Author

Deep Shikha

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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 · Global Journal of Engineerin... · 0 citations

Review Open access Jul 2026

Status, Challenges, and Future Perspectives in the Genetic Improvement of Major Oilseed Crops: A Critical Narrative Review

The evidence indicates that breeding has delivered clear gains in adaptation, hybrid performance, oil composition and resistance to selected diseases, but progress is markedly less consistent for complex traits expressed across variable environments.

P. Kumari, Deep Shikha, A. Jha et al. · Journal of Advances in Biolo... · 0 citations