Legacy claim assessment · corrected
Primary investor presentation documents the specific merchant-finance workflow; remove unsubstantiated digital-footprint inputs, broader underserved-access outcomes and portfolio-quality claims.
Assessed Nov 8, 2026. This verdict is separate from deployment evidence and measured outcomes.
Catalog record · Lending & Credit
Stage as of source date not established · historical report, not live reconfirmation.
Alternative-data merchant selection and credit scoring
Primary workflow source. A named organization's workflow supported by a reviewed primary source. Stage is reported separately; this label does not establish measured outcomes or independent validation.
Last researched Nov 8, 2026. Source access and reported stage are recorded below; deployment evidence does not establish ROI.
What the research supports
DBS's 2023 investor presentation describes alternative data and AI/ML supporting merchant selection and credit scoring in a Greater China logistics-platform supply-chain financing partnership associated with JD.com.
Original catalog wording · AI Credit Scoring with Alternative Data
DBS Bank uses AI models that incorporate alternative data sources such as transaction history, digital footprint, and behavioral patterns to assess creditworthiness. This approach expands credit access to underserved segments while maintaining portfolio quality.
Archived maturity label: Production. Retained as original wording, not a current deployment assertion.
Original catalog sourcedbs.com · opens in a new tabAudited correction: Source-bound legacy adjudication. Primary investor presentation documents the specific merchant-finance workflow; remove unsubstantiated digital-footprint inputs, broader underserved-access outcomes and portfolio-quality claims. Original catalog wording is archived; unsupported historical impact ratings, generated summaries and unestablished announcement dates are cleared. Updated fields: title, description, summary, categoryId, maturity, aiTechnology, businessFunction, impact, sourceUrl, sourceType, announcedDate.
- Reported stage
- Production
- Technology
- Machine Learning
- Business function
- Middle Office
- Impact (legacy label)
- Not labeled
- Catalog date · unconfirmed
- Not reported
- Imported
- Mar 13, 2026
- Last researched
- Nov 8, 2026
Measures & evidence
No quantified measure recorded. This is a gap in the evidence, not a finding of no value.
Documented vendor relationships
No vendor relationship has been linked to this specific workflow in the curated overlay. This does not mean it was built without vendors.
See the company’s documented relationshipsDeployment evidence & limits
Primary investor presentation documents the specific merchant-finance workflow; remove unsubstantiated digital-footprint inputs, broader underserved-access outcomes and portfolio-quality claims. Status date not established.
Stage is as reported in the cited evidence. Current operating status has not been independently reconfirmed; the research date is an editorial review date.
Exact presentation publication day and rollout date not verified; source belongs to 2023 investor-day materials. No isolated credit-loss, approval-rate, inclusion or ROI outcome is disclosed.
Source register
- New Way of Working — Investor Day 2023, slide 24dbs.com · opens in a new tab
DBS · issuer · full-text · Publication date not recorded
Research lanes: legacy-2 · Batch research-refresh-2026-11-08. Coverage and remaining gaps