This study implements the multivariable logistic regression to develop a credit scoring model
based on tenants' characteristics. The credit history of tenant is not considered. Rental …

Financial institutions are focused on expanding their revenue streams, by selling various
financial solutions, to their customers, a big chunk of this revenue comes from the credit line …

This article presents a literature review on enterprise credit assessment using the Random
Forest model, distinguishing it from general credit assessment, which includes a broader …

Technological advancements in recent years have enabled the spread of automated
decision-making (ADM) systems. Social scoring systems are a specific instance of ADM …

The objective is to present a proposal for a gender-sensitive risk analysis model using
artificial intelligence (AI) within the framework of complex thinking that provides access to …

Sustainability is an approach increasingly being used by more and more organizations in
the pursuit of a circular economy. Sustainability cannot be achieved without risk …

Alternative credit scoring plays a vital role in advancing the goals of balancing economic
progress with resolving social issues by promoting financial inclusion, supporting data …

This study examines the possibility for businesses to gain a competitive advantage by
leveraging the abundant data from the metaverse to better understand customer behavior …

This chapter discusses the issue of assessing the quality of risk management for a wide
segment of retail lending (from consumer loans to loans for self-employed persons and …

This paper explores questions of justice surrounding the use of alternative credit scoring
techniques for promoting financial inclusion in emerging economies. It adopts a structural …