Psychological Component of Credit Scoring: Analysis of Theoretical and Methodical Problems*

DOI

10.2991/aebmr.k.191225.080How to use a DOI?

Keywords

credit scoring, consumer loan, mortgage loan, gamification, financial culture

Abstract

The article analyses the importance of using psychological data in credit scoring and presents the data on predictors of timely loan repayments. The problems of using psychological data to credit scoring are highlighted: choosing the way to integrate psychological, social and financial characteristics of a borrower, identifying the weight value of various psychological predictors of loan repayment, gamification of psychological testing, considering the options for immersing respondents in virtual gaming reality during testing, providing feedback to borrowers on their test results, and their financial culture development.

Copyright

© 2020, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Andrey N. Demin
AU  - Oksana V. Kireyeva
AU  - Igor A. Pomazan
AU  - Ekaterina I. Zykova
PY  - 2020
DA  - 2020/01/07
TI  - Psychological Component of Credit Scoring: Analysis of Theoretical and Methodical Problems*
BT  - Proceedings of the 5th International Conference on Economics, Management, Law and Education (EMLE 2019)
PB  - Atlantis Press
SP  - 451
EP  - 453
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.191225.080
DO  - 10.2991/aebmr.k.191225.080
ID  - Demin2020
ER  -