Innovative technologies in credit risk management: digitalization strategies for banking risk management

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Analysis reveals big data and artificial intelligence improve credit risk management, suggesting new regulatory frameworks are needed.

Digital technologies in banking enhance credit risk management and improve loan portfolio accuracy.
Key metrics show real-time monitoring and machine learning support better risk assessment practices.
Comparative and statistical analysis illustrate the impact of big data and blockchain in financial risks.
Increased focus on cybersecurity is critical as algorithmic risks and data protection challenges arise.

M. A. Garaguts (2025) studied this question.

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