1,721,001 research outputs found
Using AI to assess credit risk; developing a model
No full textThe article presents the results of the analysis which was conducted to develop a credit assessment model for SMEs and individuals based on AI and using the incremental information coming from PSD2. The AI models developed address areas of business that have been wary of algorithms and AI. The focus was on developing models with high accuracy as well as understandability. The article shows that that ML can improve credit selection decisions compared to linear models without reducing transparency. PSD2 data were also used to outline individuals’ consumption lifestyle. This research both
improves credit assessment and offers a way to give consumers advice because it allows banks to suggest changes to customers’ expense patterns that could improve their creditworthiness. Finally, the development of
an affordability model based on a ML algorithm to find patterns in financial
or lifestyle Key Performance Indicators (KPI) to define instalments that make
a loan sustainable is recommended
Il manuale del credito al consumo
No full textIl volume analizza il mercato del credito al consumo e le principali modalità di gestione di tale attività
Gli intermediari finanziari: struttura e strategia
No full textIl contributo analizza i modelli di business e la struttura del lato dell'offerta del mercato del credito al consum
Financial Education in times of digitalization and FinTech (r)evolution
No full textFinTech and digitalization in finance is rapidly growing in Italy and in Europe, and, in general, everywhere in the world. Fintech is a composite and complex world. It brings important benefits because it is simple, easy to use and especially ideated for (retail) customers/consumers. But it is also not always transparent, not always regulated, not always resilient. If the ease in the access of financial services faces a low level of financial education and if the user of the services is not put in the condition to understand the product or to have all the relevant information regarding the service it is about to use, risks for the investors and consumers increase. For these reasons financial education is needed now more than ever
How financial decisions are affected by financial literacy levels, behavioral aspects and individual propensities: an empirical analysis of Italian young adult
No full textIl mercato del credito al consumo: la domanda di credito al famiglie
No full textIl contributo analizza le determinanti della domanda di credito al consumo delle famiglie, attraverso un'analisi dei singoli segmenti di clientela e un'analisi comparata fondata sui dati delle survey prodotte dalle banche centrali europee sul comportamento finanziario delle famigli
Banks’ Risk Culture in Residential Mortgage and Cross-Selling Policies: Evidence from the Euro Area
No full textA specific case study on cultural differences among bank business models is provided by Umberto Filotto, Claudio Giannotti, Gianluca Mattarocci, and Xenia Scimone in Chap. 12 “Risk culture in different
bank business models: the case of real estate financing”. The research focuses on the relevance of cross selling to lenders exposed to the residential mortgage market. The analysis of the lending industry during
the financial crisis scenario is a useful stress test for evaluating the business model reaction driven by corporate culture. The authors compare trends in cross selling and real estate loans for a representative set of European banks and show that some banking features, including size and real estate loan specialization, may affect the link between residential real estate loans and cross selling
Concorrenza, stabilità trasparenza e riassetto del settore bancario: principi normativi e ruolo delle autorità
No full textIl processo di regolamentazione del sistema bancario ha avuto negli ultimi venti anni finalità articolate, alcune delle quali classiche (stabilità, concorrenza) altre legate alla necessità di riassetto dell'industry
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