their businesses and expand their customer base. Easy access to credit, facilitated by embedded finance, enables merchants to purchase

3-D Secure 2.0 – Making transactions Simpler and Safer

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Table of contents

• What is 3-D Secure?
• How Does It Work?
• 3-D Secure 1.0 vs 2.0
• Benefits of 3-D Secure 2.0
• Conclusion

In today’s digital-first world, fraud prevention is a critical pillar of secure online payments. Whether it’s an unauthorized charge or a phishing scam, most of us have either experienced or