How can consumers without credit history benefit from the use of information processing and machine learning tools by financial institutions?

@article{braak-2025-consumers, author = {Bjorn van Braak and J\"{o}rg Osterrieder and Marcos Roberto Machado}, title = {{How can consumers without credit history benefit from the use of information processing and machine learning tools by financial institutions?}}, journal = {Information Processing and Management}, volume = {62}, number = {3}, pages = {103972}, year = {2025}, url = {https://doi.org/10.1016/J.IPM.2024.103972}, doi = {https://doi.org/10.1016/J.IPM.2024.103972} }