Japan Credit Rating Agency

Artificial intelligence is changing how lenders assess credit risk by analyzing large volumes of data faster and more accurately than traditional scoring models. But while AI can improve decision-making, it is not without limitations. This article explores how AI credit scoring works, the data it relies on, where it delivers the most value, and the challenges lenders must address to ensure fair, transparent, and reliable lending decisions.

The structure of the global economy is shifting. More people are working short-term gig, freelancing, and relying on digital platforms to earn a living.

This article explores the providers working to modernize lending in Cuba. From credit scoring systems adapted to data limitations to KYC and payment platforms designed for local challenges.