Abstract:Modern models of creditworthiness testing are automated. By creating models, the aim is to objectify the process and reduce the time to issue a credit decision. There is a difference between the creditworthiness testing used by banks that often use credit scoring and companies from the FinTech sector which base their ability testing on complex algorithms
that take into account the characteristics of the subject and person. Should be emphasized threats exemplified by the implementation of the program of the Chi… Show more
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