Alternative Data Sources and Psychometric Scales Supported Credit Scoring Models
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CitationFiliz, G., Nicat, Ş., Şahin, T., Özvural, Ö. G., & Çakar, T. (2023, July). Alternative Data Sources and Psychometric Scales Supported Credit Scoring Models. In 2023 31st Signal Processing and Communications Applications Conference (SIU) (pp. 1-4). IEEE.
This study aims to evaluate individuals with limited access to banking services and enhance credit scoring models with alternative data sources. A psychometric-based credit scoring model was developed and tested. Despite limited data, significant potential findings were obtained. However, clarification of the distinction between credit payment intention and ability and validation of the results with more data are necessary.