Vol. 11 No. 1 (2025): MOLIYA VA BANK ISHI
Issue Articles

Leveraging Artificial Intelligence and Machine Learning in credit risk management

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  • Kamila Sattarova
Kamila Sattarova
BFA

Published 2025-04-28

Keywords

  • Artificial Intelligence (AI),
  • Machine Learning (ML),
  • credit scoring,
  • default prediction,
  • fraud detection,
  • loan pricing,
  • portfolio management
    • ...More
    Less

How to Cite

Sattarova, K. (2025). Leveraging Artificial Intelligence and Machine Learning in credit risk management. FINANCE AND BANKING, 11(1). Retrieved from https://journal.bfa.uz/index.php/bfaj/article/view/284

Abstract

AI-driven risk management is the solution to many challenges faced by the global banking sector. This research paper examines how to optimize and integrate AI in risk management in commercial banking. AI-driven solutions have helped financial institutions address long-term risk management challenges. Artificial intelligence (AI) and machine learning (ML) are increasingly being employed by the financial services industry to enhance bank credit risk management processes. Traditional credit risk assessment approaches, which rely primarily on static data such as credit ratings and previous financial behavior, frequently fail to account for the complex, dynamic nature of a borrower's risk.

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References

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