%0 Journal Article
%9 ACL : Articles dans des revues avec comité de lecture non répertoriées par l'AERES
%A Lainez, N.
%A Bui Thi Thu Doia
%A Trinh Phan Khanh
%A Le To Linh
%A To Thu Phuong
%A Pannier Emmanuel
%T Financial inclusion and consumer finance in Vietnam : challenges and approaches to credit scoring
%D 2021
%L fdi:010083455
%G ENG
%J ISEAS Perspective
%@ 2335-6677
%K VIET NAM
%P 9
%U https://www.documentation.ird.fr/hor/fdi:010083455
%> https://horizon.documentation.ird.fr/exl-doc/pleins_textes/2023-08/010083455.pdf
%V 112
%W Horizon (IRD)
%X Consumer finance has grown rapidly in Vietnam 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. Credit scoring technologies have expanded considerably in Vietnam, owing to the production of credit data, technological improvements, and the digitalization of the economy. Consumer lenders continue to face challenges in deploying credit scoring, in particular for verifying applicants' identity and income data, and assessing creditworthiness. Lenders take variegated approaches to data verification and risk assessment, which involve statistical models, machine learning analytics and human discretion. The application of credit scoring in consumer finance raises important technical and policy issues related to effectiveness, miscalculation, data privacy, data protection and cyber security.
%$ 094CONSO