Intelligent Credit Scoring And Loan Approval System Using Behavioral Analytics

Abstract

This Paper Presents An Intelligent Credit Scoring And Loan Approval System Using Behavioral Analytics To Improve The Accuracy And Efficiency Of Loan Approval Decisions. Traditional Systems Rely Mainly On Credit History And Financial Records, Which May Not Fairly Evaluate Users With Limited Credit Background. The Proposed System Uses Machine Learning Techniques To Analyze Applicant Details Such As Income, Loan Amount, Employment Status, Existing Loans, And Behavioral Data From Transaction Patterns And Payment History. A Random Forest Algorithm Is Used To Predict Loan Approval Status And Generate A Credit Score. The System Also Provides Secure Login, Loan Application Processing, Document Upload, And An Admin Dashboard For Verification And Approval. This Approach Improves Decisionmaking, Reduces Manual Effort, Reliability Of Loan Processing

Keywords