# Tag: Digital Lending

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

### 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

## About Us  
**Monepeak Fintech Private Limited**  
1st Floor, 1614, Enzyme 7th cross, 19th Main Rd, Sector 1, HSR Layout, Bengaluru, Karnataka 560102