krediide
Krediide is a term used in digital finance to describe a proposed approach to assessing creditworthiness that blends traditional credit data with consumer-provided ideation signals to influence loan decisions.
The name is a portmanteau of 'credit' and 'idea', reflecting its emphasis on aligning financial risk with
Technically, krediide would rely on machine learning to fuse these data streams into a decision support score.
Origin and status: the concept has circulated mainly in fintech research and pilot programs in the 2020s,
Supporters argue that integrating intent signals could broaden access to credit for borrowers with thin credit
See also credit scoring, alternative data, fintech, AI ethics.