Possible Evolutions in AI Models

Rossella Locatelli (), Giovanni Pepe () and Fabio Salis ()
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Rossella Locatelli: University of Insubria
Giovanni Pepe: KPMG Advisory
Fabio Salis: Credito Valtellinese

Chapter Chapter 5 in Artificial Intelligence and Credit Risk, 2022, pp 81-91 from Springer

Abstract: Abstract This chapter describes the possible evolution of AI models in the credit risk of tomorrow, evaluating the Regulatory position with respect to the implementation of such techniques with reference to the credit risk assessment, the position of the players in the market, the evaluative economic and macroeconomic environment. Also, an analysis of the outcomes of the AI models is reported, detailing the main aspects concerning ethics, transparency discrimination and inclusion.

Keywords: Machine learning—ML; Artificial intelligence—AI; Evolution; AI models; Credit risk; Credit risk assessment; Credit risk evaluation; Credit risk estimation; Result; Model outcome; Ethics; Transparency; Discrimination; Inclusion (search for similar items in EconPapers)
Date: 2022
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-031-10236-3_5

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DOI: 10.1007/978-3-031-10236-3_5

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