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Credit Scoring and Its Applications
2002Tremendous growth in the credit industry has spurred the need for Credit Scoring and Its Applications, the only book that details the mathematical models that help creditors make intelligent credit risk decisions. Creditors of all types make risk decisions every day, often haphazardly.
Thomas, Lyn C. +2 more
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The Norms of Algorithmic Credit Scoring
SSRN Electronic Journal, 2020AbstractThis article examines the growth of algorithmic credit scoring and its implications for the regulation of consumer credit markets in the UK. It constructs a frame of analysis for the regulation of algorithmic credit scoring, bound by the core norms underpinning UK consumer credit and data protection regulation: allocative efficiency ...
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Credit scoring for profitability objectives
European Journal of Operational Research, 2010zbMATH Open Web Interface contents unavailable due to conflicting licenses.
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2021
The history of credit scoring, a recent phenomenon that started with judgmental rules and pointing systems, and only much later became empirical, whether to assess consumers or businesses. (1)Before statistics—expert models in the 1930s, first with Spiegel mail order and the American Federal Housing Association.
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The history of credit scoring, a recent phenomenon that started with judgmental rules and pointing systems, and only much later became empirical, whether to assess consumers or businesses. (1)Before statistics—expert models in the 1930s, first with Spiegel mail order and the American Federal Housing Association.
openaire +1 more source
Credit scoring for individuals [PDF]
ECONOMIA seria MANAGEMENT / ECONOMY - MANAGEMENT series, 2010 Lending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans, over time, some of them can become bad.
Maria DIMITRIU +2 more
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Deep learning for credit scoring: Do or don’t?
European Journal of Operational Research, 2021Maria Óskarsdóttir +2 more
exaly
Your credit score is a ranking, not a score
Economic Commentary, 2010With credit scores affecting so many important aspects of our lives, it’s no wonder that people are concerned with improving their scores. Once they start to pay attention to them, though, consumers often find their scores changing in unpredictable ways.
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Enhancing credit scoring with alternative data
Expert Systems With Applications, 2021Raffaella Calabrese, Jonathan Crook
exaly