Revolutionizing Retail Credit Risk Management

This whitepaper discusses the comparison between a statistical methodology and the Data-Centric AI approach used by Modulos in retail credit decisions.
The analysis is carried out with two datasets, an error free one, ML ready, and the other closer to real-world data quality with missing values, outliers, and incorrect information.
The results show that the Data-Centric AI methodology delivers net superior results in terms of time and cost-saving, profit increase, losses reduction, and streamlining of the process.