Design and Implementation of an Ai-Powered Credit Scoring System for Loan Approval
Student: Victor Onyenma (Project, 2025)
Department of Computer Science
Nigeria Army Institute of Tech and Environmental Studies,makurdi,benue State
Abstract
This project introduces an AI-Powered Credit Scoring System to improve financial inclusion in Nigeria, addressing the exclusion of over 38 million unbanked or underbanked adults due to traditional credit scoring limitations. Utilizing alternative data (e.g., mobile usage, utility payments, transactions), the system employs the XGBoost algorithm for real-time credit assessments. It is implemented with React.js for the interface, Python (Flask) for the backend, and PostgreSQL for data management, featuring a web platform and mobile app.
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For the full publication, please contact the author directly at: onyenmavictor4real@gmail.com
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Institutions
- Mohammed Lawan College of Agriculture, Maiduguri, Borno State 12
- Moshood Abiola Polytechnic, Abeokuta, Ogun State 7
- Nasarawa State University, Keffi, Nasarawa State 10
- Niger Delta University, Wilberforce Island, Bayelsa State 28
- Niger State College of Education, Minna, (Affl To Usmanu Danfodiyo Uni, Sokoto) 1
- Nigeria Army Institute of Tech and Environmental Studies,makurdi,benue State 1
- Nigeria Maritime University, Okerenkoko, Delta State 2
- Nigerian Army University, Biu, Borno State 3
- Nile University of Nigeria, Abuja 4
- Nnamdi Azikiwe University, Awka, Anambra State 101