Scoring kredytowy
1 1 related system
Automated assessment of consumer and business creditworthiness based on tabular data (income, credit history, employment, financial ratios). AI models generate a score used for credit approval, limit setting, interest pricing, or application acceptance. Requires regulatory compliance (ECOA in the US, GDPR and AI Act in the EU) and decision explainability. Tabular foundation models (TabPFN) and classical methods (logistic regression, GBM) are used in parallel.
