UPI Revolution: AI Credit Scoring Engine to Boost India's Fintech Landscape

UPI Revolution: AI Credit Scoring Engine to Boost India’s Fintech Landscape

Bangalore, August 7, 2025: CARD91, a prominent payments infrastructure provider, has unveiled a groundbreaking AI-powered UPI Credit Scoring Engine. This innovative solution leverages real-time UPI transaction data to generate dynamic credit scores.

The new engine, a sophisticated Behavioural Business Rules Engine (BRE), moves beyond traditional credit bureau assessments. It offers a more comprehensive and nuanced view of an individual’s creditworthiness.

This technology empowers banks, Non-Banking Financial Companies (NBFCs), and fintech players. They can now underwrite and pre-approve loans with greater accuracy and speed. This ultimately expands financial inclusion for millions of Indians.

The launch signifies a significant leap forward for India’s fintech sector. It promises to unlock credit access for previously underserved populations, driving economic growth and financial empowerment across the country. The impact on micro, small, and medium enterprises (MSMEs) is expected to be particularly significant.

Karanveer Sharma

A dedicated journalist and legal expert with a passion for uncovering the truth and advocating for justice. With hands-on experience in investigative journalism, legal research, and case analysis, I possess a strong ability to break down complex legal and societal issues into clear, impactful narratives. My work is driven by a commitment to transparency, integrity, and empowering people with accurate, insightful information.