Niral J Shah

Writing

Questions worth following.

FinTech, data and the words wrapped around both. New posts also go out in the free newsletter.

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LLMs and AI for your daily use

Prompting better, mitigating the models refined and trained on averages, future and adaptation

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An ELO-rating model for loan default prediction

Scoring loan applicants the way chess rates players — against a model applicant who repaid — with a confidence interval that says when to buy a credit report.

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Elsewhere / Guest articles

Signal over Noise

A build. A number. A good read.

Occasional notes on FinTech, data and plain writing: one thing I built, one number worth knowing with its source, and one thing worth reading. Sent when there is something worth sending.

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