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
- University of Calabar Teaching Hospital School of Health Information Mgt. 1
- University of Calabar, Calabar, Cross River State 247
- University of Ibadan, Ibadan, Oyo State 14
- University of Ilorin, Kwara State 446
- University of Jos, Jos, Plateau State 19
- University of Lagos 21
- University of Maiduguri ( - Elearning), Maiduguri, Borno State 3
- University of Maiduguri, Borno State 110
- University of Nigeria, Nsukka, Enugu State 276
- University of Port Harcourt Teaching Hospital, Port Harcourt , River State 6