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Sponsored AI Networking Cookbook: Practical recipes for AI-assisted network automation and development AI Networking Cookbook: Practical recipes for AI-assisted network automation and development

Author

Himanshu Vasnani

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Open access Jul 2026

UPI behavioral proxies for thin-file credit risk prediction

India's Unified Payments Interface (UPI) generates rich behavioral data for over 400 million active users, yet this transactional signal remains inaccessible to most lenders for credit assessment due to data privacy restrictions. Thin-file borrowers — individuals with limited formal credit history — represent the prima...

Deep Shikha, Himanshu Vasnani · 0 citations

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