Designing a Full-Stack Credit Data System: From Ingestion to Real-Time Decision
The article dissects a credit data system architecture, detailing six logical layers—from multi-source data collection and feature engineering (including graph features and feature stores) to model training, real‑time stream processing, decision engine integration, and privacy‑preserving computation—while explaining the trade‑offs, tools, and performance targets needed for accurate, low‑latency risk assessment.
