AI-Driven Credit Risk Architecture and Systematic Flow

Author(s)	Prathap Raghavan
Country	India
Abstract	The regime of credit risk management underwent a transformation with the emergence of artificial intelligence, which has provided powerful tools to evaluate the credit worthiness of borrowers and thus predict and mitigate risks pertaining to financial loss. For the purpose of a research paper, a credit risk architecture based on AI-driven architecture and its systematic flow have been presented. The restrictions of conventional credit risk methods will be addressed and replaced with new innovations like machine learning, predictive analytics, and natural language processing. It will also present an end-to-end AI workflow. It will describe automation, real-time decision-making, and improvement in the process. Data quality, regulatory compliance, and ethical issues would be discussed and presented with optimization strategies for AI implementations. Finally, federated learning and blockchain applications-a novelty in the trends of envisioning the future of credit risk management-will be appraised.
Keywords	Credit Risk, Artificial Intelligence, Machine Learning, Predictive Analytics, Financial Technology, Blockchain, Explainable AI
Field	Lainnya
Published In	Volume 5, Issue 3, May-June 2023
Published On	2023-06-19

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International Journal For Multidisciplinary Research