Arjoune Mehdi

Progetto di ricerca
Enhancing sustainable consumption: which role for consumer credit in supporting the sustainable transition?

The project takes as a starting point the fact that, despite the topic of sustainability has been extensively addressed in the literature, there are few studies on the role of banks and financial intermediaries in supporting consumers in the transition towards greater sustainability. The aim of the project is to conduct an in-depth and comprehensive analysis of consumer credit to understand how to develop financial instruments and contracts that are able to better support sustainable consumption expenditures and facilitate the achievement of sustainability goals.

By leveraging on a proprietary dataset, the project will investigate the characteristics of sustainable loans’ applicants and loan features in terms of acceptance, price (interest rate) and default. Moreover, the project will delve into an analysis of processes, specifically aimed at integrating credit scoring and rating models based on machine learning with sustainability.

Pubblicazioni

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