Thin-file borrowers are customers for whom a creditworthiness assessment is uncertain due
to their lack of credit history. To address missing credit information, many researchers have …

Recently, business sectors have focused on offering a wide variety of services through
utilizing different modern technologies such as super apps in order to fulfill customers' needs …

The massive usage of mobile phones connected to the internet over the last years has
changed the business model of all sort of companies and services around the globe. By …

This chapter aims to draw readers' attention on the challenges of modeling in finance. The
new quantitative methods offer extraordinary capabilities with the latest algorithms using AI …

This dissertation is concerned with three topics within the field of optimal control and
estimation in dynamical agent-based systems, with potential applications that meet both …

This study aimed to categorize consumers using super app functional characteristics to
identify demographic differences, and analyze shop** orientations by consumer type. This …

Financial credit risk scoring is of the utmost importance for credit lenders, a well-designed
risk management strategy allows lenders to make better decisions in terms of collocation of …

Machine Learning based credit risk models are often based on handcrafted features based
on credit history and financial transactions. In this work, we develop a risk model for Equated …

SuperApp implementation has emerged as a game-changing strategy for businesses in the
digital era. These all-in-one platforms integrate multiple services and functionalities within a …

personas alcanzar sus metas como adquirir vivienda, acceder a atención médica y obtener
educación. Además, brinda a los emprendedores y empresas el capital necesario para …