Faulty reasons on AI loan denials fell from 11.2% to 2.6% at three banks, data unaudited
A nine-month field study at three anonymized U.S. retail banks, holding between four and twenty-eight billion dollars in assets, tested GUARD, a five-domain governance framework for AI lending. Composite maturity rose from 2.3 to 3.7 on a five-point scale.
International Journal of Business & Management Studies
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