Abstract
The Covid-19 pandemic has changed people's behavior. Artificial Intelligence is made based on big data of people's behavior. Financial institutions use AI in making credit decisions. The AI basis of credit decisions is made based on existing customer Big Data. This customer's Big Data has changed as a result of the Covid-19 pandemic. Changes in Big Data mean that the AI of financial institutions in decision making must be adapted to the new behavior. This study aims to discuss the changing community behavior variables related to the granting of credit approvals. This study uses a qualitative method with a literature review. This study concludes that length of stay, home ownership, occupation, length of work, expense ratio, age, bank account, awareness of fintech, usage of fintech and demographic variables have changed. These variables need to be adjusted as a result of changes in the behavior of the Covid-19 pandemic.
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