Digital Credit Platforms and Their Impact on the Accessibility of Bank Loans

In recent years, digital transformation has become one of the defining forces shaping the global financial sector. Among the most important developments is the rapid rise of digital credit platforms, which have fundamentally altered how individuals and businesses access bank loans . These platforms enabled by financial technologies (FinTech), artificial intelligence (AI), blockchain, and big data analytics have accelerated loan approval processes, reduced operational costs, and expanded credit accessibility, particularly for underserved populations . According to the World Bank (2022), digital lending solutions have significantly lowered barriers to credit entry, thereby promoting financial inclusion and supporting sustainable economic growth . Similarly, the International Monetary Fund (IMF, 2021) highlights that digital credit platforms improve efficiency by enhancing risk assessment accuracy and fostering competition in the banking sector .