Evolutional trends of retail risk assessment

The article deals with the evolutionary trends of retail risk assessment. The authors present an analysis of the historical perspective on retail banking development and assessment methods. The methods of private entity borrowing capacity assessment are evolving on an ongoing basis due to changes in legislation, the development of information technologies and growing active-bank-operations-related risks. The analysis as conducted by the authors has revealed an evolution of the methods ensuring the enhancement and maintenance of the quality of retail assets. The authors claim that scoring is to be considers with due regard to the significance of the technological component, and dwell on their vision of this definition.