ARTICLE

Credit Intelligence: A more robust alternative to current commercial loan modeling approaches


Published by the Journal of Digital Banking, the professional journal publishing in-depth, peer-reviewed articles and case studies on FinTech innovation, digital disruption and how to develop a profitable, customer-focused digital banking strategy
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A forward-looking, granular approach to enable better credit outcomes

Most commercial lending is based on a decision-making process and modelling approach largely unchanged by technology. By adopting a data-driven alternative that takes into account the fundamental differences between businesses, lenders are able to make data-driven decisions that will ultimately lead to better credit outcomes.

Access this paper to understand some of the limitations of the current approach to commercial lending and how these can be improved, taking specific note of lessons from the COVID-19 crisis and how this has transformed the future commercial lending landscape.