Tag: Underwriting Models

From Bureau Dependence to Behavioural Intelligence: Modernising Credit Underwriting with UPI Data

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​