Whitepapers & Research
Technical documentation, research papers, and impact studies that form the foundation of the OpenCredit initiative. All our research is open-access and peer-reviewable.
Published Papers
OpenCredit Impact Paper v1.0
Comprehensive impact paper outlining the vision, technical architecture, and projected impact of open-source credit scoring in India. Covers the 25 trillion rupee MSME credit gap and how transparent, UPI-based credit assessment can bridge it.
UPI Transaction Analysis for Credit Scoring
Technical paper detailing the methodology for analyzing UPI transaction patterns to derive creditworthiness signals. Includes statistical validation and comparison with traditional credit bureau scores.
Fairness and Bias in Credit Algorithms
Research on ensuring algorithmic fairness in credit scoring, including statistical tests for bias detection and mitigation strategies specific to the Indian context.
Ongoing Research
Our research team is continuously exploring new frontiers in credit assessment, financial inclusion, and algorithmic fairness. Here are some of our current research initiatives:
Exploring additional data sources beyond UPI for holistic credit assessment
Analyzing credit behavior patterns across different Indian states and regions
Deep dive into the specific credit requirements of micro and small merchants
Making credit decisions transparent and understandable to borrowers
Reference Documents
Key external references and regulatory documents that inform our work:
Contribute to Our Research
We welcome contributions from researchers, academics, and practitioners. If you're working on related research or have insights to share, we'd love to collaborate.