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.
Keywords
For the full publication, please contact the author directly at: onyenmavictor4real@gmail.com
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Institutions
- School of Health Information Mgt (Uch, Ibadan), Oyo State 5
- School of Health Information Mgt, Oau Teaching Hospital, Ile-Ife, Osun State 30
- Skyline University Nigeria, Kano, Kano State 2
- Sokoto State University, Sokoto, Sokoto State 43
- St. Albert The Great Major Seminary, Abeokuta. (affl. To University of Benin) 1
- Sule Lamido University, Kafin Hausa, Jigawa State 4
- Tai Solarin University of Education, Ijagun, Ogun State 19
- Tansian University, Oba, Anambra State 1
- Taraba State University, Jalingo, Taraba State 32
- Temple-Gate Polytechnic, Osisioma, Abia State 1