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FedIncome: Federated Learning for Income Estimation in Digital Lending Under Data Sovereignty Constraints

arXiv:2609.27654v1 Announce Type: new Abstract: Verified income is often unavailable in digital loan applications, forcing lenders to rely on reported income and potentially leading to over-lending, overly conservative offers, or rejection of creditworthy applicants. Cross-institutional data-sharin…

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  1. 2026-09-24 04:00 · arXiv stat.ML
    FedIncome: Federated Learning for Income Estimation in Digital Lending Under Data Sovereignty Constraints

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