Person holding a smart phone.

Assessing loan applicants' credit risk via smartphone activities helps improve financial inclusion, finds study

An ASU information systems expert discusses using financial technology to promote financial sustainability and inclusion.

In this story published Dec. 12, 2023, on

Our study is the first to investigate the economic value of alternative data, and it is among the first to identify different types of alternative data that contribute to improving financial inclusion in the microloan industry.

Tian Lu, assistant professor of information systems

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