The "AI" or "machine learning" part is what decides on those statements. Nothing special there, typically banks are using simple methods which produce results t

The "AI" or "machine learning" part is what decides on those statements. Nothing special there, typically banks are using simple methods which produce results that also humans can understand. Toward Data Science has a neat example [1], scroll to the end to see the sample "scorecard" which can be implemented as lookup tables and ifs. Example shows how the customer gets certain points depending on the age group, home ownership and income group. Sum up these points and you get the total score, which then translates to probability of getting your money back from that customer. [1] https://towardsdatascience.com/intro-to-credit-scorecard-9afeaaa3725f https://towardsdatascience.com/intro-to-credit-scorecard-9af...