---
title: Alternative Data for Credit Scoring
url: https://www.ml-quant.com/papers/ssrn/4852032/
site: ML-Quant (https://www.ml-quant.com)
updated: 2026-09-26
license: Summaries CC BY 4.0; links go to the original sources
index: https://www.ml-quant.com/llms.txt
identifier: SSRN 4852032
source_url: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4852032
featured: 2024-06-05
citations: unknown
topic: Risk, Credit & Banking
---


# Alternative Data for Credit Scoring

The study shows that retail transaction data can be used to generate credit scores for unbanked individuals, leading to higher credit card approval rates.

- Source: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4852032
- Identifier: SSRN 4852032
- Released: 2024-06-03
- First featured: Quant Letter No. 52 (2024-06-05): https://www.ml-quant.com/issues/2024-06-05/
- Citations (Semantic Scholar): not tracked
- Published in: not yet
- Topic: Risk, Credit & Banking

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