世界银行-信用风险评估中替代数据的使用_机遇_风险和挑战（英）_48页_6mb

Summary

This report highlights the growing use of alternative data in credit risk assessment, which has significantly enhanced access to credit, particularly for unserved populations like thin/thin-file clients and MSMEs. Alternative data (e.g., digital footprints, utility, telco, and e-commerce data) provides real-time insights that improve prediction accuracy, reduce losses, and support portfolio management. However, its adoption faces challenges related to data privacy, discrimination based on proxies, inaccuracies, and lack of specific regulations. While regulatory approaches vary from prescriptive models (e.g., clear data integration in laws like in China or Africa) to innovative platforms like sandboxes, enabling consumer-permissioned sharing and ethical considerations for AI-driven scoring is crucial for responsible expansion. Overall, strategic implementation of alternative data under robust frameworks will revolutionize credit access while mitigating risks tied to economic disparities and system vulnerabilities.