journal article Jan 01, 2025

Decentralized Credit Systems: Transforming Financial Inclusion Through On-Chain Behavioral Data

View at Publisher Save 10.2139/ssrn.5336663
Topics

No keywords indexed for this article. Browse by subject →

References
42
[1]
G A Akerlof The market for "lemons": Quality uncertainty and the market mechanism (1970)
[2]
The theory of financial intermediation

Franklin Allen, Anthony M Santomero

Journal of Banking & Finance 1997 10.1016/s0378-4266(97)00032-0
[3]
S Aramonte "DeFi risks and the decentralisation illusion" BIS Quarterly Review (2021)
[4]
S Arya "Anatomy of the credit score" Journal of Economic Behavior & Organization (2019)
[5]
Bankless Dao Research Collective "Reconstructing trust: How on-chain credit scoring redefines financial inclusion" Bankless DAO Research Series (2024)
[6]
S Basly Artificial Intelligence and the Future of Decentralized Finance. Decentralized Finance (2024)
[7]
K P Brevoort "Credit invisibles and the unscored" Journal of Consumer Affairs (2022)
[8]
V Buterin Ethereum: A next-generation smart contract and decentralized application platform (2014)
[9]
D B Canlas "Do small bank deposits run more than large ones? Three event studies of contagion and financial inclusion" Journal of Financial Stability (2025) 10.1016/j.jfs.2025.101417
[10]
Some simple economics of the blockchain

Christian Catalini, Joshua S. Gans

Communications of the ACM 2020 10.1145/3359552
[11]
Chainlysis The 2024 DeFi adoption index: Measuring global usage and growth trends (2024)
[12]
D Charles A Blockchain Solution for Cross-Border Payments. Fintech, and Blockchains Trends in The Financial Sector (2024) 10.2174/9789815256833124010004
[13]
S Corbet "Evaluating a decade of cryptocurrency development: Navigating financial progress through technological and regulatory ambiguity" Cryptocurrency and Blockchain Technology (2020) 10.1515/9783110660807-010
[14]
Defi Pulse DeFi market overview Q2 2024. DeFi Pulse Market Intelligence (2024)
[15]
A Demirg��-Kunt The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19 (2022) 10.1596/978-1-4648-1897-4
[16]
A Franceschi "J. Individual Human Autonomy: The Rule of Law v. the Rules of Smart Technologies and their Inherent Manipulations (Graf von Westphalen)" Digital Revolution -New Challenges for Law (2020) 10.17104/9783406759048-99
[17]
Al Kosba "A Web-based System to Enhance Lecture Interaction: Case Study at Sultan Qaboos University (SQU)" International Journal of Computer Applications (2016) 10.5120/ijca2016908508
[18]
O I Krivosheev "Market Failures and Basic Immanent Non-material Constraints for A Conventional Economic Exchange System" 16th International Conference Management of Large-Scale System Development (MLSD) (2023)
[19]
� Ly�csa "Default or profit scoring credit systems? Evidence from European and US peer-to-peer lending markets" Financial Innovation (2022)
[20]
R K Lyons "What keeps stablecoins stable" Journal of Financial Economics (2022)
[21]
M Malempati "The evolution of credit data and the role of machine learning in modern credit scoring" Deep Science Publishing (2025)
[22]
L Michaels "Credit and collateral in the age of blockchain: Theoretical foundations and empirical evidence" Journal of Financial Technology (2023)
[23]
R Mirdala "Revolutionizing Finance: Decentralized Finance as a Disruptive Challenge to Traditional Finance" Theoretical and Practical Research in Economic Fields (2024) 10.14505/tpref.v15.3(31).02
[24]
S Nakamoto Bitcoin: A peer-to-peer electronic cash system (2008)
[25]
C Ondersma Tackling issues in consumer credit. Discrimination, Vulnerable Consumers and Financial Inclusion (2020)
[26]
R Palvia "Right to privacy in the digital age: addressing challenges in the era of technological advancements" The journal of unique laws and students, iii(i) (2024)
[27]
C T Parker Exemplar Abstract for Altererythrobacter confluentis Park et al. 2016, Allopontixanthobacter confluentis (Park et al. 2016) Liu et al. 2021, Pontixanthobacter confluentis (Park et al. 2016) Xu et al. 2020 and Pseudopontixanthobacter confluentis (2016)
[28]
C T Parker The NamesforLife Abstracts. NamesforLife, LLC
[29]
Y A Qasrawi The Role of Financial Technology Innovations in Strengthening the Digital Finance Services in the Jordanian Banking System. Intelligent Systems, Business, and Innovation Research (2024)
[30]
K Qin "CeFi vs. DeFi -Comparing centralized to decentralized finance" ArXiv (2021)
[31]
A Ramakrishnan "Blockchain-based credit evaluation and transaction tracking systems: Transforming credit inclusivity in microfinance" Journal of Information Systems and Technology Management (2020)
[32]
A Raza Integrating NMR-Based Data with Theoretical Adsorption Models in Methane-Shale Systems (2025)
[33]
J Scharfman Decentralized Finance (DeFi) Compliance and Operations. Cryptocurrency Compliance and Operations (2021)
[34]
2022 IEEE International Solid-State Circuits Conference (ISSCC) (2022)
[35]
P Sharma "Privacy-preserving credit scoring: A zeroknowledge approach for decentralized finance" IEEE Transactions on Blockchain Technology (2024)
[36]
E Suresh "Do Economic Development, Credit, Globalization and Human Capital Reduce Poverty in India? Econometric Evidence from Quantile Regression Approach" Artificial Intelligence (2024)
[37]
The Changing Nature of Financial and Institutional Innovations
[38]
W.-T Tsai Data Assets as Digital Assets in Web3. 2024 IEEE International Conference on Service-Oriented System Engineering (SOSE) (2024)
[39]
H Wang "RFMS Method for Credit Scoring Based on Bank Card Transaction Data" SSRN Electronic Journal (2018)
[40]
Fintech and financial inclusion: Evidence from blockchain-enabled lending platforms (2023)
[41]
T Yang "Digital Financial Inclusion and Enterprise Technological Innovation" Advances in Economics, Management and Political Sciences (2024) 10.54254/2754-1169/73/20231506
[42]
D A Zetzsche "Decentralized finance" Journal of Financial Regulation (2020) 10.1093/jfr/fjaa010
Metrics
1
Citations
42
References
Details
Published
Jan 01, 2025
Cite This Article
Anthony Chidi Nzomiwu (2025). Decentralized Credit Systems: Transforming Financial Inclusion Through On-Chain Behavioral Data. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.5336663
Related

You May Also Like