Beyond Credit Scores: The Future of Risk Assessment

By Robyn Xu

This book explores how technology, particularly artificial intelligence (AI) and alternative data, is reshaping the way we assess credit risk.

We are witnessing a surge of innovation in frontier and emerging markets, especially across the Middle East, Africa, and South Asia (MEASA), where traditional credit infrastructure is limited, but mobile penetration and digital adoption are soaring.

The book is structured to take you through a comprehensive journey-from foundational financial ratios and cash flow analysis (like DSCR, ROA, and EBITDA) to modern-day AI credit scoring models, regulatory sandboxes, and data ethics.

• Format: Paperback
• Language: English
• ISBN: B0FLCTV6NS
• ISBN13: 9798296642820
• Release Date: August 2025
• Publisher: Independently Published
• Length: 190 Pages
• Weight: 0.58 lbs.
• Dimensions: 0.4" x 6.0" x 9.0"