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Empowering Financial Inclusion Through Credit and Predictive Analytics

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Exploration of predictive analytics' impact on creditworthiness in underserved populations, indicating ethical considerations.

Creditworthiness assessments can improve financial access, particularly for previously excluded communities.
Alternative data sources enhance credit decision-making, allowing for nuanced evaluations in underserved markets.
Technological foundations include machine learning and explainable AI, providing robust frameworks for financial innovation.
Ethical governance models and bias detection are crucial to balancing innovation and consumer protection in credit analytics.

Parda Saradhi Chalamalasetty (2025) studied this question.

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