Consider how much data is created and used based on our online behaviours and choices.
Converging foundational technologies now enable analytics of the vast data required for …

Recent advances in machine learning (ML) and Big Data techniques have facilitated the
development of more sophisticated, automated consumer credit scoring models—a trend …

The use of algorithmic credit scoring presents opportunities and challenges for lenders,
regulators, and consumers. This paper provides an analysis of the perils of the use of AI in …

This article examines the growth of algorithmic credit scoring and its implications for the
regulation of consumer credit markets in the UK. It constructs a frame of analysis for the …

Current proposals of European regulations—the EU Artificial Intelligence Act and the UK pro-
innovation approach to regulating artificial intelligence (AI)—either define credit scoring as a …

Sažetak Algorithmic decision-making (ADM) systems increasingly take on crucial roles in
our technology-driven society, making decisions, for instance, concerning employment …

From a contract law perspective, this chapter addresses the implications of algorithmic
creditworthiness assessments in credit agreements. On the assumption that (a) access to …

Modern FinTech companies are disrupting the traditional credit scoring model for loan
decision-making by turning to artificial intelligence and machine learning systems. They use …

Credit discrimination undermines consumer financial autonomy and distorts market pricing
of lending risks. To ensure equal access to credit, existing federal fair lending laws-eg …

Headlines tout rapid improvements in artificial intelligence technology. The use of AI
technology–machines and algorithms–to make predictions, recommendations, or decisions …