Nature

Transforming credit risk evaluation in digital lending from black box models to transparent decisions

We are providing an unedited version of this manuscript to give early access to its findings. Before final publication, the manuscript will undergo further editing. Please note there may be errors ...
Nature

Consumer credit evaluation model for free trade ports by a sparse attention transformer and graph neural network

Traditional credit evaluation models often struggle to model long behavioral sequences and complex relational risks. To overcome these limitations, this study proposed a hybrid deep learning framework ...
The Banker

Banks and regulators clash over ‘black box’ AI credit risk

Earlier this year when a UK Treasury Committee released a report warning that regulators’ complacency on AI in financial ...
techtimes

Balancing Accuracy and Transparency: Olubunmi Martins-Afolabi on Explainable AI in Wholesale Credit Risk Assessment

A visionary business analyst and product owner with 18 years of proven track record in driving industry-transforming financial solutions in the UK, Olubunmi Martins-Afolabi possesses exceptional ...

Credit Scoring: How It Affects Borrowing Terms

Learn about credit scoring, including how the process works, factors that influence your credit score, and the ways you can ...