Super-app behavioral patterns in credit risk models: Financial, statistical and regulatory implications
Expert Systems with Applications(2021)
摘要
•Super-apps alternative data captures information that a traditional bureau does not.•Super-apps data contributes to financial inclusion and credit assessment.•Statistical and financial performance of credit models improves with alternative data.•Regulators should encourage the use of alternative data with an effective supervision.
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关键词
Fintech,Super-app,Credit sscoring,Financial inclusion,Alternative data
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