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The Application of Alternative Data in Credit Scoring

In: Proceedings of the International Workshop on Navigating the Digital Business Frontier for Sustainable Financial Innovation (ICDEBA 2024)

Author

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  • Xuanrui Zhang

    (University of Minnesota, College of Liberal Arts)

Abstract

This paper mainly combs the ideas and methods of various researches on the application of alternative data in credit scoring and classifies, summarizes and summarizes the research results, so as to provide more comprehensive information for the current researches on this subject and clearer research direction in the future. Using the literature review method, this paper mainly summarizes the relevant researches on the application of alternative data in credit scoring into three aspects: Application of digital footprint, Application of telecommunications data source, and Assessing credit through social networks data, and the important role and feasibility of alternative data in credit scoring. In addition, by sorting out relevant literature, the advantages and disadvantages of each study and the model itself are found, hoping to provide scholars with a more comprehensive understanding of this topic, and provide ideas and research directions for subsequent research by pointing out the shortcomings of current research and application.

Suggested Citation

  • Xuanrui Zhang, 2025. "The Application of Alternative Data in Credit Scoring," Advances in Economics, Business and Management Research, in: Junfeng Lu (ed.), Proceedings of the International Workshop on Navigating the Digital Business Frontier for Sustainable Financial Innovation (ICDEBA 2024), pages 789-794, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-652-9_84
    DOI: 10.2991/978-94-6463-652-9_84
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