How AI is rewriting 70 years of lending rules

The next era of lending will be defined by companies that operationalize AI with discipline, building in strong governance, ...
Seeking Alpha

Santander US Auto Business Wins 2025 FICO Decisions Award for Machine Learning Credit Risk Analysis

The Santander US Auto business uses FICO® Platform to enhance the use of machine learning capabilities to support credit risk analysis. FICO Platform enables Santander US Auto to build an analytical ...
Finextra

AI in Fintech: Revolutionising Credit Risk Models

Having spent over 2 decades in banking and financial services, I have seen how financial models evolve, but never at the speed seen today. AI is reshaping credit risk assessment, offering a more ...
American Banker

Your AI credit models are fine, but their training data is problematic

AI systems built to assess creditworthiness are trained on data that implicitly accepts past discriminatory lending decisions as legitimate signals about borrowers today, writes Deon Crasto, of ...
techtimes

Balancing Accuracy and Transparency: Olubunmi Martins-Afolabi on Explainable AI in Wholesale Credit Risk Assessment

A visionary business analyst and product owner with 18 years of proven track record in driving industry-transforming financial solutions in the UK, Olubunmi Martins-Afolabi possesses exceptional ...
The Lancet

When to and when not to use machine learning in risk prediction models

Machine learning for health data science, fuelled by proliferation of data and reduced computational costs, has garnered considerable interest among researchers. The debate around the use of machine ...