Karakterbegrunnelse:
Internal assessor
Dear Student,

The paper presents a clear, well-delimited, and analytically strong examination of AI-driven credit scoring for SMEs and freelancers. The central claim—that AI can improve access to credit when accompanied by appropriate governance addressing opacity, bias, and human oversight—is clearly articulated and consistently developed throughout the paper. The topic is highly relevant, and the analysis remains focused on a concrete

Karakterbegrunnelse:
Internal assessor
Dear Student,

The paper presents a clear, well-delimited, and analytically strong examination of AI-driven credit scoring for SMEs and freelancers. The central claim—that AI can improve access to credit when accompanied by appropriate governance addressing opacity, bias, and human oversight—is clearly articulated and consistently developed throughout the paper. The topic is highly relevant, and the analysis remains focused on a concrete AI application and decision context.

The submission is very well grounded in academic literature and professional practice, making effective use of relevant sources and interview material. The Toulmin argumentation model is applied explicitly and systematically, contributing to a coherent and logically structured analysis. The paper demonstrates a strong foundational understanding of AI, including credit scoring mechanisms, explainability challenges, bias, and human–AI interaction, and it connects these technical aspects convincingly to ethical and societal concerns.

Ethical dilemmas are clearly identified and treated as genuine trade-offs, the future scenarios are plausible and analytically differentiated, and the governance framework is well developed and clearly linked to the identified risks. Importantly, the analysis goes beyond description by critically evaluating conditions under which AI-driven credit scoring can be beneficial or problematic.

Overall, the paper demonstrates high analytical quality, clear argumentation, and independent critical reasoning across all core criteria. It consistently meets the expectations for the course, including the disclosure of AI use. The submission therefore merits an A-level grade (above 85 points).

I hope this helps.

Best wishes