
Lending & Credit 2025: AI, Open Banking, and Alternative Data Redefine Borrowing for a New Era
The global lending and credit industry is experiencing a radical transformation in 2025, fueled by AI-driven credit scoring, alternative data, and real-time decisioning through open banking. As traditional banks face increasing competition from agile fintechs, the focus has shifted from rigid criteria to inclusive, data-rich, and tech-enabled lending models. AI and Machine Learning Transform Credit…