"Digital DNA" of the Seller: How AI Scoring Unlocks Multi-Million Dollar Credit Lines
By 2026, it became clear that traditional credit scoring, based on the analysis of financial statements from previous periods, is no longer suitable for e-commerce. This is due to its slowness and static nature, which do not reflect the dynamics of online business, where key indicators change every day. In response, predictive analytics using artificial intelligence comes to the forefront. This approach focuses not on the seller's past income, but on their future earning potential. This