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REST is generally easier to implement and can be a good choice when a straightforward, cacheable communication protocol with stringent access controls is a preferred (for public-facing e-commerce sites like Shopify and GitHub, as one example).
Artificialintelligence and machine learning (AI/ML) offer new avenues for credit scoring solutions and could usher in a new era of fairness, efficiency, and risk management. Traditional credit scoring models rely on static variables and historical data like income, employment, and debt-to-income ratio.
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