// Hacker Noon · 12 January 2026

AI-Powered Credit Scoring for the Thin File and Informal Economy

The decision to credit someone is being transformed by AI-driven credit scoring. This could be life-changing for thin-file borrowers and those who are in the informal economy. Traditional credit ratings assume that an individual has a bank account, formal financial products and has borrowed a loan o...

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@hacker-noon · Nikhil Kassetty

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