Publicado

2026-04-05

Modelación del scoring de crédito: una revisión sistemática de literatura de sus determinantes psicológicos

Credit scoring modelling: A systematic review of literature of its psychological determinants

Palabras clave:

scoring, crédito, determinantes psicológicos (es)
Scoring, Credit, psychological determinants (en)

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Autores/as

  • Jhon Alvaro Perez Cruz UNIVERSIDAD DE LA SALLE https://orcid.org/0000-0002-3766-7218
  • Claudia Milena Pico Bonilla universidad de la costa
  • Suelen Emilia Castiblanco Moreno Universidad de La Salle

Los scoring de crédito se han calculado tradicionalmente a partir de información sociodemográfica y crediticia contenida en las bases de datos de las entidades financieras. Tras las recomendaciones del Comité de Basilea en 2004 y la crisis de 2008, se evidenció la falta de actualización de los modelos y la existencia de asimetrías de información. En esta revisión sistemática de 30 artículos sobre factores psicológicos y su relación con el riesgo de crédito, se evidencia la falta de consenso sobre el default, siendo sus principales predictores psicológicos la inteligencia y los rasgos big five (BF), entre otros.

Credit scores have traditionally been calculated from sociodemographic and credit information contained in the databases of financial entities. After the recommendations of the Basel committee in 2004 and the 2008 crisis, the lack of updating of the models and the existence of information asymmetries became evident. In the present systematic review of 30 articles on psychological factors and their relationship with credit risk, the lack of consensus on default is evident and its main psychological predictors are intelligence and the big five traits, among others.

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