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Artificial Intelligence in loan assessment: How does it work?

ICICI Bank

ICICI Bank

Jan 1, 2020

If you don’t have a credit score, you probably can’t get a loan. At least that’s the standard banks have applied for years when determining whether a potential borrower is trustworthy. Not anymore. AI is being used to find new ways of considering applicants. AI tech can deem you worthy of a loan by assessing your digital presence: your online shopping habits, utility and phone bill payment histories, or even your social media profiles.

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