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Construcción de un score crediticio mediante el análisis de datos alternativos y métodos de inteligencia artificial para impulsar la inclusión financiera

Author

Listed:
  • Paulina Milenka González Manrique

    (Graduada en Ingeniería Financiera - ITESO Universidad y Máster en Instituciones y Mercados Financieros - CUNEF)

  • María Coveñas de León

    (Máster en Instituciones y Mercados Financieros - CUNEFF)

Abstract

Este estudio desarrolla un modelo de score crediticio utilizando datos alternativos e inteligencia artificial, con el objetivo de promover la inclusión financiera. Se implementaron técnicas como XGBoost, regresión logística y Random Forest, demostrando la efectividad de los datos no convencionales en la evaluación del riesgo crediticio e impactando la inclusión financiera.

Suggested Citation

  • Paulina Milenka González Manrique & María Coveñas de León, 2024. "Construcción de un score crediticio mediante el análisis de datos alternativos y métodos de inteligencia artificial para impulsar la inclusión financiera," Revista de Economía y Finanzas (REyF), Asociación Cuadernos de Economía, vol. 2(5), pages 137-154, Mayo.
    • Handle: RePEc:cud:journ2:v:2:y:2024:i:5:p:137-154
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    More about this item

    Keywords

    Inclusión financiera; Inteligencia artificial; Datos alternativos; XGBoost; Evaluación del riesgo crediticio;
    All these keywords.

    JEL classification:

    • C38 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Classification Methdos; Cluster Analysis; Principal Components; Factor Analysis
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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