斐济利用替代数据为小企业作出快速贷款决定,开展AI信用试点。 Fiji launches AI credit pilot using alternative data to speed loan decisions for small businesses.

斐济开发银行于2025年11月13日启动了AI信用评估试点,利用销售记录和短信应用程序活动等替代数据,加快现有客户的贷款决定。 The Fiji Development Bank launched an AI credit assessment pilot on November 13, 2025, using alternative data like sales records and messaging app activity to speed up loan decisions for existing customers. 该工具以墨尔本为基地,在澳大利亚市场发展基金的支持下开发,旨在将加工时间从几周缩短到几天,支持缺乏传统证件的小企业、妇女和青年的金融包容性。 The tool, developed with Melbourne-based ThirdRoc and backed by Australia’s Market Development Facility, aims to cut processing times from weeks to days, supporting financial inclusion for small businesses, women, and youth lacking traditional documentation. 虽然人工智能提供初步评估,但最终的贷款决定仍由人类信用官员做. While AI provides preliminary assessments, final lending decisions remain with human credit officers. 为期12个月的试点与斐济的数字战略(2025-2030年)相一致, The 12-month pilot aligns with Fiji’s Digital Strategy 2025–2030 and may expand to new customers afterward.