# Tag: Alternative Data

## [From Bureau Dependence to Behavioural Intelligence: Modernising Credit Underwriting with UPI Data](/content/blog/behavioural-intelligence-credit-underwriting/index.html)

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### Table of contents  
- The Old World of Credit Decisions  
- The Rise of Behavioural Underwriting  
- Why UPI Data Is the Missing Link in Credit Scoring  
- Introducing CARD91’s BlitzScore – India’s First UPI Behavioural Credit Engine​  
- Core Capabilities  
- The Shift: From Historical Dependence to Real-Time Intelligence​  
- Real-World Use Cases​  
- Key Challenges and CARD91’s Solutions​

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