AI ee Kediska Qoraal-qoritaan ee Credit

Jawaabaha iyo sharraxaadaha waxay soo baxayaan markaad qaadanayso kediska.

1. Waa maxay qaabka AI credit-underwriting ugu horrayn isku dayo inuu saadaaliyo?
   • Suurtagalnimada in deyn-bixiyuhu uu jabin doono
   • Bangigu ugu jecelyahay amaahaha
   • Jihada suuqa saamiyada
   • Dhab ahaan da'da amaahiyaha
2. Waa maxay takoorka wakiilnimada' ee moodooyinka credit?
   • Adeegsiga kaydka kaydiyaha
   • Muuqaal u taagan sifo la ilaaliyo sida jinsiyadda
   • Shaqaalaynta wakiil si aad u codsato amaah
   • Sirin xogta macaamiisha
3. What does an adverse-action notice communicate to a credit applicant?
   • A guarantee of future loan approval
   • A credit score that proves discrimination
   • That the creditor took an adverse action on the credit application
   • A list of every variable in every model
4. Yaa AI hoos u qori kara ayaa caawin kara in buundooyinka dhaqameedku ay inta badan diidaan?
   • Kaliya amaah-bixiyeyaasha ugu qanisan
   • Bangiyada laftooda
   • Maamulayaasha dawladda
   • Codsadayaasha 'Faylka khafiifka ah' ee leh taariikh deymo dhaqameed yar
5. Waa maxay sababta aaladaha sida SHAP loogu isticmaalo qoraal-qoritaan?
   • In loo nisbeeyo go'aanka astaamo gaar ah oo sharraxaad ah
   • Si loo dedejiyo internetka
   • Si loo dejiyo heerka dulsaarka ugu sarreeya
   • Si loo ogaado fayraska kombiyuutarka
6. Waa maxay xiisadda udub-dhexaadka u ah adeegsiga xog badan oo hoos u dhigista?
   • Xog badan ayaa had iyo jeer hoos u dhigta saxnaanta
   • Xog badan ayaa hagaajin karta saxsanaanta laakiin waxa laga yaabaa inay qariso takoorka
   • Xogtu waa sharci darro in la isticmaalo
   • Xogtu waxay ka dhigaysaa deymaha bilaash
7. When a creditor supplies a statement of reasons under Regulation B, what must those reasons describe?
   • A generic statement that an algorithm denied credit
   • A complete source-code listing
   • Specific principal reasons that accurately describe factors actually used in the decision
   • A promise that the applicant will later be approved
8. Why can an alternative-data source raise fairness questions in underwriting?
   • It is always illegal to use any nontraditional data
   • It guarantees a higher credit score
   • It eliminates the need for validation
   • It may act as a proxy for protected characteristics or reflect uneven coverage