相关论文: Credit Risk Estimation with Non-Financial Features…

Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for…

Despite accounting for 96.1% of all businesses in Malaysia, access to financing remains one of the most persistent challenges faced by Micro, Small, and Medium Enterprises (MSMEs). Newly established businesses are often excluded from formal…

Whilst academic, commercial and policy literature on financial exclusion is extensive and wide-ranging, there have been very few attempts to quantify and measure localised financial exclusion anywhere in the world. This is a subject of…

This paper evaluates the redistributive and efficiency impacts of expanding access to positive credit information in a financially excluded economy. Using microdata from Uruguay's 2021 household survey, we simulate three data regimes…

Recent advances in deep learning have enabled the inference of urban socioeconomic characteristics from satellite imagery. However, models relying solely on urbanization traits often show weak correlations with poverty indicators, as…

In this paper we present 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…

This study is concerned with the analysis of three-level ordinal outcome data with polytomous logistic regression in the presence of random-effects. It is assumed that the random-effects follow a Bridge distribution for the logit link,…

Various poverty reduction strategies are being implemented in the pursuit of eliminating extreme poverty. One such strategy is increased access to microcredit in poor areas around the world. Microcredit, typically defined as the supply of…

This research article analyses and demonstrates the hidden implications for fairness of seemingly neutral data coupled with powerful technology, such as machine learning (ML), using Open Banking as an example. Open Banking has ignited a…

The presence of Super-Apps have changed the way we think about the interactions between users and commerce. It then comes as no surprise that it is also redefining the way banking is done. The paper investigates how different interactions…

Digital financial services can introduce new digital-safety risks for users, particularly survivors of intimate partner financial abuse (IPFA). To offer improved support for such users, a comprehensive understanding of their support needs…

The thin-file borrowers are customers for whom a creditworthiness assessment is uncertain due to their lack of credit history; many researchers have used borrowers' relationships and interactions networks in the form of graphs as an…

Risk assessment is a substantial problem for financial institutions that has been extensively studied both for its methodological richness and its various practical applications. With the expansion of inclusive finance, recent attentions…

The paper presents findings from a comprehensive study examining the saving and credit behaviors of low-income households residing in unauthorized colonies within a metropolitan area. Utilizing a dual approach, the study engaged in…

Inspired by recent ideas on how the analysis of complex financial risks can benefit from analogies with independent research areas, we propose an unorthodox framework for mapping microfinance credit risk---a major obstacle to the…

I develop a nonparametric framework for identifying spatial boundaries of treatment effects without imposing parametric functional form restrictions. The method employs local linear regression with data-driven bandwidth selection to…

We formalize a macro-financial stress test for rapid AI adoption. Rather than a productivity bust or existential risk, we identify a distribution-and-contract mismatch: AI-generated abundance coexists with demand deficiency because economic…

Ending poverty in all its forms everywhere is the number one Sustainable Development Goal of the UN 2030 Agenda. To monitor the progress towards such an ambitious target, reliable, up-to-date and fine-grained measurements of socioeconomic…

A growing trend in financial technology (fintech) is the use of mobile phone data and machine learning (ML) to provide credit scores- and subsequently, opportunities to access loans- to groups left out of traditional banking. This paper…

In the era of real-time data, traditional methods often struggle to keep pace with the dynamic nature of streaming environments. In this paper, we proposed a hybrid framework where in (i) stage-I follows a traditional approach where the…