International Journal of Multidisciplinary Research and Growth Evaluation  |  ISSN (Online): 2582-7138  |  Double-Blind Peer Review  |  Open Access  |  CC BY 4.0

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     2026:7/3

International Journal of Multidisciplinary Research and Growth Evaluation

ISSN (Online): 2582-7138 | Open Access

Developing an Advanced Machine Learning Decision-Making Model for Banking: Balancing Risk, Speed, and Precision in Credit Assessments

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Volume: 5 | Issue: 1 | Pages: 1567-1581

Subject: Engineering

Country: United States

DOI: https://doi.org/10.54660/IJMRGE.2024.5.1.1567-1581

License: CC BY 4.0

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Abstract

The banking industry faces significant challenges in balancing risk, speed, and precision when assessing creditworthiness. Traditional credit assessment methods often rely on rigid scoring systems that fail to adapt to dynamic market conditions, resulting in inefficiencies and heightened risks. This study focuses on developing an advanced machine learning (ML) decision-making model tailored for credit assessments in banking. By leveraging ML algorithms, the proposed model aims to enhance predictive accuracy, optimize decision-making speed, and mitigate risks associated with loan approvals and defaults. The research introduces a hybrid framework that integrates supervised learning techniques, such as gradient boosting and neural networks, with unsupervised learning methods for anomaly detection and clustering. These approaches enable the model to analyze large volumes of structured and unstructured data, including financial records, transaction histories, and behavioral patterns, to generate precise credit risk assessments. The model also incorporates explainable AI (XAI) techniques to ensure transparency and regulatory compliance, addressing a critical barrier to ML adoption in banking. Key findings highlight the model’s superior performance compared to traditional methods, achieving higher predictive accuracy, faster processing times, and improved risk management. Case studies from pilot implementations demonstrate its effectiveness in reducing non-performing loans, identifying high-risk borrowers, and enhancing customer experience through personalized credit offers. Furthermore, the research underscores the importance of robust data governance, algorithmic fairness, and cybersecurity in ensuring the reliability and ethical use of ML in banking. The proposed model provides a scalable and adaptable solution for banks to meet the evolving demands of modern financial ecosystems. By integrating real-time analytics and advanced decision-making capabilities, the model not only enhances operational efficiency but also supports long-term financial stability. This study contributes to the growing body of knowledge on artificial intelligence in financial services, offering actionable insights for financial institutions aiming to modernize their credit assessment processes.

How to Cite This Article

Enoch Oluwabusayo Alonge, Nsisong Louis Eyo-Udo, Ubamadu Bright Chibunna, Andrew Ifesinachi Daraojimba, Emmanuel Damilare Balogun, Kolade Olusola Ogunsola (2024). Developing an Advanced Machine Learning Decision-Making Model for Banking: Balancing Risk, Speed, and Precision in Credit Assessments . International Journal of Multidisciplinary Research and Growth Evaluation (IJMRGE), 5(1), 1567-1581. DOI: https://doi.org/10.54660/IJMRGE.2024.5.1.1567-1581

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Publication Information

Journal: International Journal of Multidisciplinary Research and Growth Evaluation (IJMRGE)

Publisher: Anfo Publication House

ISSN: 2582-7138 (Online)

Frequency: Bimonthly

Language: English

Open Access: Yes - This article is distributed under the terms of the Creative Commons Attribution 4.0 International License

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