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Akash Dania

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Conference Open access Oct 2026

Can Artificial Intelligence Improve Credit Decisions? Evidence from Large-Scale Lending Data

This study examines the use of machine learning for predicting default risk within the U.S. Small Business Administration (SBA) 7(a) loan program using publicly available loan-level data obtained through the Freedom of Information Act (FOIA). Using 488,772 resolved loans originated over fifteen fiscal years from FY2010...

Akash Dania · 0 citations

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