Application of Digital Technologies for Ranking Loan Borrowers

The research aims to study the effective management of distressed assets through the introduction of digital twins, which makes it possible to automate the work of bank managers and reduce the risks of repayment of loans to banks of the Republic of Kazakhstan. Compared with other countries, the banks of Kazakhstan show a high level of indicators of overdue and doubtful debts on loan portfolios. Using digital twins reduces subjectivity in employee work and corruption in bank activities. In today’s conditions, experience and intuition cannot always provide the choice of the best solution. Thus, systems related to automating the decision-making process (the choice of optimal borrowers) that best meets its individual social and economic characteristics are of particular interest. The widespread use of digital technologists is to automate these processes. For banks, it is a tool with which they can make optimal decisions (not to conduct natural experiments). Decision-making in different areas of activity is very similar. Therefore, a universal method of supporting decision-making is needed, corresponding to the natural course of human thinking. The task is solved using the hierarchy analysis method. A program for ranking applicants for loans has been developed, which places the results of numerical calculations in a result file. The results of numerical calculations are displayed in the form of tables.