PreprintCited by 27Ethics and Social Impacts of AIFinancial Distress and Bankruptcy PredictionExplainable Artificial Intelligence (XAI)

The Fairness of Credit Scoring Models

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Hurlin, Christophe, Perignon, Christophe, Saurin, Sébastien·2021·SSRN Electronic Journal

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Crossref · 10.2139/ssrn.3785882

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96 of 96 references verified0 citation errors · 0 not checkable

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  • AI fairness is applied with bias migration strategies to counteract bias in credit-scoring models and ensure equitable access to loans and credit opportunities for all individuals.

    “To counteract bias in credit-scoring models and ensure equitable access to loans and credit opportunities for all individuals, AI fairness is applied with bias migration strategies [287,288].”

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Cites

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Research works printed but not linked: 4

  1. Bartlett, R. P., Morse, A., Wallace, N., and Stanton, R. (2021). Algorithmic Accountability: A Legal and Economic Framework. Berkeley Technology Law Journal , 36(3):675-736.
  2. Berg, T., Fuster, A., and Puri, M. (2023). FinTech Lending. Annual Review of Financial Economics , 14(1):187-207.
  3. Cowgill, B. and Tucker, C. E. (2020). Algorithmic Fairness and Economics. SSRN Electronic Journal .
  4. Mayson, S. G. (2019). Bias In, Bias Out. The Yale Law Journal , 128(8):2218-2300.

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Authors
Hurlin, C., Perignon, C., & Saurin, S.
Affiliations
Université d'Orléans (FR)
Venue
SSRN Electronic Journal
Publisher
Elsevier BV
Published
2021
ISSN
1556-5068 (ISSN-L)
OpenAlex
W3134370295
Cited by
26
References
93
Citations by year
2026: 2 · 2025: 4 · 2024: 9 · 2023: 5 · 2022: 6
Type
posted content
Language
en
Open access
Locations
  • SSRN Electronic Journal (publishedVersion)
  • RePEc: Research Papers in Economics (submittedVersion)
  • arXiv (Cornell University) (submittedVersion, cc-by)
  • HAL (submittedVersion)
Funders
Agence Nationale de la Recherche (ANR-21-CE26-0007)
Topics
  • Social Sciences › Safety Research › Ethics and Social Impacts of AI
  • Social Sciences › Business, Management and Accounting › Accounting › Financial Distress and Bankruptcy Prediction
  • Physical Sciences › Computer Science › Artificial Intelligence › Explainable Artificial Intelligence (XAI)
Keywords
algorithmic fairness, credit scoring, credit risk assessment, protected characteristics, discrimination, fairness-performance trade-off, fairness testing, model interpretability, credit regulation

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