International Research Journal of Education and Technology

Using computers to evaluate credit scores is now creating better options to serve people who have limited access to financial services. This study shows how AI changes credit scoring systems including people who did not qualify under traditional banking practices. These modern data processing systems help developers analyze information by studying machine learning patterns and link neural networks with natural language processing to identify new creditworthiness signals. The debate analyzes both benefits and risks of AI credit scoring as it looks at how data security problems impact fairness and needs official regulations to help all people get credit. Financial technology evolves through artificial intelligence integration which brings better ways to access financial services at higher performance and customizations. The financial industry sees significant advancement through AI because this technology can work with large datasets to find patterns and take automated decisions.

Key Words:  AI, Machine Learning, Banking, Cybersecurity, Blockchain, IoT