Abstract.

The booming development of financial technology has had a profound impact on the traditional
banking industry. In terms of business models, the rise of innovative models such as online
lending, supply chain finance and open banking has led to online and intelligent banking;
customer experience has been significantly improved by intelligent customer service.
To address credit risk assessment challenges, this study proposes a scoring system for credit
acquisition tailored for EasyBank. The system evaluates prospective clients based on their
financial health and credit requirements, filtering out high-risk applicants early in the process. By
assigning weighted importance to key financial indicators—such as income stability, debt-to-
income ratio, and credit history, the model ensures that only the most qualified candidates
proceed to document verification. This data-driven approach enhances efficiency, minimizes
default risks, and optimizes resource allocation, making it a valuable addition to EasyBank’s
credit evaluation framework.
The proposed credit scoring system collects and analyzes key financial indicators from
applicants—including income stability , evaluating consistent earnings and employment history,
debt-to-income ratio, assessing repayment capacity, credit history , reviewing past repayment
behavior and credit scores, existing liabilities ,current loans and credit card debt, and loan
purpose ,risk evaluation based on fund usage. By automating this assessment with weighted
criteria, EasyBank benefits from reduced default risk through data-driven applicant prioritization,
enhanced operational efficiency via faster and cheaper screening processes, and improved
scalability as the model continuously refines its accuracy with new data. Additionally, the system
ensures regulatory compliance by applying transparent, objective standards that minimize bias.
This solution enables EasyBank to harness fintech innovations while maintaining a secure, risk-
optimized lending framework.

1.General Introduction:
Why EasyBank ?
We're a fintech, accredited with Tunisia's startup label. Our commitment to professionalism is
reflected in our innovative platform. We promote financial inclusion, supporting our clients with
the best loan services and other banking solutions. Using advanced AI, we provide personalized
advisory services and facilitate procedures based on eligibility and loan accessibility criteria.

In today's era of rapid global economic development, the financial sector is undergoing a
profound transformation. The rise of FinTech is like a powerful wave that is impacting every
aspect of the traditional banking industry. With the continuous progress of science and
technology, FinTech has been developing rapidly around the world and has had a profound
impact on the traditional banking industry. This paper will explore the impact of fintech on the
traditional banking industry and the future development trend, aiming to provide a useful
reference for the traditional banking industry to find its position, cope with the challenges and
grasp the opportunities in the wave of fintech. The development of fintech has not only changed
people's financial consumption habits, but also reshaped the competitive landscape of the
financial industry. As an important part of the financial sector, the traditional banking industry is
facing fierce competition from fintech companies. At the same time, fintech has also brought
new opportunities to the traditional banking industry, prompting it to accelerate the pace of
digital transformation and improve service quality and efficiency. By deeply analysing the
impact of FinTech on the traditional banking industry, we can better understand the development
trend of the financial industry and provide strategic guidance for the future development of the
traditional banking industry. In this paper, we will provide a comprehensive overview of
FinTech, its impact on the traditional banking industry, the response strategies of traditional
banks, and the future development trend of FinTech
Chapter 1 :
Introduction:
This chapter will present a general context of the internship and the company where it took
place. It will, then, present the problem addressed by this research.
1.1. Company Presentation
1.1.1 Company Description
EasyBank was founded in June 2023 by a team of entrepreneurs and experts in finance, business
law and digitalization, with the aim of bridging the gap between people's nancial needs and the
offerings of traditional financial institutions. This creation was preceded by a series of
preparations aimed at understanding market needs and designing a suitable solution. These
efforts led to the development of the first prototype of a digital platform facilitating access to
different types of loans for individuals.
1.1.2 Mission and Vision
Mission & Values
EasyBank is committed to revolutionizing financial services in MENA by offering accessible and
personalized solutions with a focus on underserved communities and the diaspora. Our goal is to
simplify access to credit and other financial products via an intuitive digital platform, while
promoting financial education to help our customers make informed decisions.
Vision
EasyBank aims to become a key player in the regional financial ecosystem by redefining the
banking experience. In partnership with financial institutions, our ambition is to broaden access
to innovative financial services, while reinforcing conversion to digitalization and breaking away
from traditional practices. By integrating advanced technologies and a customer-centric
approach, EasyBank is committed to becoming the catalyst for sustainable financial inclusion
and equitable economic development.
Our History
EasyBank was founded in June 2023 by a team of entrepreneurs and experts in finance, business
law and digitalization, with the aim of bridging the gap between people's financial needs and the
offerings of traditional financial institutions. This creation was preceded by
a series of preparations aimed at understanding market needs and designing a suitable solution.
These efforts led to the development of the first prototype of a digital platform facilitating access
to different types of loans for individuals.
CGrowth & Expansion
Official recognition: Startup label awarded by the Ministry of Communication Technologies and
the Digital Economy.
Pilot test: carried out with a major private-sector employer in Tunisia, which was looking to meet
the financial needs of its employees facing difficulties with banks.
Technological adoption: Integration of advanced functionalities such as an intelligent chatBot
and instant eligibility assessment.
Our Services
Loan Intermediary:
We act as a middleman between clients and partner banks to facilitate access to the best choices
for obtaining suitable loans.

Negotiation
We collaborate with our network of banking partners to obtain competitive terms and the best
costs for our customers.

Financial consulting
We offer personalized consultations to assist clients in meeting their financial needs. We help
them choose the best bank and find suitable financial products.

Extra Services
We simplify access to banking insurance products through partnerships with banks and insurance
companies.

1. Opportunities
Tunisia:
More than 5 million unbanked people, representing a major opportunity for products such
as microloans and digital brokerage solutions.
France (Gateway to Europe):
With a diaspora of over 5 million North Africans, mainly in France, the region represents a
key market for products such as EasyHome.
Qatar (Portal to the GCC):
Qatar is a strategic hub for accessing the MENA diaspora, estimated at 10 million
expatriates in the Gulf countries.
Expatriates show a strong interest in real estate investments, with an average transaction
value of 100k USD, as well as an increased need for adapted nancial solutions.
2. Growing adoption of digital solutions
Financial behavior is evolving rapidly, with increasing adoption of digital platforms.
In the MENA region, the market for digital solutions is estimated at 5 billion USD, with
annual growth of 12%.

Products, Tools & Services

Digital Brokerage : EasyBank's central platform facilitates access to credit for unserved
employees by simplifying procedures with financial institutions and eliminating the complexity
of traditional processes.
EasyHome: Service combining digital brokerage and partnerships with real estate agencies to
support customers at every stage of their real estate project: identifying needs, selecting a
property, arranging financing and acquisition.
Personalized CRM : In-house tool to optimize centralized management of prospect requests and
interactions.
Financial Education: A social networking initiative to raise community awareness of sound
financial practices through tailored and engaging content.
Products, Tools & Services in progress

EasyCover: Insurtech product designed to cover micro and nano credits and secure BNPL
transactions.
EasyLead : A low-cost matching tool designed to give financial institutions direct access to
confirmed, qualified prospects. EasyLead facilitates the identification of ideal customers for
specific products, whether microfinance or traditional banking offers, while optimizing
acquisition costs for financial institutions.
EasyLoan : More than a product, EasyLoan represents a strategic project designed to meet a
growing demand identified in the market. Designed as a licensed hybrid microfinance institute,
the project combines digital and traditional interactions to meet specific customer needs.
All EasyBank products, tools and strategic directions, whether already developed or under
development, go through rigorous prototyping phases.

Organizational Structure
Operations & Sales Department
Mission: Ensure day-to-day operational efficiency and steer sales strategy to achieve growth
targets.
Main responsibilities:
Strategic partner management: Establish and maintain strong relationships with key partners.
Supervision of administrative functions: Optimize internal processes and ensure smooth day-to-
day operations.
Sales strategies: Develop and implement sales strategies adapted to each segment.
Prospecting and customer acquisition: Identify and develop new markets to broaden the customer
base.
Human resources management: Recruit, train and develop talent for the first year.
Information Technology and Development Department
Mission: Develop and maintain innovative technological solutions.
Main responsibilities: Management and improvement of digital solutions to meet customer
needs. Integration of Al and blockchain-based solutions to optimize customer service.
Securing IT infrastructure and managing sensitive data.
Marketing & Communication Department
Mission: Increase EasyBank's visibility and strengthen customer engagement.
Main responsibilities: Develop campaigns for customer acquisition and retention.
Manage internal and external communications.
Promote EasyBank services through collaborative and creative initiatives.
Finance Department
Mission: Ensure EasyBank's financial health and regulatory compliance.
Responsibilities: Treasury supervision, budgets, financial reporting, investor relations, and
compliance with local
and international regulations.
Roadmap

General introduction :
Lenders face the dilemma of either giving out too few loans (and lose potential
revenues) or to give out too many (and lose the principal amount to defaults). To aid
them in the decision whether or not to give an applicant a loan, many lenders use
scoring or rating models. These are statistical tools that use data to evaluate the
creditworthiness of the applicant. When lending to companies the lender usually has
access to extensive financial information about the borrower. For a long time lenders
who focused on consumers had more difficulties to gain sufficient insight into their
applicant’s ability to pay back loans. Today most consumers create vast pools of
data and profiles online, which are used by some fintech startups like Kreditech,
Vantage Score or Big Data Scoring to make their credit scores more precise.
While this might pose a great opportunity for lenders, many consumers regard it with
skepticism and fear an intrusion of their privacy. Since trust is an important asset in
the financial sector, it is important to have a clear strategy of how to deal with this,
regardless of whether there are real security problems or only a subjective
discomfort.
 Ekong R.E., Akintola K.G. & Kuboye, B.M, Development of Credit Scoring Model for
Borrowers UsingMachine Learning Techniques

Figure 1. System architecture for the RST+MLP model

Abstract
Financial organizations such as banks have experienced an increase in demand for loans from
borrowers over theyears. These organizations are highly interested in knowing whether a
borrower can pay back if granted the loanrequested. Granting loans to defaulters can cripple the
business, hence, these financial organizations are compelledto evaluate credit worthiness of
clients using the credit history of borrowers. Credit scoring is a technique used inpredicting the
probability that a borrower will default. Several techniques have been adopted over the years
such asstatistical and machine learning techniques, however, Machine learning techniques have
been found to performbetter than the statistical techniques because they solve the challenges
faced by credit analyst by automating theprocessing and extraction of knowledge from data. The
objective of this work is to improve upon the Artificial NeuralNetwork machine learning
technique by adopting a better feature extraction technique. The methodology adoptedin this
research is to use Rough Set Theory (RST) for relevant and efficient feature selection and Multi-
LayerPerceptron (MLP) Neural Network for classification. To test the models, the Australian and
the German creditdatasets were used in the Anaconda machine learning platform. The results
obtained from the research wascompared with some other machine learning models such as:
Support Vector Machine, Random Forest, DecisionTree, Logistic Regression, Naive Bayes, K-
Nearest Neighbour and Artificial Neural Network using standardevaluation metric to ascertain its
performance on the two datasets. The results show that this work outperforms allother models in
any of the metrics considered. This research therefore has been able to show that the model is
goodfor credit scoring and has improved performance.Keywords: Classification Techniques;
Credit Scoring; Machine Learning Techniques; Rough Set Theory; Multi-LayerPerceptron
(PDF) Development Of Credit Scoring Model For Borrowers Using Machine Learning
Techniques. Available from:
https://www.researchgate.net/publication/361293278_Development_Of_Credit_Scoring_Model_
For_Borrowers_Using_Machine_Learning_Techniques [accessed Apr 19 2025].

1.1 Company Presentation :

EasyBank is a fintech Startup, accredited with Tunisia's startup label. It was established in 2023
in Tunisia, initiated by a team of entrepreneurs and financial technology experts. Easy Bank
accompanies customers step by step, starting from the initial application submission to receiving
approval notifications, and progressing through negotiation stages with banks to secure the best
offer that suits their needs.
At Easy Bank, we're committed to revolutionizing the personal banking sector. Our primary
objective is to provide personalized loan solutions for our clients. Through our innovative digital
platform, we're simplifying the loan process and other banking services, all to meet your needs.
Our commitment to professionalism is reflected in our innovative platform. We promote
financial inclusion, supporting our clients with the best loan services and other banking
solutions. Using advanced AI, we provide personalized advisory services and facilitate
procedures based on eligibility and loan accessibility criteria