Modern Trends in the Modernization of Credit Products of Commercial Banks for Individuals
Keywords:
credit products, modernization of banking products, financial technologies, artificial intelligence in banking, scoring systems, banking innovations, financial inclusion, digital banking, banking business processes, banking competitionAbstract
This article examines modern trends in the modernization of credit products of commercial banks for individuals. The main directions of retail lending transformation are considered and analyzed, including the use of scoring systems and artificial intelligence technologies. Based on the results of the study, proposals for the further modernization of credit products of commercial banks have been formulated.
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