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
- Al-Hikmah University, Ilorin, Kwara State 3
- AL-ISTIQAMAH UNIVERSITY, SUMAILA, KANO STATE 1
- Al-Qalam University, Katsina, Katsina State 5
- Alex Ekwueme Federal University, Ndufu-Alike, Ebonyi State 91
- Alvan Ikoku College of Education, Imo State, (Affl To Univ of Nigera, Nsukka) 11
- Ambrose Alli University, Ekpoma, Edo State 486
- Anambra State College of Health Technology, Obosi, Anambra State 1
- Auchi Polytechnic, Auchi, Edo State 518
- Auchi Polytechnic, Auchi, Edo State. (affl To Nnamdi Azikiwe University, Awka) 3
- Audu Bako College of Agriculture Danbatta, Kano, Kano State 54