Aditya Gurematti

Arm's Length Lending for the Thin Filed Using Artificial Intelligence

This article reviews existing techniques and proposes new methods to evaluate credit risk in economies without formal credit systems but widespread mobile phone usage. Limited availability of formal financial data remains the primary drawback to credit access, yet AI-based analys...

Arm's Length Lending for the Thin Filed Using Artificial Intelligence

This article reviews existing techniques and proposes new methods to evaluate credit risk in economies without formal credit systems but widespread mobile phone usage. Limited availability of formal financial data remains the primary drawback to credit access, yet AI-based analys...