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<h1>Behavioural UPI credit scoring enables underwriting for thin-file and new-to-credit customers using real-time transaction patterns.</h1> CARD91's AI-powered UPI Credit Scoring Engine transforms real-time UPI transactions into a behavioural credit score independent of bureau history, enabling underwriting for thin-file and new-to-credit customers. It offers customizable eligibility filters, real-time and bulk score generation via API, automated risk segmentation into High/Medium/Low bands, a configurable approval matrix for decision flows, and bureau score benchmarking to validate and segment portfolios.
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