THE POSSIBILITIES OF USING ARTIFICIAL INTELLIGENCE TECHNOLOGIES TO ANALYZE RISKS WHEN CONSIDERING MORTGAGE APPLICATIONS

Borisenko Daniil Dmitrievich, Kovalenko Kleopatra Dmitrievna

The relevance of the work is due to the rapid development of artificial intelligence technologies and their application in the financial sector, including in the mortgage lending process. With the growing volume of mortgage loan applications and the need to improve the quality of decision-making, the task of optimizing the risk analysis associated with issuing loans is becoming urgent. The purpose of the work is to explore the possibilities of using artificial intelligence technologies to analyze risks when considering mortgage loan applications. Within the framework of the study, the issues of the development of intelligent technologies in the banking sector are update, and a model of an intelligent algorithm of an expert system proposed that could assess the creditworthiness of a borrower taking into account various risk factors. The significance of the article lies in the possibility of implementing the proposed model in credit institutions to increase the efficiency of the mortgage lending process and minimize errors in assessing borrowers.

Keywords:Artificial intelligence, automation, banking, decision-making, mortgage lending, expert system.