Within the vast expanse of computerized language processing, a revolutionary entity known
as Large Language Models (LLMs) has emerged, wielding immense power in its capacity to …

In this article, we review the growing literature on financial technology (FinTech) lending—
the provision of credit facilitated by technology that improves the customer–lender …

Hundreds of millions of people in low-income economies do not have a credit or bank
account because they have insufficient credit history for a credit score to be ascribed to …

The past decade has witnessed a phenomenal rise of digital wallets, and the COVID-19
pandemic further accelerated their adoption globally. Such e-wallets provide not only a …

Abstract Information asymmetries are known in theory to lead to inefficiently low credit
provision, yet empirical estimates of the resulting welfare losses are scarce. This paper …

In the rapidly evolving landscape of financial technology (FinTech), big data stands as a
cornerstone, driving significant transformations. This study delves into the pivotal role of big …

Can Cashless Payments Spur Economic Growth? Page 1 Can Cashless Payments Spur
Economic Growth? Tamanna Singh Dubey and Amiyatosh Purnanandam Stephen M. Ross …

This chapter discusses the benefits and drawbacks of using big data and artificial
intelligence (AI) to broaden access to financial services. Increased effectiveness and risk …

Every time we interact with online digital services, we generate large amounts of data that
reveal our shop** habits, social interactions, and much more. We refer to these data …

Purpose The purpose of the study is to identify certain behavioural and psychological traits
of the borrowers which have the tendency to predict the credit risk of the borrowers. And the …