Proceedings of the International Conference on Operations & Supply Chain Management 2025 (ICOSCM 2025)

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Agentic AI for Credit Assessment and Working-Capital Optimization in Supply Chain Finance: A Theoretical Integration of Agency Theory and AI Ethics

Authors
Prasad Vasant Joshi1, *
1Symbiosis Institute of Operations Management, Nashik, Symbiosis International (Deemed) University, Pune, India
*Corresponding author. Email: joshi.prasad@siom.in
Corresponding Author
Prasad Vasant Joshi
Available Online 24 December 2025.
DOI
10.2991/978-94-6463-914-8_20How to use a DOI?
Keywords
Agentic AI; Supply Chain Finance; AI ethics framework; Agency theory
Abstract

While companies explore ways to maximize AI benefits in credit evaluation, financing, and working capital management, maintaining a balance between efficiency and ethics is crucial. By incorporating AI ethical principles and Agency theory, this work proposes a conceptual framework for developing accountable, transparent, and ethical systems. This study based on conceptual model combines AI ethics frameworks with Agency theory to better understand AI’s role in improving credit assessments and working capital management for the supply chain finance ecosystem. The study intends to develop a model that establishes a relationship between AI autonomy and its influences on the efficiency of credit assessment and the optimization of working capital, moderated by ethical governance and mediated by trust.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Conference on Operations & Supply Chain Management 2025 (ICOSCM 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 December 2025
ISBN
978-94-6463-914-8
ISSN
2352-5428
DOI
10.2991/978-94-6463-914-8_20How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Prasad Vasant Joshi
PY  - 2025
DA  - 2025/12/24
TI  - Agentic AI for Credit Assessment and Working-Capital Optimization in Supply Chain Finance: A Theoretical Integration of Agency Theory and AI Ethics
BT  - Proceedings of the International Conference on Operations & Supply Chain Management 2025 (ICOSCM 2025)
PB  - Atlantis Press
SP  - 290
EP  - 295
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-914-8_20
DO  - 10.2991/978-94-6463-914-8_20
ID  - Joshi2025
ER  -