https://www.taxtmi.com/news?id=63995 Machine learning is expanding credit access and improving portfolio performance by enabling assessment of thin file and new to credit consumers through richer data and advanced analytics, while generative AI streamlines model documentation and validation. Significant adoption barriers include implementation cost, limited internal expertise, legacy IT constraints, and concerns about model explainability and regulatory compliance, requiring lenders to align governance and infrastructure with ML and GenAI deployment. en-us Mon, 08 Dec 2025 17:46:03 +0530 Mon, 08 Dec 2025 17:46:03 +0530 TaxTMI RSS Generator https://www.taxtmi.com/news?id=63995 Machine learning is expanding credit access and improving portfolio performance by enabling assessment of thin file and new to credit consumers through richer data and advanced analytics, while generative AI streamlines model documentation and validation. Significant adoption barriers include implementation cost, limited internal expertise, legacy IT constraints, and concerns about model explainability and regulatory compliance, requiring lenders to align governance and infrastructure with ML and GenAI deployment. News - Mon, 08 Dec 2025 17:46:03 +0530 https://www.taxtmi.com/news?id=63995