Can AI and Better Data Improve Financial Inclusion?, Kate Pender, Fair4AllFinance (#46)
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Can AI and Better Data Improve Financial Inclusion?, Kate Pender, Fair4AllFinance (#46)
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Financial services still make many decisions using a picture of customers that can be incomplete, historic, or built around lives that no longer look typical.
Richer data can help firms see affordability more clearly. The harder question is whether the decision, and the route forward when the answer is no, make sense to the person affected.
On Regulated Digital, Kate Pender, CEO of Fair4All Finance, joined us to explore what happens when financial-services firms use open banking, richer customer data, and AI to make decisions about access to credit.
Better information can reveal income patterns and repayment capacity that a conventional credit file misses. It can also create new risks when customers do not understand why data is being requested, how an automated decision was reached, or what they can do when the process declines them.
Learn more: https://www.mailock.com/blog/ai-data-financial-inclusion