IMF researchers propose to have AI use ONLINE history to determine credit rating, in name of ‘inclusion’ of course ...News

Traditional data used for credit-scoring could be replaced by AI-powered processes based on online search and purchase histories to better reach a billion-plus “unbanked people” globally, a group of IMF researchers has proposed. Using non-financial data such as “the type of browser and hardware used to access the internet, the history of online searches and purchases,” which is then fed into technology powered by AI and machine learning, could “advance financial inclusion, by, for example, enabling more credit to informal workers and households and firms in rural areas,” write Arnoud Boot, Peter Hoffmann, Luc Laeven and Lev Ratnovski i

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Last updated : 19 Dec 2020 clock 03:30 AM

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IMF researchers propose to have AI use ONLINE history to determine credit rating, in name of ‘inclusion’ of course ...News

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