Artificial Intelligence in Credit Scoring. An Analysis of Some Experiences in the Italian Financial System

Medientyp: E-Book

Titel: Artificial Intelligence in Credit Scoring. An Analysis of Some Experiences in the Italian Financial System

Beteiligte: Bonaccorsi di Patti, Emilia [Verfasser:in]; Calabresi, Filippo [Verfasser:in]; De Varti, Biagio [Verfasser:in]; Federico, Fabrizio [Verfasser:in]; Affinito, Massimiliano [Verfasser:in]; Antolini, Marco [Verfasser:in]; Lorizzo, Francesco [Verfasser:in]; Marchetti, Sabina [Verfasser:in]; Masiani, Ilaria [Verfasser:in]; Moscatelli, Mirko [Verfasser:in]; Privitera, Francesco [Verfasser:in]; Rinna, Giovanni [Verfasser:in]

Erschienen: [S.l.]: SSRN, [2023]

Umfang: 1 Online-Ressource (53 p)

Sprache: Englisch

DOI: 10.2139/ssrn.4462973

Identifikator:

Schlagwörter: artificial intelligence ; machine learning ; credit ; credit scoring ; algorithmic bias ; discrimination

Entstehung:

Anmerkungen: Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments October 12, 2022 erstellt

Beschreibung: This report investigates the use of artificial intelligence and machine learning (AI-ML) techniques used by the Italian financial intermediaries to assess creditworthiness. The analysis aims to evaluate how financial intermediaries use AI-ML techniques for customer selection and management within credit processes, and to gather information on their awareness of specific risks that characterise such methodologies. Stemming from the theoretical analysis of conceptual determinants, techniques and legal/institutional context of AI-ML for credit scoring, the report provides insights on the survey on the adoption of such methodologies by financial intermediaries

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