Authors - Mazdak Zamani, Mohammad Naderi Dehkordi, Riham Hilal, Azizah Abdul Manaf, Achyut Shankar, Touraj Khodadadi Abstract - Access to formal financial services remains limited in many develop ing regions, largely due to economic and infrastructural constraints. This study uses the ISO/IEC 25010 as the evaluation framework to present a software quality assessment of a lending automation system installed in a financial insti tution in Butuan City, Philippines. The evaluation focuses on five essential as pects of software quality: usability, reliability, functional suitability, perfor mance efficiency, and security. Usability surveys using SUS and UMUX-Lite, operational and performance testing, and an evaluation of security and data pri vacy compliance were used to gather empirical data. According to the results, the system achieved high performance with an average inference latency of 0.208 ms per record, uptime reliability of ≥99.5%, excellent usability with a mean SUS score of 82.5, and full compliance with data privacy regulations. Predictive analytics, specifically the Random Forest model with isotonic cali bration, further enhanced the automated loan assessment’s interpretability and reliability. The system proved that it is appropriate for real-world applications and can encourage financial inclusion in resource-constrained environments, as it exceeded the intended benchmarks for each quality model. To guarantee the long-term adoption of lending automation technologies, the study emphasizes the significance of thorough software quality evaluation in addition to predic tive accuracy.
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