@article{fdi:010083455,
  title = {{F}inancial inclusion and consumer finance in {V}ietnam : challenges and approaches to credit scoring},
  author = {{L}ainez, {N}. and {B}ui {T}hi {T}hu {D}oia and {T}rinh {P}han {K}hanh and {L}e {T}o {L}inh and {T}o {T}hu {P}huong and {P}annier {E}mmanuel},
  editor = {},
  language = {{ENG}},
  abstract = {{C}onsumer finance has grown rapidly in {V}ietnam despite millions of its citizens being unbanked. {A} key prerequisite for boosting consumer finance and financial inclusion is the application of credit scoring technologies in the lending process. {C}redit scoring technologies have expanded considerably in {V}ietnam, owing to the production of credit data, technological improvements, and the digitalization of the economy. {C}onsumer lenders continue to face challenges in deploying credit scoring, in particular for verifying applicants' identity and income data, and assessing creditworthiness. {L}enders take variegated approaches to data verification and risk assessment, which involve statistical models, machine learning analytics and human discretion. {T}he application of credit scoring in consumer finance raises important technical and policy issues related to effectiveness, miscalculation, data privacy, data protection and cyber security.},
  keywords = {{VIET} {NAM}},
  booktitle = {},
  journal = {{ISEAS} {P}erspective},
  volume = {112},
  numero = {},
  pages = {9},
  ISSN = {2335-6677},
  year = {2021},
  URL = {https://www.documentation.ird.fr/hor/fdi:010083455},
}