Systematic Literature Review of Information Technology Loan Based Model

The challenge of the development of information technology at the present time is not only centered on the technology itself but must be able to collaborate with other fields to be more useful for society. One area that uses a lot of information technology innovation is in the financial sector. In the discipline of engineering, there are many concepts for solving problems that can be used to address a variety of issues related to the financial digitization process. Loan is a product that has a very important role in the financial sector This study will help scholars in the field of loan analysis, particularly those who employ approaches from the field of information technology, understand what loan analysis/credit scoring is and what models have been created to carry out loan analysis/credit scoring from an information technology approach. 685 distinct papers were systematically sourced for this evaluation, of which 79 were chosen for further analysis. In further discussion, this paper suggests how to develop a financial engineering scoring model to conduct loan analysis that can dynamically modify based on engineering concepts.