AI-BAAM: AI-Driven Bank Statement Analytics as Alternative Data for Malaysian MSME Credit Scoring

1. 1Collect and preprocess bank statement data from MSMEs
2. 2Apply machine learning algorithms to extract relevant features from the data
3. 3Train a credit scoring model using the extracted features
4. 4Evaluate the performance of the model and compare it to traditional credit scoring methods

Data scientists and credit risk analysts on a team can benefit from this research as it provides an innovative approach to credit scoring for MSMEs, while product managers can apply these findings to develop more inclusive financial products

💡 Alternative data sources like bank statements can enhance credit assessment for newly established businesses

💡 AI-driven bank statement analytics can improve MSME credit scoring in Malaysia