need help to write INTRODUCTION section for a research paper on "A Systematic Literature Review on Individual Credit Scoring, a Social Inclusion Perspective".

"A SYSTEMATIC LITERATURE REVIEW ON INDIVIDUAL CREDIT SCORING, A SOCIAL INCLUSION PERSPECTIVE".

Table of Contents

Chapter 1`: Introduction
Background of the research
Individual credit scoring is one kind of statistical performance which is performed by the lenders as well as is performed by the financial institutions in case of accessing their creditworthiness. In that context, it can be mentioned that the credit scoring process is used by the lenders for the clear analysis of the ways that can help them in the use of their credits. This process denoted that through the use case of individual credit scoring lenders are discussing the areas where they must extend or deny their credits. With the clear observation of the overall process which is related with the credit scoring, it is noticed that this process of credit scoring can deliver its effective impact on the multiple financial transactions (Kossek, Su and Wu, 2017). Financial transactions that are affected by the presence of the credit scoring process are such as mortgages, auto loans, credit cards and private loans. When a person is seen to apply for small loans and too many credit cards at a single time. Then he/ she will be seen as a risk factor when the person already holds a credit card. Whenever the credit ratio is observed to be exceedingly high due to the outstanding credit balance that will stand as a risk. This puts a threat in consideration of the credit limit. The situation where the credit utilization ratio appears to be somewhere not below 9% then it can consequently have a negative impact on the credit score. Non-availability relating to the credit mix also stands as a major threat considering a situation where there is not a health balance relating to secured loans and unsecured loans. These are home loans and personal loans consecutively. Then it means the management of multiple credit accounts is considerably a poor one.
In that case, it can be added that five distinctive categories influence credit scores. Five categories that are offered influence in the overall performance of credit scores are such as the history of the payment, type of the credit, new credit, length of credit and the current debt. In the general context, credit scores are defining the ways through which an individual person can gain or can score credit in their financial performances. Within the financial industry, the Fair Isaac Corporation’s credit scoring process is one of the widely used credit scoring methods. Furthermore, vantage scoring is the other widely used credit scoring method in the financial industry.
Social inclusion is the improvement process through which individuals, as well as groups, can improve their participation in social activities. Therefore the social inclusion process is offering opportunity in front of the individuals or groups for their improvement of multiple aspects (Sobolewska, Galandini and Lessard-Phillips, 2017). The elements that are derived through the use of social inclusion methods such as the ability of a person is impressive, delivers opportunity for personal development and also offers dignity to the disadvantages of a person based on their identity. This aspect is not deemed to be subjective it is present in the exclusiveness...