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Introduction

In: Artificial Intelligence and Credit Risk

Author

Listed:
  • Rossella Locatelli

    (University of Insubria)

  • Giovanni Pepe

    (KPMG Advisory)

  • Fabio Salis

    (Credito Valtellinese)

Abstract

Nowadays that new masses of data have become available, and the artificial intelligence (AI) techniques have become more interpretable, the financial service industry is investing on the development of AI models. In particular, alternative types of information have become accessible due to the business relationships of banks with their customers, the progressive digitalisation of the economy, the availability of information of the websites, newspaper articles and social media, the COVID-19 pandemics. Those types of data can be used with different purposes to enhance several aspects of the credit risk modelling: early warning, provisioning, benchmarking, loan granting and risk discrimination.

Suggested Citation

  • Rossella Locatelli & Giovanni Pepe & Fabio Salis, 2022. "Introduction," Springer Books, in: Artificial Intelligence and Credit Risk, chapter 0, pages 1-7, Springer.
    • Handle: RePEc:spr:sprchp:978-3-031-10236-3_1
    DOI: 10.1007/978-3-031-10236-3_1
    as

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