AI system
- System
-
Adaptive credit-threshold optimization model
- Model
-
Not assessed
- Release
-
Not assessed
- Provider
-
Not assessed
- Role
-
Not assessed
- Configuration
-
Not assessed
- Inputs and outputs
-
Not assessed
- Autonomy
-
Not assessed
- Workflow
-
Conditions that could produce the benefit are unspecified.
- Human oversight
-
Not assessed
- Relation to AI
-
The project account does not separately evaluate AI’s contribution to the benefit.
- AI contribution
-
Not assessed
Benefits
- Outcome identifiers
-
Not assessed
- Benefit
-
VIT researchers propose dynamic credit-scoring thresholds for subprime lending. Tests use synthetic simulations; real borrowing and lending benefits are not reported.
- Category
-
Increased Inclusion
- Status
-
Intended benefit
- Beneficiary groups
-
People. Organizations.
- Beneficiaries
-
Not assessed
- Reach
-
Not assessed
- Distribution and access
-
Not assessed
- Duration
-
Not assessed
- Expected?
-
Yes
- Costs and harms
-
Not assessed
Measurement
- Studies
-
Not assessed
- Study design
-
Not assessed
- Measurement
-
Not assessed
- Setting and sample
-
Not assessed
- Measures
-
Not assessed
- Comparison
-
Not assessed
- Results
-
Not assessed
- Additional value from AI
-
Not assessed
- Limitations
-
Not assessed
- Denominators
-
Not assessed
- Materials for replication
-
Not assessed
Money
- Kind of value
-
Not assessed
- Amount
-
Not assessed
- Currency and prices
-
Not assessed
- Period and unit
-
Not assessed
- Realization
-
Not assessed
- Recipients and payers
-
Not assessed
- Gross or net
-
Not assessed
- Included costs
-
Not assessed
- Comparison
-
Not assessed
- Method
-
Not assessed
- Return and payback
-
Not assessed
People and places
- Participants
-
Not assessed
- Jurisdictions
-
Not assessed
- Ownership and control
-
Not assessed
- Dependencies
-
Not assessed
- Cross-border connections
-
Not assessed
- Geopolitical implications
-
Not assessed
Follow-up
- Conditions for replication
-
Synthetic borrower and economic data for the described simulations.
- Replication attempts
-
Not assessed
- Later findings
-
Not assessed
- Availability
-
Not assessed
- Institutional decision
-
Not assessed
- Grounds
-
Not assessed
- Action and result
-
Not assessed
- Success criterion
-
Not assessed
Evidence
- Source numbers
-
AIBD-0494-source-0001
- Citations
-
Numbered references below.
- Language
-
Not assessed
- Source relationships
-
Developer
- Original evidence
-
Not assessed
- Access and versions
-
Not assessed
- Supported findings
-
Not assessed
- Evidence links
-
Not assessed
- Evidence strength
-
Not assessed
- Missing evidence
-
Not assessed
Grades
- Assessed benefits
-
People. Organizations.
- Depth
-
Not assessed
- Reasons
-
People: Rural and subprime borrowers are intended to gain appropriate credit access. Organizations: Lenders are intended to improve lending decisions and profitability; no real lending outcome is supplied.
- Observed or intended
-
Intended benefit
- Rubric
-
Not assessed
- Assessor and date
-
Not assessed
- Alternative assessments
-
Not assessed
- Fill
-
The makers' claim
Entry details
- Kind
-
Not assessed
- Related entries
-
Not assessed
- Field
-
Finance.
- Purpose
-
Adjust credit decisions to changing economic conditions and borrower circumstances.
- Dates
-
Source information as of: June 2025. Updated: 22 October 2026.
- Stage
-
Not assessed
- Version
-
SHA-256: a90cfdff46d4…
References
- Other identifiers
-
ITU AI for Good: Innovate for Impact (2025). ITU-111.
- Category mappings
-
Not assessed
- Brief
-
Not assessed
- Revisions
-
1 revisions. Latest: 22 October 2026.