2021
DOI: 10.3390/risks9120219
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Drivers of Individual Credit Risk of Retail Customers—A Case Study on the Example of the Polish Cooperative Banking Sector

Abstract: The main aim of the research was to determine the key factors determining the level of credit risk of individual clients (clients in the form of natural persons, excluding companies) on the example of Polish cooperative banks according to the following features: transaction characteristics, socio-demographic characteristics of the customer, the customer’s financial situation, the customer’s history of cooperation with the cooperative bank where they applied for a loan, and the customer’s history of cooperation… Show more

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“…Recent studies in credit risk assessment have emphasized the diverse factors contributing to individual credit risk. Balina and Idasz-Balina [25] examined the drivers of individual credit risk within the cooperative banking sector, highlighting the importance of localized financial conditions. Mhlanga [26] discusses the role of machine learning and artificial intelligence in enhancing financial inclusion in emerging economies through more accurate credit risk assessment.…”
Section: Literature Reviewmentioning
confidence: 99%
“…Recent studies in credit risk assessment have emphasized the diverse factors contributing to individual credit risk. Balina and Idasz-Balina [25] examined the drivers of individual credit risk within the cooperative banking sector, highlighting the importance of localized financial conditions. Mhlanga [26] discusses the role of machine learning and artificial intelligence in enhancing financial inclusion in emerging economies through more accurate credit risk assessment.…”
Section: Literature Reviewmentioning
confidence: 99%