世界银行&ICCR：2024年信用风险评估中另类数据的应用研究报告：机遇、风险与挑战（英文版）

Digitalization accelerated by the pandemic has exponentially increased the number and variability of alternative data sources. The stay-at-home requirements during the pandemic forced several business models to be digitized. This helped spur the digitization that had been ongoing pre-pandemic, largely driven by governments as countries sought to leverage the benefits of the digital economy. Advances in technological innovations are also facilitating the development of advanced credit underwri