INNOVATIVE METHODS OF ASSESSING CREDITWORTHINESS IN MODERN BANKING PRACTICE
Abstract
The article analyzes innovative methods for assessing creditworthiness in modern banking practice and examines the use of artificial intelligence, machine learning algorithms, big data analytics, and alternative data sources. Particular attention is paid to their role in improving the accuracy of credit risk assessment, enhancing scoring systems, and supporting data-driven decision-making in the digital financial environment.
Fields of Study & Subjects
Financial Distress and Bankruptcy Prediction
Digital Transformation in Financial Services
Banking stability
regulation
efficiency
Publication details
- Journal / source
- Zenodo (CERN European Organization for Nuclear Research)
- Publication date
- 9 February 2026
- Language
- EN
- Document type
- Dataset