Credit Scoring for Good: Enhancing Financial Inclusion with SmartphoneBased Microlending Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for the unbanked. In this regard, smartphonebased microlending has emerged as a potential solution to enhance financial inclusion.  :52,propose a methodology to improve the predictive performance of credit scoring models used by these applications. Our approach is composed of several steps, where we mostly focus on engineering appropriate features from the user data. Thereby, we construct pseudosocial networks to identify similar people and combine complex network analysis with representation learning. Subsequently we build credit scoring models using advanced machine learning techniques with the goal of obtaining the most accurate credit scores, while also taking into consideration ethical and privacy regulations to avoid unfair discrimination. A successful deployment of our proposed methodology could improve the performance of microlending smartphone applications and help enhance financial wellbeing worldwide.

Loan Recommendation in P2P Lending Investment Networks: A Hybrid Graph Convolution Approach Low successful rate of loan money has become a significant challenge for P2P Lending platforms. In this paper, we propose a hybrid deep learning algorithm combining strengths of both supervised graph convolution network and unsupervised community discovery, to accurately match the loan requirements and investing lenders on P2P Lending platforms. Our hybrid deep architecture learns predictive node embedding from both local neighborhood information and global structural information through complex investment networks with minimal information loss. We evaluate our method on largescale dataset collected from a realworld P2P platform. Compared with strong baselines, our proposed method provides optimal loan recommendation performance, generates efficient solutions for xe2x80x9cColdStartxe2x80x9d problem and features fast computing speed.