Aprovechando la IA y el aprendizaje automático para la evaluación del riesgo crediticio: exploración de fuentes de datos alternativas
El acceso a un crédito justo es el acceso a la oportunidad. Los originadores de crédito tienen una enorme responsabilidad a la hora de decidir quién tiene acceso a esa oportunidad. Esta es la razón por la que la evaluación del riesgo crediticio desempeña un papel crucial en la industria financiera, ya que permite a […]
Harnessing AI and Machine Learning for Credit Risk Assessment: Exploring Alternative Data Sources
Access to fair credit is access to opportunity. Lenders hold enormous responsibility for deciding who has access to that opportunity. This is why credit risk assessment plays a crucial role in the financial industry, enabling lenders to evaluate the creditworthiness of borrowers. Traditionally, credit risk assessment relied on historical financial data and credit scores. However, […]
7 conclusiones sobre economía conductual, psicometría y ‘nudging’
Por Rodrigo Rocha La psicología y las ciencias del comportamiento pueden ayudarnos a comprender el papel que desempeñan nuestro carácter y personalidad en nuestros procesos de toma de decisiones, especialmente las elecciones que afectan nuestra vida financiera. Se ha demostrado que comprender la importancia del carácter conduce a mejores resultados en el campo del crédito […]
7 takeaways on Behavioural Economics, Psychometrics and Nudging
Psychology and behavioural sciences can help us understand the role our character and personality play in our decision-making processes, especially the choices that impact our financial lives. Understanding the importance of character has been shown to lead to better outcomes in the field of credit and collection for both consumers and financial services providers.
The 3 C’s of Credit
The three C’s are Character, Capacity and Collateral, and today they remain a widely accepted framework for evaluating creditworthiness, used globally by banks, credit unions and lenders of all types.
Fair credit, from A to Gen Z
This article explores the unique personality characteristics of Generation Z, also known as iGen or Centennials. From their tech-savvy nature to their social inclusivity and purpose-driven mindset, discover what sets this young adult demographic apart from their predecessors.
What an alternative credit score should never check
Predictive credit insights with zero personal data. Credit scores are changing, considering more diverse data than ever before. But while more data can be considered, not all of it should be. Personal information does not need to be shared for an alternative data credit assessment. Today, financial businesses are incorporating new data sources, such as […]
A history of credit scores
The ways of working out who to trust in the world of credit have changed with over the years. Let’s look at the history of credit scores.
Findex Findings: Inclusion increases but the credit gap persists
The Global Findex report from the World Bank shows account ownership is increasing but credit inclusion remains a challenge.
Hablando de datos alternativos
¿Cómo se pueden aprovechar los principios de la personalidad y de la economía conductual en el mundo de la evaluación del riesgo de crédito? Ese fue el tema de discusión en la conferencia Ciclo de Riesgo celebrada recientemente en Colombia. Vea la ponencia de Begini a través del Head para Latinoamérica – Rodrigo Rocha. https://youtu.be/a1eaunCYl14 […]
