Who gets the credit? Digitizing psychometric and character-based credit scoring in fintech microlending

This study addresses a critical gap in inclusive finance by developing a framework for digitizing character-based credit assessment in Indonesia's fintech microlending ecosystem. Traditional credit scoring systems have systematically excluded individuals without formal credit histories, particularly in emerging markets where approximately 97.74 million Indonesians remain unbanked. While character-based assessments have proven effective in manual microlending contexts, transforming these qualitat...