title: Essence of credit risk and assessment of customers’ creditworthiness when paying off a car loan
abstract: Introduction. The topic is relevant because, with the increasing demand for cars and the growth of car loans in recent years, banks and financial institutions need a more thorough assessment of customers’ creditworthiness. In the highly competitive auto loan market, banks strive to improve their creditworthiness assessment methods to offer more favorable terms to customers. This creates the need for continuous improvement of approaches to credit risk assessment. Modern technologies such as big d
journal: Economic Consultant