Açıqlama:

l technologies and alternative credit assessment techniques. It discusses the profound impacts of these methods, from improved efficiency and risk management to enhanced customer experience and expanded credit accessibility. The paper also underscores the transformative role of FinTech in driving these innovations and the evolving regulatory landscape necessitated by such advancements. It highlights the improved financial inclusion resulting from these innovations and the potential for sustainable lending. Amid these benefits, the paper underscores challenges related to data privacy, ethical considerations, and regulatory compliance. Finally, it proposes future perspectives, emphasizing the need for banks, customers, and regulators to navigate these challenges effectively for the optimal realization of the benefits of these innovations in lending.