For decades, Thai banks have relied on borrowers' monthly income to decide how much interest they should pay on personal loans. Now an individual's credit score can help determine interest rates, a ...

VantageScore was designed to improve mortgage default prediction and prevent the next financial crisis.

Self-hosted agents execute code with durable credentials and process untrusted input. This creates dual supply chain risk, ...

IREN Limited shifts to AI with $17.3M revenue and 4.5GW capacity while securing funding for its $9.7B Microsoft contract.

Economic benefits of financial inclusion, meaning a broadening access of the population to financial services, have been studied extensively, but less is known about its potential effects on financial ...

Abstract: Consumer credit risk assessment (CRA) is a process of data gathered from IoT devices called the Consumer IoT. CRA determines the probability that a consumer will miss payments on a financial ...

Pull requests help you collaborate on code with other people. As pull requests are created, they’ll appear here in a searchable and filterable list. To get started, you should create a pull request.

Your favorite latte at the local coffee shop could soon cost $5, $5.10 or $5.25—depending on how you pay. A settlement between Visa, Mastercard and U.S. merchants announced this week could usher in a ...

Collectively, Americans owe $1.23 trillion on their credit cards, according to a new report from the Federal Reserve Bank of New York. However, despite the overall uptick, there is a growing divide ...

Credit risk modeling is important for financial institutions. It represents the risk of borrower not being able to pay back the loan amount, credit card or other types of loans. In some cases, ...

Private credit and the shadow banking system could be the next subprime crisis, lacking regulation and transparency as their size and risk-taking grow. The sector's explosive growth, now rivaling the ...