Abstract
AbstractThis study aims to provide economic insights to enhance the implementation of financial inclusion policies by advancing credit analytics through financial digital transformation. To this end, we examine whether integrating financial analytics innovation with large‐scale financial data can boost the effectiveness of financial inclusion policies and ultimately contribute to better economic outcomes for financially vulnerable individuals. According to our analysis, the government funding program of KRW 200 billion (approximately USD 155 million) can potentially assist an additional 46.56% of financially excluded individuals in South Korea who struggle to obtain loans due to their current credit ratings.
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