Подобряване на оценката на кредитния риск чрез отворено банкиране: предизвикателства и възможности за финансовите институции в България
Improving Credit Risk Assessment through Open Banking: Challenges and Opportunities for Financial Institutions in Bulgaria

Author(s): Dafinka Lazarova
Subject(s): Politics / Political Sciences, Politics, Economy, Business Economy / Management, Economic policy, Financial Markets, Public Finances
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: Open Banking; credit risk; financial technologies; regulatory framework; banking in Bulgaria; financial product personalization
Summary/Abstract: The introduction of Open Banking in Bulgaria offers significant potential for enhancing credit risk assessment methods in the banking sector. Open Banking provides financial institutions with access to richer and more up-to-date financial information, creating opportunities to improve the accuracy and efficiency of risk assessment models. This study examines the role of Open Banking in building better credit models, focusing on the potential benefits of improved customer segmentation and the adaptation of financial products to their specific needs.

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