Credit risk assessment is one of the most important aspects of financial decision-making processes. This study presents a systematic review of the literature on the application of Artificial Intelligence (AI) and Machine Learning (ML) techniques in credit risk assessment, offering insights into methodologies, outcomes, and prevalent analysis techniques. Covering studies from diverse regions and countries, the review focuses on AI/ML-based credit risk assessment from consumer and corporate perspectives. Employing the PRISMA framework, Antecedents, Decisions, and Outcomes (ADO) framework and stringent inclusion criteria, the review analyses geographic focus, methodologies, results, and analytical techniques. It examines a wide array of datasets and approaches, from traditional statistical methods to advanced AI/ML and deep learning techniques, emphasizing their impact on improving lending practices and ensuring fairness for borrowers. The discussion section critically evaluates the contributions and limitations of existing research papers, providing novel insights and comprehensive coverage. This review highlights the international scope of research in this field, with contributions from various countries providing diverse perspectives. This systematic review enhances understanding of the evolving landscape of credit risk assessment and offers valuable insights into the application, challenges, and opportunities of AI and ML in this critical financial domain. By comparing findings with existing survey papers, this review identifies novel insights and contributions, making it a valuable resource for researchers, practitioners, and policymakers in the financial industry.
The expanding adoption of artificial intelligence systems across high-impact sectors has catalyzed concerns regarding inherent biases and discrimination, leading to calls for greater transparency and accountability. Algorithm auditing has emerged as a pivotal method to assess fairness and mitigate risks in applied machine learning models. This systematic literature review comprehensively analyzes contemporary techniques for auditing the biases of black-box AI systems beyond traditional software testing approaches. An extensive search across technology, law, and social sciences publications identified 22 recent studies exemplifying innovations in quantitative benchmarking, model inspections, adversarial evaluations, and participatory engagements situated in applied contexts like clinical predictions, lending decisions, and employment screenings. A rigorous analytical lens spotlighted considerable limitations in current approaches, including predominant technical orientations divorced from lived realities, lack of transparent value deliberations, overwhelming reliance on one-shot assessments, scarce participation of affected communities, and limited corrective actions instituted in response to audits. At the same time, directions like subsidiarity analyses, human-cent
Rural sub-Saharan Africa faces limited medical access, healthcare worker shortages, and inadequate health information systems. Mobile health (mHealth) technologies offer potential solutions but remain underdeveloped in these settings. This review aims to explore the sociocultural context of mHealth adoption in rural sub-Saharan Africa to support sustainable implementation. A comprehensive Enhancing Transparency in Reporting the Synthesis of Qualitative Research (ENTREQ) search was conducted in databases like PubMed, MEDLINE, and African Journals Online, covering peer-reviewed literature from 2010 to 2024. Qualitative studies of mHealth interventions were included, with quality assessed via the Critical Appraisal Skills Program (CASP) checklist and data synthesized using a meta-ethnographic approach. Out of 892 studies, 38 met the inclusion criteria. Key findings include sociocultural factors like community trust influencing technology acceptance, local implementation strategies, user empowerment in health decisions, and innovative solutions for infrastructure issues. Challenges include privacy concerns, increased healthcare worker workload, and intervention sustainability. While mHealth can reduce healthcare barriers, success depends on sociocultural alignment and adaptability. Future interventions should prioritize community co-design, privacy protection, and sustainable, infrastructure-aware models.
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