Super-app behavioral patterns in credit risk models: Financial, statistical and regulatory implications
作者：
Highlights：
• Super-apps alternative data captures information that a traditional bureau does not.
• Super-apps data contributes to financial inclusion and credit assessment.
• Statistical and financial performance of credit models improves with alternative data.
• Regulators should encourage the use of alternative data with an effective supervision.
摘要
•Super-apps alternative data captures information that a traditional bureau does not.•Super-apps data contributes to financial inclusion and credit assessment.•Statistical and financial performance of credit models improves with alternative data.•Regulators should encourage the use of alternative data with an effective supervision.
论文关键词：Fintech,Super-app,Credit sscoring,Financial inclusion,Alternative data
论文评审过程：Received 8 May 2020, Revised 25 July 2020, Accepted 8 December 2020, Available online 24 December 2020, Version of Record 5 January 2021.
论文官网地址：https://doi.org/10.1016/j.eswa.2020.114486
