Advanced Credit Scoring Models Using Dremio And Google Cloud ML: Developing Machine Learning Algorithms That Incorporate Alternative Data Sources To Enhance Credit Scoring Accuracy

Author(s)	Saurabh Gupta
Country	India
Abstract	This study explores the advanced credit scoring models using Dremio and Google Cloud Machine Learning. With regular financial metrics and new data, these algorithms enhance credit ratings. Thematic analysis revealed trends related to credit inclusion, data bias, and model accuracy in secondary data. The findings show that merging data and machine learning technology might improve credit scoring systems' accuracy and accessibility by lowering their dependence on current methods. The findings increase credit risk calculations and facilitate conversations about financial equality. Future studies should tackle social issues and explore the potential applications of these models in other industries and financial systems.
Keywords	Utility payment histories, Social media, mobile phone usage, data bias and financial businesses.
Published In	Volume 4, Issue 3, May-June 2022
Published On	2022-06-20
DOI	https://doi.org/10.36948/ijfmr.2022.v04i03.13936
Short DOI	https://doi.org/g8rgpn

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International Journal For Multidisciplinary Research