Leveraging artificial intelligence and Big Data to unlock the potential in bespoke SME lending

Sean Hunter
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Sean Hunter: OakNorth Analytical Intelligence, UK

Journal of Digital Banking, 2019, vol. 4, issue 2, 111-118

Abstract: Artificial intelligence (AI), machine learning (ML) and large-scale data analysis (also sometimes known as ‘Big Data’) are a set of technologies and techniques that are having an ever-increasing impact. In this paper, we examine the specific use case of providing credit to small and medium-sized enterprises (SMEs). This paper provides some background into the underlying business problem and the techniques themselves and gives examples of how AI and ML can be applied to this area and the benefits that can arise when this is done.

Keywords: SME; lending; credit; artificial intelligence; AI; machine learning; data; analytics (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2019
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Persistent link: https://EconPapers.repec.org/RePEc:aza:jdb000:y:2019:v:4:i:2:p:111-118

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