Behavioral Financial Signals and Explainable AI in Credit Risk Assessment: Evidence from Utility Arrears and Gambling Activity
Traditional consumer credit scoring models frequently fail to identify rising default risks in transition economies because they rely almost exclusively on formal macroeconomic indicators and unchanging demographic data. This paper offers a preliminary empirical assessment of digital gambling participation and utility...
Shynara Sarkambayeva, Aliya Turegeldinova, Marat Sultangaziyev et al.
· Journal of risk and financia... · 0 citations