The Advantage of Case-Tailored Information Metrics for the Development of Predictive Models, Calculated Profit in Credit Scoring. [PDF]
Entropy (Basel), 2022 Chrościcki D, Chlebus M.
europepmc +1 more source
Perspectives on credit scoring and fair mortgage lending: article two [PDF]
Credit scoring systems ...
John Olson +6 more
core
Differential Replication for Credit Scoring in Regulated Environments. [PDF]
Entropy (Basel), 2021 Unceta I, Nin J, Pujol O.
europepmc +1 more source
Did credit scores predict the subprime crisis? [PDF]
One would think that credit scores would be a predictor of who would default on a subprime mortgage.
Yuliya Demyanyk
core
A novel method for credit scoring based on feature transformation and ensemble model. [PDF]
PeerJ Comput Sci, 2021 Li H +7 more
europepmc +1 more source
The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations [PDF]
Financial innovation has been described as the “life blood of efficient and responsive capital markets.” Yet, there have been few quantitative investigations of financial innovation and the diffusion of these new technologies.
Jalal Akhavein +2 more
core
Hyperparameters tuning of random forest with harmony search in credit scoring [PDF]
, 2019 Correct identification of defaulters and non-defaulters in the lending industry is a crucial task for financial institutions. Credit scoring is a tool utilized for credit granting decisions.
Goh, Rui Ying +2 more
core +1 more source
People underestimate the errors made by algorithms for credit scoring and recidivism prediction but accept even fewer errors. [PDF]
Sci Rep, 2021 Rebitschek FG, Gigerenzer G, Wagner GG.
europepmc +1 more source
Scoring Drop-Out at a Microlender in Bolivia [PDF]
This paper presents a scoring model that predicts the risk of drop-out for borrowers at a microfinance lender in Bolivia. Drop-out risk was greater for women, manufacturers, newer borrowers, and those with more arrears.
Mark Schreiner
core
Incorporating Digital Footprints into Credit-Scoring Models through Model Averaging
MathematicsDigital footprints provide crucial insights into individuals’ behaviors and preferences. Their role in credit scoring is becoming increasingly significant.
Linhui Wang +3 more
doaj +1 more source