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Paulo Alcarva

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Open access Sep 2026

Algorithmic Fairness as a Risk-Management Problem in Banking and Insurance: Regulatory Frameworks, Model Governance, and Fairness-Aware Credit Scoring

AI-driven credit scoring is supervised as a high-risk application in banking and insurance, yet unfairness is rarely operationalized as a measurable category of model, conduct, legal, and reputational risk. Using 20,000 anonymized applications from a Southern European digital lender (15.2% twelve-month default rate), w...

Paulo Alcarva · 0 citations

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