The use of digitalization and technologies in updating credit policy
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https://doi.org/10.5281/zenodo.15279681##semicolon##
credit policy, digitalization, risk management, artificial intelligence, fintech, credit scoring, big data.Аннотация
In the context of rapid digital transformation, the modernization of credit policy has become an essential
requirement for financial institutions. This article examines the theoretical foundations and practical aspects of digitalization
in credit management, highlighting the role of innovative technologies such as artificial intelligence, big data analytics,
and blockchain in assessing creditworthiness and mitigating risks. The research methodology includes comparative
analysis and case studies from selected commercial banks implementing digital credit solutions. The results reveal that
the integration of digital technologies significantly enhances decision-making accuracy, speeds up loan processing, and
improves overall risk management. The article concludes by recommending strategic approaches for banks to adopt
technology-driven credit policy frameworks in alignment with global financial trends
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