Part 5/12:
Addressing these fragmented systems, the team envisioned a single, integrated system capable of synthesizing data across various credit modalities. Such a system would dynamically select relevant data based on risk appetite, facilitate the onboarding of new customer segments, and reduce reliance solely on digital footprints. This approach moves beyond rigid rule-based algorithms, emphasizing flexibility and inclusivity.
The methodology involved thorough gap and boundary analysis, reviewing prior work which, despite progress, often ignored the holistic assessment of individual creditworthiness. The research aimed to bridge these gaps, creating a more comprehensive framework aligned with financial inclusion objectives.