Digital Credit Scoring Dataverse is a curated open-access repository dedicated to advancing AI-driven, ethical, and explainable credit scoring frameworks, especially tailored for thin-file and underserved consumers in rural and semi-urban economies. This Dataverse hosts datasets, synthetic benchmarks, modeling workflows, code scripts, evaluation reports, and domain-specific descriptors that underpin data-driven financial inclusion research. It integrates alternative data sources such as mobile transaction records, digital utility payments, behavioral attributes, and remote sensing proxies for livelihood and risk profiling. Rooted in fairness-aware modeling, multi-task learning, and responsible financial AI, the repository aligns with global mandates such as the World Bank’s Digital Financial Inclusion agenda (2025), IMF guidelines on Responsible AI in Finance, and the UN Sustainable Development Goals. All resources emphasize transparency, reproducibility, and equity in algorithmic decision-making. The repository also includes support materials such as data dictionaries, ethical model cards, usage protocols, and evaluation metrics relevant to creditworthiness prediction and sustainability-linked assessments, including carbon scoring. Keywords: Digital Credit, Credit Scoring, Alternative Data, Thin-File Consumers, Machine Learning, Financial Inclusion, ESG, Explainable AI (XAI), Responsible AI, Fairness in AI, Multi-Task Models, Carbon-Aware Scoring.
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Jun 29, 2025
Shukla, Deepa, 2025, "Replication Data for: Credit Scoring of Thin File Consumers", https://doi.org/10.7910/DVN/EGAIKO, Harvard Dataverse, V1, UNF:6:tIIKPwlCPuBzLVc1RbTvlQ== [fileUNF]
Abstract: This dataset contains synthetic data designed for evaluating machine learning-based credit scoring models for thin-file consumers. It includes borrower profiles with alternative data attributes such as digital payments, utility bills, and behavioral features. This dataset supports research in AI-driven credit risk assessment, fairness aud...
Tabular Data - 49.7 KB - 12 Variables, 500 Observations - UNF:6:tIIKPwlCPuBzLVc1RbTvlQ==
Adobe PDF - 19.2 KB - MD5: b40b4e76a65b6eea1d46fbf0504c9eb1
Python Source Code - 170 B - MD5: 0a3971078fe42091b466607636e054fc
Adobe PDF - 2.1 KB - MD5: d903c671fea4e668630e13c5492529c5
Python Source Code - 86 B - MD5: 465004ec27bdaa1bed4428459f253199
Python Source Code - 79 B - MD5: 303c763fc529241cebcf2529fc35ff0a
Python Source Code - 47 B - MD5: d2797d021d83911a9b53fa2da20a1622
Markdown Text - 120 B - MD5: 4e0d98751e9765c23701482bbf2e847b
Adobe PDF - 1.9 KB - MD5: ff3aae42abd53cb4d41f48a4f6ab31b8
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