Information system assessment of the creditworthiness of an individual
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Date
2022
Authors
Nahirna, Alla
Chumachenko, Oleksandra
Pyechkurova, Olena
Journal Title
Journal ISSN
Volume Title
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Abstract
Nowadays enterprise information systems of banks provide modules for calculating creditworthiness of the
business. Such systems are complex and it is difficult to maintain and develop them. Moreover, it requires the
involvement of large teams. In addition, systems are complicated to change and update in accordance with
changes in current legislation. From another point of view, demand for consumer loans is high, and creating
a separate module for calculating the creditworthiness of an individual is appropriate in case of increasing the
adaptability to changes and updates of the system. Calculating the creditworthiness of an individual is relevant
not only for the banking system, but also for other spheres such as logistics and marketing.
The work describes the created information system for calculating the creditworthiness of an individual,
which calculates the class of the borrower based on data from credit history, credit rating, quality characteristics,
financial indicators of the person and characteristics of the credit transaction.
The use of the Asp.Net Core platform and the Vue.js framework to build a software module that can be
used both independently and easily integrated into other corporate systems is demonstrated.
In this work the major steps of designing and developing the system are described.
Description
У роботі описано створену інформаційну систему розрахунку кредитоспроможності фізичної особи, яка на основі даних із кредитних історій, кредитного рейтингу, якісних характеристик, фінансових показників особи та характеристик кредитної операції обчислює клас позичальника. Продемонстровано використання платформи Asp.Net Core та фреймворку Vue.js для побудови програмного модуля, що може як застосовуватися самостійно, так і просто інтегруватись в інші корпоративні системи.
Keywords
information system, ASP.NET Core, Vue.js, creditworthiness, article, інформаційна система, ASP.NET Core, Vue.js, кредитоспроможність
Citation
Nahirna A. M. Information system assessment of the creditworthiness of an individual / A. Nahirna, O. Chumachenko, O. Pyechkurova // Наукові записки НаУКМА. Комп'ютерні науки. - 2022. - Т. 5. - С. 45-48. - https://doi.org/10.18523/2617-3808.2022.5.45-48