Leading-edge approaches and digital solutions in assessing borrowers’ creditability

Анотація

Introduction. Assessment of borrowers’; creditability is one of the key elements of lending activity and the functioning of the credit market. Digitalization and fintech innovations give new opportunities for improving assessment of credit risks and decision-making processes. Problem Statement. A combination and integration of the classic and digital fintech components in the general logic of assessing borrowers’; creditability in theoretical context are have needed. The purpose is to generalize and expand the classification of assessment methods and components of the process of assessing the creditworthiness of borrowers, taking into account the latest digital solutions and the implementation of financial technologies. Methods. The methods of system analysis, analysis and synthesis, and deduction were have used. Results. The main types of borrowers’ creditability assessment are have describe. Key problems at different stages of assessing borrowers’ creditability are have highlighted. Digitalization and fintech innovations in borrower’s credits assessment and the benefits of their implemented are have description. Proposals for expanded structural and logical components of the borrowers’ creditability assessment with digital solutions and financial technologies are have formulated. Proposals for expanding the types of borrowers’ creditability assessment with new digital solutions and financial technologies are have formulated. Conclusions. The results can have theoretical application for a) expanding and modernizing (with added digital solutions) a general classification and steps in borrowers’ creditability assessment; b) more institutional and process certainty in the credit market sector and credit assessment; c) development of a categorical base in the Ukrainian scientific tradition, etc.

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