AI를 활용한 디지털 대출의 새로운 가치 창출

This IDC Market Perspective analyzes the impact of AI on digital lending in Asia/Pacific, revealing a transition toward data-centric approaches across the processes and functions in the entire digital lending value chain. A significant emphasis is placed on using alternative data for credit scoring, enabling banks to cater to underserved segments, such as small and medium-sized enterprises (SMEs). Real-world examples, including an automated credit underwriting system and the strategic use of alternative data banks, advise banks to strengthen digital infrastructure and embrace AI for long-term gains in digital lending."These have been a very impressive set of capabilities in digital lending, thanks to the continuous improvement in technology investments particularly around AI. Among all the improvements, the development of speed to decision making is huge. Banks in the region should gear toward a more data-driven approach, automating the credit underwriting to achieve faster loan processing and greater customer satisfaction," says Xiao Liu, research manager, IDC Financial Insights Asia/Pacific.

Executive Snapshot

New Market Developments and Dynamics

• Capabilities of BDA and AI in Lending
  • Implementing an Automated Credit Underwriting System for a Best-In-Class CX
  • Use of Alternate Data in Lending
    • Designing Preapproved Programs for Unsecured Lending with Alternative Data
    • Alternative Credit Scoring Model for Effective SME Lending

Advice for the Technology SUPPLIER

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• Related Research
• Synopsis