The COVID-19 pandemic spread rapidly around the world and is currently one of the most leading causes of death and heath disaster in the world. Turkey, like most of the countries, has been negatively affected by COVID-19. The aim of this study is to design a predictive model based on artificial...

This paper examines the impact of large-scale alternative data on predicting consumer delinquency. Using a proprietary double-blinded test from a traditional lender, we find that the big data credit score predicts an individual’s likelihood of defaulting on a loan with 18.4% greater accuracy...