Explainable Feature Attribution and Temporal Credit Scoring: AI-Enhanced Models for Borrower Credit Risk Assessment
Keywords:
explainable feature attribution, temporal credit scoring, ai-enhanced models, borrower credit risk assessment, machine learningAbstract
Credit risk evaluation within banking systems has always been and is still a moot issue. Traditional credit risk assessment models quickly become irrelevant because they do not meet modern trends in banking and new financial processes, instruments, and products. Many recent discussions expose the problems of the existing credit risk assessment methodologies and discuss the need for innovation and the use of the possibilities offered by artificial intelligence and machine learning.Readership Data
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