Great discussion! I agree with the points raised—evaluating credit scoring models with alternative data demands more than just traditional metrics like AUC. Fairness, transparency, and long-term stability are crucial, especially with model drift being a real concern. It’s encouraging to see growing focus on ethical AI and responsible credit assessment practices. The RiskSeal article is a solid starting point for this conversation

Thanks for sharing this! I completely agree—accuracy alone isn't enough when evaluating modern credit scoring models. Fairness, transparency, and compliance are just as critical, especially with the rise of alternative data. I found the article you mentioned really helpful—it breaks down the challenges and gives a solid framework for assessing effectiveness in real-world scenarios.

That's a great and very timely question. Evaluating credit scoring models that incorporate alternative data definitely adds a new layer of complexity, but also opportunity. In my experience, it's important to consider not just accuracy but also fairness, transparency, and regulatory compliance. If you're looking for a deeper understanding of this topic, I’d recommend reading this article on credit scoring models assessment: https://riskseal.io/blog/how-to-assess-the-effectiveness-of-credit-scoring-models — it offers clear insights into modern evaluation methods and challenges.

Assessing credit scoring models assessment becomes even more critical when alternative data is involved. The article on RiskSeal offers a solid overview, but I believe deeper metrics beyond AUC—like stability over time and fairness analysis—are essential. Has anyone tried evaluating model drift when using non-traditional data sources?

Lending is quite a complex serious issue, you should always know and take into account the credit risks, realize the consequences of late payments on the loan. But our organization is interested in such a question as evaluation of credit scoring models, or rather how to evaluate credit scoring models improved with alternative data. What do you think about this specific question.

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Any updates on this MUST INCLUDE?

Overall I am pleased with the app. I have QuickBooks online for my desktop and use the app when in the field taking and fulfilling orders. I have two issues with the app. First, there is no “credit memo” feature on the app. The desktop version has it. Some of my customers require separate receipts for incoming and outgoing products. I have to login to the desktop version to print a credit memo. Further more, if an employee did he would have access to company banking, personal info, etc. That’s not acceptable.

This is a must!

I agree. This functionality would save me a huge hassle

This would help me drastically. I own a snack food business and am on the go all day long. I use a mobile printer to invoice my customers and fill the orders to fill their shelves in one trip. My problem is when a product expires and I need to issue them a credit I cannot issue them a credit using the app. I have to wait until I am back at the office and then write and print the credit to deliver on a second trip.