Fairness in Algorithmic Decision Systems: A Microfinance Perspective

This Working Paper is the first paper resulting from a research project on “Strengthening Financial Inclusion through Digitalization: (SFIDE). The project aims to investigate the potential of technological and financial innovation to increase the efficiency of the inclusive finance sector, through the identification and promotion of best practices.

The paper discusses fairness in AI-enabled credit-scoring systems. By means of a case study, focusing on a European non-profit microfinance organization, it unveils the typical challenges associated with implementing fairness principles in practice.


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Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them.