Author

Tanmay Sen

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#machine learning Preprint Sep 2026

FedIncome: Federated Learning for Income Estimation in Digital Lending Under Data Sovereignty Constraints

FedIncome is introduced, a federated learning framework for income estimation that enables institutions to train a shared model without pooling raw borrower records and improves out-of-time performance across all sample-size groups, with the largest gains for data-scarce clients.

Sultan Amed, Tanmay Sen, Sayantan Banerjee · 0 citations