Isaiah N. Barasa

Survival-Based Modelling of Digital Credit Risk in Commercial Banks

Isaiah N. Barasa, M. M. Kololi & Samson W. Wanyonyi · Asian Journal of Advanced Research and Reports · 2026

The advent of digital credit has made much-needed funds available to a population traditionally regarded as “unbankable”. Both the use of, and demand for, these loans have increased over the past three years and continue to grow. Digital loans are characterised by distinctive fea...

Open access Research Article 10.9734/ajarr/2026/v20i101462

Predictive Modeling of Digital Credit Risk in Commercial Banks Using Machine Learning Algorithms

Isaiah N. Barasa & Samson W. Wanyonyi · Asian Journal of Advanced Research and Reports · 2026

Normally, financial institutions issue loans to customers aiming to recover the repayments within the scheduled time. However  defaults, common with digital credit, cause them significant financial risks. Advancement in technology has created digital loan products. Unfortunately,...

Open access Research Article 10.9734/ajarr/2026/v20i31305