Artificial intelligence systems for assessing creditworthiness

This paper explores the application of Artificial Intelligence (AI) systems in assessing creditworthiness. AI-based
models leverage large datasets, machine learning, and advanced analytics to evaluate the credit risk of individuals
and organizations more accurately and efficiently than traditional methods. By incorporating alternative data sources, AI
systems can provide deeper insights into the financial behavior of borrowers, enhancing the decision-making process for
credit institutions. This study examines the effectiveness, advantages, and challenges of using AI in credit assessments
and highlights its potential to revolutionize the financial sector.