TY CONF TI ANALYSIS OF METHODS AND MODERN INFORMATION SOLUTIONS FOR ASSESSING CLIENT SOLVENCY KW solvency KW banking methods KW scoring KW credit risk KW fundamental analysis KW information system KW machine learning KW digital transformation KW borrower assessment algorithms JO MODELING INFORMATION SYSTEMS AND TECHNOLOGIES – 2026 AU Sumina, Y.E. PY 2026 PB FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov