# Tag: AI-powered credit engine

## [New-to-Credit? No Problem: How Banks Can Unlock Growth with UPI Behavioural Data](/content/blog/upi-based-lending-new-to-credit-financial-inclusion/index.html)

### Table of contents
- Introduction: The Untapped Potential of New-to-Credit Segments​
- Why Traditional Underwriting Leaves Gaps​
- UPI Behavioural Data: A Game-Changer for Thin-File Customers​
- How UPI-Based Lending Boosts Bank Performance​
- Use Case: Lending to Thin-File Customers in Tier-2 and Tier-3 Cities​
- Regulatory Alignment: Ethical and Secure Credit Expansion

## [How UPI-Based Credit Scoring is Redefining Lending for Banks](/content/blog/upi-based-credit-scoring-for-banks/index.html)

### Table of contents
- Introduction
- The Problem with Legacy Credit Models
- Enter: AI-Powered UPI Credit Scoring
- Key Benefits for Banks
- How CARD91’s Engine Makes It Work​
- Real-World Use Cases​
- Conclusion​

### Introduction
Traditional credit scores are no longer enough. In an era where millions transact daily through UPI but remain invisible to credit bureaus,

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