<h1>AI-Powered Credit Scoring Using Real-Time UPI Data Boosts Lending for Thin-File Customers Under Section 43A</h1> A payments infrastructure provider has introduced an AI-driven credit scoring engine that utilizes real-time UPI transaction data to generate behavioral credit scores, enabling financial institutions to assess creditworthiness beyond traditional bureau reports. This technology allows banks, NBFCs, and fintech companies to underwrite and pre-approve credit for thin-file and new-to-credit customers more effectively, enhancing approval rates while managing default risks. The engine features customizable eligibility filters, real-time and bulk score generation, automated risk segmentation, and configurable approval matrices to streamline lending decisions. It also offers benchmarking against traditional bureau scores to improve portfolio segmentation. Designed for compliance and scalability, the solution supports various credit products, including credit cards, personal loans, and buy-now-pay-later offerings, aiming to promote responsible lending and financial inclusion.