Purpose Over the last few decades, microfinance industry is argued to have played a
constructive role in alleviating poverty level and providing the underprivileged with access to …

Thin-file borrowers are customers for whom a creditworthiness assessment is uncertain due
to their lack of credit history. To address missing credit information, many researchers have …

In a context of market volatility, the growing complexity of financial products, and a shift
towards self-employment, there is an increasing demand for inclusive financial services for …

Abstract Cong, Li, and Zhang introduce recent research in economics and business-related
fields utilizing data from unconventional sources or of unstructured nature. Highlighting …

Online Microlending, a new financial service, focuses on small loans without any sort of
collateral. It provides more flexible and quicker funding for borrowers, as well as higher …

Nowadays, there is less than 50% adult population of Indonesia who has access to banking
service. This problem is caused by several factors as well as (1) concentrated banking …

Artificial intelligence (AI) and big data are transforming the credit market around the world.
Algorithmic credit scoring (ACS) is increasingly used to assess borrowers' creditworthiness …

Recent year have witnessed the emergence of Financial Technology (FinTech) innovations
as a promising resolution to financial exclusion, via mechanisms that empower the …

В статье рассмотрены направления развития системы репутационного скоринга,
которая предполагает проведение более точного анализа субъектов экономических …

Credit scoring is a method that is used by banks to estimate the risk of lending money to an
individual. It determines the ability of that person to repay the debts. Higher the credit score …