PYMNTS

MARCH 10, 2020

Inaccurate and slow credit risk assessment for [small- to medium-sized business (SMB)] commercial loan requests is one of the major reasons that over 50 [percent] of loans are currently declined by financial institutions (FIs),” said Roger Vincent, chief innovation officer at Trade Ledger.

Risk Assessment 52

Risk Assessment Assessments Risk Underwriting 52

Fintech News

FEBRUARY 10, 2025

In fintech, this means AI systems that dynamically manage credit risk, automate trading decisions, and even preemptively block fraud, all without human intervention.

AI 85

AI FinTech Fraud Detection Fraud Prevention 85

FICO

MARCH 25, 2020

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. by FICO.

Risk 97

Risk Point-of-Sale (POS) Financial Inclusion Risk Assessment 97

FICO

JUNE 5, 2023

But as more providers take steps towards extending mobile phone leasing to underserved markets, new demographics and segments with thin credit files, while offering the lasts handsets and access to high-speed services, they face a multitude of challenges.

Finance 52

Finance Credit Risk Risk Origination 52

FICO

MAY 23, 2022

Finding a way to score millions without credit history. Círculo de Crédito , the fastest-growing credit bureau in Mexico, has used unique credit risk scores from FICO to boost financial inclusion in Mexico and help an additional 20 million citizens access credit.

Financial Inclusion 52

Financial Inclusion Risk Assessment Embedded Finance Assessments 52

M2P Fintech

MARCH 25, 2025

They will integrate seamlessly with ULI through standardized APIs, enhancing risk management by leveraging comprehensive borrower data. This integration will help reduce operational costs, making credit more accessible to underserved populations and aligning with ULI’s goal of financial inclusion.

Payment APIs and Integration 52

Payment APIs and Integration Verification Small Business Use Case 52

Finextra

JULY 7, 2025

Upstart (2024) AI Application: Loan underwriting and risk assessment Experience Impacted: CX - Banking Customer Experience AI Loan Underwriting Platform: The fintech Upstart has pioneered AI-based lending, and by 2024 its platform was adopted by 500+ banks and credit unions for personal and auto loans.

AI 72

AI Fraud Detection Online and Mobile Banking Payment APIs and Integration 72