Alternative behavioral data as screening signals: incremental predictive power and economic implications in credit scoring among thin-file borrowers in Vietnam Student: Võ Ngọc Tường Vy, VNP-29 Supervisor: Dr. Trương Đăng Thụy Abstract: This thesis examines whether alternative behavioural-information proxies provide incremental predictive power beyond traditional credit-information proxies in screening small-value, short-term consumer loans for thin-file […]