Remove Credit Risk Remove Financial Inclusion Remove Risk Assessment
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Tradition and Technology: Bhutan’s Journey into Fintech and Financial Inclusion

The Fintech Times

Banks By 2020, Bhutan’s financial sector included five banks, three insurance companies, one CSI bank, five microfinance institutions, one pension institution, two telecom companies as well as a single stock exchange. These advancements offer the potential to boost economic development and prosperity across the Kingdom.

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Can Agentic AI in Fintech Transform Financial Services Through Autonomous Intelligence?

Fintech News

How Agentic AI Can Transform Fintech Operations Potential Use Case Without Agentic AI With Agentic AI Customer engagement Rule-based chatbots provide scripted responses and struggle with context retention AI-driven financial assistants adapt to user behaviour, proactively offer personalised insights, and autonomously act (e.g.,

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5 Uncomfortable Truths About SME Lending in 2025

Finextra

From how fintechs are answering SME challenges and why credit risk models need a reset , to the role of non-dilutive funding and what founders should expect from lenders in 2025 , the message has been consistent. Approval rates also reflect fundamental flaws in risk assessment. Regulatory changes are adding pressure.

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Home Credit China Cuts Risk by 25 Percent on Thin File Loans

FICO

Home Credit , a global non-bank consumer lender, has successfully reduced its credit risk while maintaining loan volumes and keeping approval rates steady by incorporating the FICO® Score X Data to optimize its loan process in China. This type of financial inclusion is good for the consumer and good for our business.

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Credit Scoring: Which Personality Traits Predict Credit Risk?

FICO

Our work with both EFL and Lenddo is part of the FICO Financial Inclusion Initiative. Lenders rely on credit scoring to assess consumers’ risk, and credit scoring relies on credit data. But what if an applicant is new to credit? An Alternative to Credit Data. appeared first on FICO.

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Using Alternative Data in Credit Risk Modelling

FICO

When it comes to using alternative data in credit risk assessments, the field has really opened up over the last few years. Alternative data is a hot topic, in part because of the data explosion of the last few years, and in part because of the drive in lending for financial inclusion. What is alternative data?

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What Does 2023 Have in Store for U.S. Credit Risk and FICO Score Trends?

FICO

Credit Risk and FICO Score Trends? credit risk and FICO® Score trends. At the same time, increasing adoption of recent innovations in credit scoring solutions should benefit consumers, leading to greater consumer empowerment opportunities and credit access.