Yes, there must be flexibility. The use of machine learning is a good idea. I have not seen this applied yet to the rating methodology. It is still based on collateral and the parent's strength. I look forward to any good ideas or suggestions in thesis where this has been applied.

Yes

Like predictive analytics using A.I?

Predictive analytics using AI is a hot methodology. Most researchers are looking to harness it for their areas of research. Credit rating and other areas like forecasting.