Information asset analysis: credit scoring and credit suggestion

Risk assessment is important for financial institution, especially in loan applications. Some have already implemented their own credit-scoring mechanisms to evaluate their clients’ risk and make decisions based on this indicator. In fact, the data gathered by financial institutions is valuable source of information to create information assets, from which credit-scoring mechanisms can be developed. The purpose of this paper is to, from information assets, create a decision mechanism that is able to evaluate a client’s risk. Furthermore, a suggestive algorithm is presented to better explain and give insights on how the decision mechanism values attributes.