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08/Sep/2025 12:00 PM
The evolution of goals in AI a
All Articles AI Ethics
Forced evolution has been proposed as a possible path to developing artificial general intelligence.
145 Views Read More
08/Sep/2025 12:00 PM
An Age–Period–Cohort Frame
All Articles
The greatest source of failure in portfolio analytics is not individual models that perform
poorly,
151 Views Read More
08/Sep/2025 12:00 PM
Stabilizing machine learning m
All Articles Machine Learning
Machine learning models have been used extensively for credit scoring,
but the architectures employ
147 Views Read More
05/Sep/2025 12:00 PM
Classical and quantum computin
All Articles Climate Risk
Classical and quantum computing methods for estimating loan-level risk distributions
169 Views Read More
03/Sep/2025 12:00 PM
Effective Generative AI Model
All Articles AI Ethics
Effective Generative AI Model Risk Management
221 Views Read More
03/Sep/2025 12:00 PM
A Theory of Borrowers
All Articles
Credit Risk, Adverse Selection, Age-Period-Cohort
Models
184 Views Read More
03/Sep/2025 12:00 PM
Journal of the Operational Res
All Articles IFRS 9 & CECL
The new accounting standards of CECL for the US and IFRS 9 elsewhere require predictions
of lifetim
68 Views Read More
25/Jul/2025 12:00 PM
Scoring AI‐generated policy
All Articles AI Ethics
Scoring AI‐generated policy recommendations with Risk‐Adjusted
Gain in Net Present Happiness
466 Views Read More
25/Jul/2025 12:00 PM
Macroeconomic Adverse Selectio
All Articles Climate Risk
Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk
462 Views Read More
25/Jul/2025 12:00 PM
A survey of machine learning i
All Articles Machine Learning
Machine learning algorithms have come to dominate several industries. After
decades of resistance
513 Views Read More
25/Jul/2025 12:00 PM
Current expected credit loss p
All Articles IFRS 9 & CECL
Current expected credit loss procyclicality: it depends on the model
546 Views Read More
25/Jul/2025 12:00 PM
Instabilities Using Cox Propor
All Articles IFRS 9 & CECL
When the underlying system or process that is being observed is based upon observations versus
age,
502 Views Read More
25/Jul/2025 12:00 PM
When Big Data Isn’t Enough:
All Articles IFRS 9 & CECL
n a world where big data is everywhere, no one has big data relative to the economic cycle. Data vol
531 Views Read More
25/Jul/2025 12:00 PM
Consumer risk appetite, the cr
All Articles Stress Testing
In this paper, we explore the role of consumer risk appetite in the initiation of credit
cycles and
570 Views Read More
23/Jul/2025 12:00 PM
Impacts of Drought on Loan Rep
All Articles Climate Risk
In order to stress test loan portfolios for the impacts of climate change, historical events need to
119 Views Read More
10/Aug/2025 12:00 PM
Creating Unbiased Machine Lear
All Articles Machine Learning
Unintended bias against protected groups has become a key obstacle to the widespread adoption of mac
597 Views Read More
10/Jul/2025 12:00 PM
Stress Testing for Pandemics
All Articles Stress Testing
Given the unfortunate global headlines about coronavirus, lenders are starting to ask about stress t
588 Views Read More
10/Jul/2025 12:00 PM
Normalizing Pandemic Data for
All Articles Climate Risk
The COVID-19 pandemic created abnormal credit risk conditions that did not align well with pre-2020
610 Views Read More
10/Aug/2025 12:00 PM
Solving the Long-Range Forecas
All Articles
In a world where big data is everywhere, no one has big data relative to the economic cycle. Data v
678 Views Read More
08/Sep/2025 12:00 PM
The evolution of goals in AI a
All Articles AI Ethics
Forced evolution has been proposed as a possible path to developing artificial general intelligence.
145 Views Read More
08/Sep/2025 12:00 PM
An Age–Period–Cohort Frame
All Articles
The greatest source of failure in portfolio analytics is not individual models that perform poorly,
151 Views Read More
08/Sep/2025 12:00 PM
Stabilizing machine learning m
All Articles Machine Learning
Machine learning models have been used extensively for credit scoring, but the architectures employ
147 Views Read More
05/Sep/2025 12:00 PM
Classical and quantum computin
All Articles Climate Risk
Classical and quantum computing methods for estimating loan-level risk distributions
169 Views Read More
03/Sep/2025 12:00 PM
Effective Generative AI Model
All Articles AI Ethics
Effective Generative AI Model Risk Management
221 Views Read More
03/Sep/2025 12:00 PM
A Theory of Borrowers
All Articles
Credit Risk, Adverse Selection, Age-Period-Cohort Models
184 Views Read More
03/Sep/2025 12:00 PM
Journal of the Operational Res
All Articles IFRS 9 & CECL
The new accounting standards of CECL for the US and IFRS 9 elsewhere require predictions of lifetim
68 Views Read More
25/Jul/2025 12:00 PM
Scoring AI‐generated policy
All Articles AI Ethics
Scoring AI‐generated policy recommendations with Risk‐Adjusted Gain in Net Present Happiness
466 Views Read More
25/Jul/2025 12:00 PM
Macroeconomic Adverse Selectio
All Articles Climate Risk
Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk
462 Views Read More
25/Jul/2025 12:00 PM
A survey of machine learning i
All Articles Machine Learning
Machine learning algorithms have come to dominate several industries. After decades of resistance
513 Views Read More
25/Jul/2025 12:00 PM
Current expected credit loss p
All Articles IFRS 9 & CECL
Current expected credit loss procyclicality: it depends on the model
546 Views Read More
25/Jul/2025 12:00 PM
Instabilities Using Cox Propor
All Articles IFRS 9 & CECL
When the underlying system or process that is being observed is based upon observations versus age,
502 Views Read More
25/Jul/2025 12:00 PM
When Big Data Isn’t Enough:
All Articles IFRS 9 & CECL
n a world where big data is everywhere, no one has big data relative to the economic cycle. Data vol
531 Views Read More
25/Jul/2025 12:00 PM
Consumer risk appetite, the cr
All Articles Stress Testing
In this paper, we explore the role of consumer risk appetite in the initiation of credit cycles and
570 Views Read More
23/Jul/2025 12:00 PM
Impacts of Drought on Loan Rep
All Articles Climate Risk
In order to stress test loan portfolios for the impacts of climate change, historical events need to
119 Views Read More
10/Aug/2025 12:00 PM
Creating Unbiased Machine Lear
All Articles Machine Learning
Unintended bias against protected groups has become a key obstacle to the widespread adoption of mac
597 Views Read More
10/Jul/2025 12:00 PM
Stress Testing for Pandemics
All Articles Stress Testing
Given the unfortunate global headlines about coronavirus, lenders are starting to ask about stress t
588 Views Read More
10/Jul/2025 12:00 PM
Normalizing Pandemic Data for
All Articles Climate Risk
The COVID-19 pandemic created abnormal credit risk conditions that did not align well with pre-2020
610 Views Read More
10/Aug/2025 12:00 PM
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