Data warehouse model prioritizes loan disbursement for Indian credit lending.
The article discusses how banks and finance companies make decisions about giving out loans. They use a lot of different information to decide who gets a loan and how much. The researchers looked at how in India, people who have paid back loans before are more likely to get loans again, which can be unfair to new customers. They came up with a new way to use data to make fairer decisions about loans, giving priority to customers without a loan history.