ASSESSMENT OF BORROWER’S CREDIT CAPACITY IN THE INTERNATIONAL FINANCIAL ENVIRONMENT

Introduction. Traditional credit assessment methods are becoming less effective in international markets, where risks are increasing due to political instability, different legal systems, cultural differences and currency volatility. Therefore, it is necessary to implement the latest methods, tools and technologies to reduce decision-making time, increase forecast accuracy and reduce credit risk. The digitalization of banking operations, the automation of financial statement analysis, the use of artificial intelligence and machine learning for credit risk modeling have gained particular importance over the past decade. This opens up new opportunities for improving assessment systems, while at the same time raising challenges regarding data security, algorithm transparency and compliance with ethical standards