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The aim of this research is to conduct a systematic review of the literature on responsible artificial intelligence (RAI) practices within the domain of AI-based Credit Scoring (AICS) in banking. This review endeavours to map the existing landscape by identifying the work done so far, delineating the key themes and identifying the focal points of research within this field.

A database search of Scopus and Web of Science (last 20 years) resulted in 377 articles. This was further filtered for ABDC listing, and augmented with manual search. This resulted in a final list of 53 articles which was investigated further using the TCCM (Theory, Context, Characteristics and Methodology) review protocol.

The RAI landscape for credit scoring in the banking industry is multifaceted, encompassing ethical, operational and technological dimensions. The use of artificial intelligence (AI) in banking is widespread, aiming to enhance efficiency and improve customer experience. Based on the findings of the systematic literature review we found that past studies on AICS have revolved around four major themes: (a) Advances in AI technology; (b) Ethical considerations and fairness; (c) Operational challenges and limitations; and (d) Future directions and potential applications. The authors further propose future directions in RAI in credit scoring.

Earlier studies have focused on AI in banking, credit scoring in isolation. This review attempts to provide deeper insights, facilitating the development of this key field.

This study proposes a guided tool for cybersecurity risk assessment tailored for nongovernmental organizations (NGOs), enabling them to comply with cybersecurity policies despite limitations in security awareness, funding and expertise.

A digital transformation is indispensable for ensuring the sustainable operation of NGOs. Embracing a digital manifesto necessitates an awareness of cybersecurity risks, highlighting the critical need for a robust cybersecurity risk assessment methodology. Initial research phases revealed significant shortages in security awareness, funding and expertise. Consequently, this study introduces an intuitive approach tailored specifically for NGOs, supported by a customized tool designed to address their unique requirements. The NIST cybersecurity risk assessment framework and National Cyber-security Authority (NCA) were adopted to define the risk assessment approach. The efficacy of this approach is evaluated qualitatively through a case study involving three NGOs in Saudi Arabia, aimed at assessing their capability to utilize the tool effectively. Following the implementation, a Likert-scale survey gauged satisfaction among NGOs regarding the tool’s utility.

Results from the case study indicate high satisfaction, affirming its alignment with their operational needs and enhancement of compliance with NCA controls. Furthermore, the use of the tool enhances the awareness of NCA’s cybercity requirements and controls.

Based on theoretical and empirical grounds, this research proposes a novel design of security assessment framework tailored for NGO requirements and supported by initiative tool enabling complying with cybersecurity policies and enhances the awareness of cybersecurity controls.