Fintech and big tech credit: a new database
This Working Paper by the Bank of International Settlements, while not as focused on credit risk, maps the conditions for and niches occupied by alternative credit, be it provided by fintechs or big tech companies.
- from
- Credit Modeling
- added
- 2026-10-10
- likes
- 0
similar
-
Network based credit risk models tandfonline.com
Peer-to-Peer lending platforms may lead to cost reduction, and to an improved user experience. These improvements may come at the price of inaccurate credit risk measurements. The authors propose to augment traditional credit scoring methods with “alternative data” that consist…
-
Presents the impact of alternative data that originates from an app-based marketplace, in contrast to traditional bureau data, upon credit scoring models. These alternative data sources have shown themselves to be immensely powerful in predicting borrower behavior in segments…
-
'Lending by numbers': credit scoring and the constitution of risk within American consumer credit tandfonline.com
Examines how statistical credit-scoring technologies became applied by lenders to the problem of controlling levels of default within American consumer credit. Explores their perceived methodological, procedural and temporal risks.
-
Credit scoring methods: Latest trends and points to consider sciencedirect.com
"(...) This article aims at providing a systemic review of the most recent (2016–2021) articles, identifying trends in credit scoring using a fixed set of questions. The survey methodology and questionnaire align with previous similar research that analyses articles on credit…
-
Modeling Institutional Credit Risk with Financial News arxiv.org
Current work in downgrade risk modeling depends on multiple variations of quantitative measures provided by third-party rating agencies and risk management consultancy companies. There has been a wide push into using alternative sources of data, such as financial news, earnings…
-
Machine Learning in Credit Risk Modeling slideshare.net
James (formerly CrowdProcess) is a now-defunct online credit risk management startup that provided risk management tools to financial institutions. This whitepaper offers an overview of machine learning applications in the field of credit risk modeling.
Credit Modeling › Introduction: “This Working Paper by the Bank of International Settlements, while not as focused on credit risk, maps the conditions for and niches occupied by alternative credit, be it provided by fintechs or big tech companies.”