Psychological Component of Credit Scoring: Analysis of Theoretical and Methodical Problems*
- 10.2991/aebmr.k.191225.080How to use a DOI?
- credit scoring, consumer loan, mortgage loan, gamification, financial culture
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.
- © 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/).
Cite this article
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 -