Replication Data for: Credit Scoring of Thin File Consumers

Abstract: This dataset contains synthetic data designed for evaluating machine learning-based credit scoring models for thin-file consumers. It includes borrower profiles with alternative data attributes such as digital payments, utility bills, and behavioral features. This dataset supports research in AI-driven credit risk assessment, fairness audits, and financial inclusion. The data generation aligns with the World Bank Digital Financial Inclusion 2025 goals and the IMF Responsible AI framework.