FinTech: Risk profiling, creditworthiness assessment, network effects in financial behavior Financial exclusion is a crippling social problem in many countries, and the lack of adequate data-backed strategies make it extremely hard for microfinance institutions to operate within acceptable delinquency rates. My collaborators and I work with important microfinance stakeholders in the region to explore novel data-driven approaches of performing creditworthiness assessment using effective, explainable and privacy-preserving methods. Such approaches can empower microfinance institutions in lowering default rates and improving the overall sustainability of microfinance communities, while also contributing to social welfare.
1. Error Tolerance of Big Data based Credit-scoring Models, with Anmol Agarwal, Ishita Mediratta, and Tuan Q. Phan
2. Assessing Peer-effects from Egocentric Borrower Networks: Evidence from an Emerging Micro-lending Community, with Tianhui Tan and Tuan Q. Phan
3. Predictive Power of Online and Offline Behavior Sequences: Evidence from a Micro-finance Context, with Rishabh Mehrotra, Tianhui Tan, and Tuan Q. Phan
4. A Paypal For The Un-Banked: Analyzing Mobile-Based Micro-Cash Transfers in a Large Developing Economy, with Xuesong Lu, Alvaro Gonzalez Rivas, and Tuan Q. Phan