Building Artificial Intelligence in Credit Risk: A Commercial Lending Perspective

What will it take for banks to trust artificial intelligence (AI) and machine learning (ML) with judgments about data accuracy and leverage it for commercial lending process automation?  Drawing on recent academic evidence and business insights, this paper provides a contemporary look at what AI and ML adoption could mean for commercial lending and credit risk assessments, shares approaches for adopting AI and ML for each step of the commercial lending process, and presents use cases to help banks start to planning for adoption.