Abstract

This paper explores the multidimensional relationship between digital financial behavior, credit risk assessment, and mortgage accessibility among young generations. As digital natives, these cohorts display high engagement with fintech platforms and digital financial tools, yet they face persistent barriers in homeownership due to limited financial literacy, unstable income, and rigid credit evaluation systems. This study conducts a comprehensive literature review of 35 Scopus-indexed publications spanning digital finance, behavioral economics, and mortgage risk management. The review identifies four major themes: (1) digital financial behavior and generational attitudes, (2) innovation in risk-based credit assessment, (3) housing affordability and structural barriers, and (4) strategic approaches for inclusive mortgage systems. Findings reveal that digitalization enhances access to financial products but fails to fully bridge the credit gap for young consumers. The paper concludes by proposing the integration of behavioral finance indicators into AI-driven risk models to promote equitable, data-based, and sustainable housing finance.