Volume 2 - Issue 2, March - April 2026

The banking industry has witnessed a rise in the demand for robust and efficient security systems that provide a tamper-proof mechanism in the management of Know Your Customer (KYC) and credit risk assessment processes. This project aims at designing a Blockchain-based KYC system using Machine Learning (ML) for the automation of the Credit Risk Assessment process. The proposed system uses smart contracts on the Ethereum blockchain platform and a private blockchain environment called Ganache. The proposed system has a Django-based web application that connects with the blockchain environment and allows banking institutions to manage the KYC process efficiently. Moreover, the proposed system uses a machine learning model that predicts the loan approval process using key attributes of applicants. The proposed system integrates the benefits of blockchain and machine learning technologies in the management of the banking industry.

Ch.Sirisha, B.Pooja Reddy, B. Aditya, Natha Charmi, Singireddy Sathvik Reddy, Yasarapu Keerthhi,"Blockchain-Based KYC Model for Credit Allocation in Banking" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(2): Page(785-790) Mar-Apr 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.