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Blockchain-Based Credit Scoring Models and Financial Inclusion in a Developing Economy

This study examined the impact of block-chain based credit scoring models on financial inclusion in a developing economy using Nigeria as a case study, covering the period 1999–2024. Using an ex post facto design, the study analyzed secondary data sourced from EFInA, CBN, NDIC, and IMF, focusing on Credit Access Rate (CAR), Loan Default Rate (LDR), Average Loan Size (ALS), Repayment Timeliness (RT), and the Financial Inclusion Index (FII). Ordinary Least Squares (OLS) regression was employed in E-Views 9.0, with diagnostic tests including Variance Inflation Factor, BreuschPagan, and DurbinWats…

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SHA-256 458f572b977b36ba83ab3be2165ef4b3a3e8426ea1f5cba405fa02db52c22000
from https://iiardjournals.org/get/IJBFR/VOL. 11 NO. 7 2025/Blockchain-Based Credit Scoring 45-64.pdf
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Source	OpenAlex research
Collection	International records
Kind	Document
Publisher	IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH
Date	2026-08-31
Type	article
Details	openalex authorships.countries:NG,primary topic.subfield.id:3320\|3321\|3308\|1202\|3303\|3312\|2002\|2000\|2003 + local /\bnige
Found at	https://doi.org/10.56201/ijbfr.vol.11.no7.2025.pg45.64
Archived copy	Look it up in the Wayback Machine
Record ID	`openalex:W7204773991`

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Blockchain-Based Credit Scoring Models and Financial Inclusion in a Developing Economy. OpenAlex research, 2026. Vero Archive, record openalex:W7204773991.