How data and AI are changing the way lenders understand borrowers, assess risk and make credit decisions.
The next generation of lending will draw on richer data, more sophisticated models and increasingly intelligent decisioning. This keynote explores what that shift means for underwriting, risk management and the future of credit. A credit score compresses a borrower’s history into a useful signal, but it cannot tell the whole story of a person’s capacity or willingness to repay. New data and analytical methods promise a more current and detailed view, particularly when conventional files are thin or economic conditions change. The challenge is to distinguish information that improves a decision from information that merely makes a model more complicated. This keynote explores how lenders can test new signals, monitor models as borrower behaviour shifts and use greater predictive power without sacrificing explainability or fairness.
Speakers
Harald Schneider
Global Chief Data & Analytics Officer