Improvement of the system for assessing the creditworthiness of customers in the conditions of remote banking services

Credit rating has long been central to the financial sector due to its role as a mechanism for reducing exposure to credit risk arising from customers in remote banking and information asymmetries between borrowers. by more reliably linking payees to their payment schedules. Collateral also sends a positive signal to creditors, helping to mitigate problems arising from adverse selection and moral hazard. In addition, collateral reduces lenders' exposure to losses, reduces systemic risk, and thus becomes an important factor in assessing the borrower's overall creditworthiness.