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arXiv research

A locally-built, LLM-digested index of recent arXiv papers in quant finance, geometry/topology, and statistical ML — keyword search served straight from SQLite on this machine.

168,695 papers · 148 categories

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0111 · Oct 201919922001200920172026
3 results for “underbanked”
Credit Risk Estimation with Non-Financial Features: Evidence from a Synthetic Istanbul Datasetcs.LG

Study uses synthetic data to estimate credit risk for underbanked consumers in Istanbul.

problem Estimating credit risk for underbanked consumers lacking formal credit records.
method Created synthetic dataset, used retrieval augmented generation, trained CatBoost, LightGBM, and XGBoost models.
result Alternative financial data improves credit risk estimation, raising AUC by 13%.
Credit RiskUnderbanked ConsumersSynthetic DataCatBoostLightGBM
2025-12-14abs ↗pdf ↗
Super-App Behavioral Patterns in Credit Risk Models: Financial, Statistical and Regulatory Implicationsq-fin.GN

Alternative app data improves credit scoring for underserved borrowers.

problem Improving credit scoring for low-wealth and young individuals.
method Use of alternative data from app-based marketplaces, validated with TreeSHAP method.
result Alternative data sources predict financial behavior better than traditional bureau data.
credit scoringalternative dataapp-based marketplacesTreeSHAPunderbanked
2020-05-09abs ↗pdf ↗