Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Conference Papers Conference Paper Faculty Publications- Conference Papers Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource IoT-Driven Credit Scoring Models: Improving Loan Decision Making in Banking Subject The topic of the resource Banking analytics; financial inclusion; IoT data in lending; IoT-driven credit scoring; Loan approval optimization; Loan decision-making; Risk assessment Description An account of the resource By the game-changing possibilities of credit scoring models driven by the Internet of Things, this hopes to shed light on how the banking sector may enhance its loan decision-making procedures. Financial organisations are putting more and more faith in Internet of Things technologies to improve their risk assessment and lending processes. These IoT-driven models provide a more accurate and thorough assessment of creditworthiness by including real-time and detailed data on borrowers' activities, spending habits, and asset utilisation. This research examines the practicality and accuracy of Internet of Things (IoT) credit scoring by comparing it to conventional methods, looking closely at case researches, and analysing empirical data. The findings shed light on potential ways to enhance the loan approval and risk prediction procedures while also addressing concerns and considerations related to data privacy, security, and regulatory compliance. It is possible that decision-making frameworks could be altered by IoT-driven credit scoring algorithms, which could lead to a more inclusive and informed lending atmosphere. The contributes to the growing area of banking credit evaluation by showing that these models have promise. 2024 IEEE. Creator An entity primarily responsible for making the resource Thirumagal P.G.; Das T.; Das S.; Vinit Sikka C.S.; Amit Kumar C.S.; Kusuma T. Source A related resource from which the described resource is derived 5th International Conference on Recent Trends in Computer Science and Technology, ICRTCST 2024 - Proceedings, pp. 193-197. Publisher An entity responsible for making the resource available Institute of Electrical and Electronics Engineers Inc. Date A point or period of time associated with an event in the lifecycle of the resource 2024-01-01 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.1109/ICRTCST61793.2024.10578365" target="_blank" rel="noreferrer noopener">https://doi.org/10.1109/ICRTCST61793.2024.10578365</a> <br /><br /><a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85199413840&amp;doi=10.1109%2FICRTCST61793.2024.10578365&amp;partnerID=40&amp;md5=52342c58eb0c6b8a2b32178234259043" target="_blank" rel="noreferrer noopener">https://www.scopus.com/inward/record.uri?eid=2-s2.0-85199413840&amp;doi=10.1109%2fICRTCST61793.2024.10578365&amp;partnerID=40&amp;md5=52342c58eb0c6b8a2b32178234259043</a> Rights Information about rights held in and over the resource Restricted Access Relation A related resource ISBN: 979-835035137-8 Format The file format, physical medium, or dimensions of the resource Online Language A language of the resource English Type The nature or genre of the resource Conference paper Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Thirumagal P.G., VISTAS, Department of MBA, Tamil Nadu, Chennai, India; Das T., Christ University, Department of School of Business Management, Delhi NCR Campus, UP, Ghaziabad, India; Das S., Christ University, Department of School of Commerce, Finance &amp; Accountancy, UP, Ghaziabad, India; Vinit Sikka C.S., School of Leadership and Management, Manav Rachna International Institute of Research and Studies, Department of UG Management Studies, Haryana, Faridabad, India; Amit Kumar C.S., School of Leadership and Management, Manav Rachna International Institute of Research and Studies, Department of UG Management Studies, Haryana, Faridabad, India; Kusuma T., Sree Vidyanikethan Engineering College, Department of Commerce, Andhra Pradesh, Tirupati, India