{"id":"https://openalex.org/W4226264672","doi":"https://doi.org/10.2139/ssrn.4057986","title":"The Role of Financial Regulators in the Governance of Algorithmic Credit Scoring","display_name":"The Role of Financial Regulators in the Governance of Algorithmic Credit Scoring","publication_year":2022,"publication_date":"2022-01-01","ids":{"openalex":"https://openalex.org/W4226264672","doi":"https://doi.org/10.2139/ssrn.4057986"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.4057986","doi":"https://doi.org/10.2139/ssrn.4057986","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4057986","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"SSRN Electronic Journal","raw_type":"journal-article"},"volume":null,"type":"preprint","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.4057986","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5029053585","display_name":"Nydia Remolina","orcid":"https://orcid.org/0000-0003-3356-6089","observed_orcids":["https://orcid.org/0000-0003-3356-6089"]},"institutions":[{"id":"https://openalex.org/I79891267","display_name":"Singapore Management University","ror":"https://ror.org/050qmg959","country_code":"SG","type":"education","lineage":["https://openalex.org/I79891267"]}],"countries":["SG"],"is_corresponding":true,"raw_author_name":"Nydia Remolina","raw_affiliation_strings":["Singapore Management University - Centre for AI & Data Governance, 55 Armenian Street, Singapore, Singapore","Singapore Management University - Yong Pung How School of Law, 55 Armenian Street, Singapore, 179943, Singapore","Singapore Management University - Centre for AI & Data Governance","Singapore Management University - Yong Pung How School of Law"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Singapore Management University - Centre for AI & Data Governance, 55 Armenian Street, Singapore, Singapore","institution_ids":["https://openalex.org/I79891267"]},{"raw_affiliation_string":"Singapore Management University - Yong Pung How School of Law, 55 Armenian Street, Singapore, 179943, Singapore","institution_ids":["https://openalex.org/I79891267"]},{"raw_affiliation_string":"Singapore Management University - Centre for AI & Data Governance","institution_ids":["https://openalex.org/I79891267"]},{"raw_affiliation_string":"Singapore Management University - Yong Pung How School of Law","institution_ids":["https://openalex.org/I79891267"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5029053585"],"corresponding_institution_ids":["https://openalex.org/I79891267"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":12,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13364","display_name":"Digitalization, Law, and Regulation","score":0.3734999895095825,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13364","display_name":"Digitalization, Law, and Regulation","score":0.3734999895095825,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.3292999863624573,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.2605000138282776,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/algorithmic-credit-scoring","display_name":"algorithmic credit scoring","score":1.0},{"id":"https://openalex.org/keywords/financial-regulation","display_name":"financial regulation","score":0.9139999747276306},{"id":"https://openalex.org/keywords/consumer-financial-protection","display_name":"financial consumer protection","score":0.7319999933242798},{"id":"https://openalex.org/keywords/alternative-data","display_name":"alternative data","score":0.5640000104904175},{"id":"https://openalex.org/keywords/financial-exclusion","display_name":"financial exclusion","score":0.6399999856948853},{"id":"https://openalex.org/keywords/regulatory-arbitrage","display_name":"regulatory arbitrage","score":0.9150000214576721},{"id":"https://openalex.org/keywords/algorithmic-transparency","display_name":"algorithmic transparency","score":0.503000020980835},{"id":"https://openalex.org/keywords/open-finance","display_name":"open finance","score":0.8519999980926514},{"id":"https://openalex.org/keywords/data-portability","display_name":"data portability","score":0.921999990940094},{"id":"https://openalex.org/keywords/access-to-finance","display_name":"access to finance","score":0.7129999995231628},{"id":"https://openalex.org/keywords/ai-governance","display_name":"AI governance","score":0.6970000267028809},{"id":"https://openalex.org/keywords/credit-evaluation","display_name":"creditworthiness assessment","score":0.7670000195503235}],"concepts":[{"id":"https://openalex.org/C39389867","wikidata":"https://www.wikidata.org/wiki/Q380767","display_name":"Corporate governance","level":2,"score":0.6488473415374756},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5416934490203857},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.4599437415599823},{"id":"https://openalex.org/C510755694","wikidata":"https://www.wikidata.org/wiki/Q281095","display_name":"Financial regulation","level":2,"score":0.45350411534309387},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.41808193922042847},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.33123552799224854}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.2139/ssrn.4057986","doi":"https://doi.org/10.2139/ssrn.4057986","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4057986","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"SSRN Electronic Journal","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.2139/ssrn.4057986","doi":"https://doi.org/10.2139/ssrn.4057986","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4057986","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"SSRN Electronic Journal","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.4000000059604645}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":47,"referenced_works":["https://openalex.org/W1597255218","https://openalex.org/W1880062428","https://openalex.org/W2051455168","https://openalex.org/W2109983206","https://openalex.org/W2119858750","https://openalex.org/W2168123127","https://openalex.org/W2529209888","https://openalex.org/W2601882761","https://openalex.org/W2603785580","https://openalex.org/W2765204106","https://openalex.org/W2766297065","https://openalex.org/W2770743945","https://openalex.org/W2790025105","https://openalex.org/W2896796252","https://openalex.org/W2899579542","https://openalex.org/W2929399345","https://openalex.org/W2964256806","https://openalex.org/W2969825720","https://openalex.org/W2979417040","https://openalex.org/W2994929020","https://openalex.org/W2999331643","https://openalex.org/W3036614677","https://openalex.org/W3105995047","https://openalex.org/W3120407253","https://openalex.org/W3122783240","https://openalex.org/W3123374861","https://openalex.org/W3125439512","https://openalex.org/W3150272442","https://openalex.org/W3159804081","https://openalex.org/W3163872933","https://openalex.org/W3197940319","https://openalex.org/W3198755449","https://openalex.org/W4210608839","https://openalex.org/W4220775025","https://openalex.org/W4288498496","https://openalex.org/W4309543115","https://openalex.org/W4385334575","https://openalex.org/W4387137403","https://openalex.org/W4387533074","https://openalex.org/W4390229867","https://openalex.org/W4390421331","https://openalex.org/W4401798928","https://openalex.org/W4403057995","https://openalex.org/W4404172587","https://openalex.org/W4404894015","https://openalex.org/W4407010861","https://openalex.org/W4408019511"],"related_works":["https://openalex.org/W3000476589","https://openalex.org/W6983724625","https://openalex.org/W4366496816","https://openalex.org/W3176139126","https://openalex.org/W3107699519","https://openalex.org/W6979790004","https://openalex.org/W6981131908","https://openalex.org/W7111984080","https://openalex.org/W4404346217","https://openalex.org/W7163551856"],"abstract_inverted_index":null,"counts_by_year":[{"year":2026,"cited_by_count":3},{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2022-05-05T00:00:00"}
