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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.
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Deep learning for credit scoring: Do or don’t?
European Journal of Operational Research, 2021Björn Rafn Gunnarsson +2 more
exaly
Credit scoring based on tree-enhanced gradient boosting decision trees
Expert Systems With Applications, 2022Wanan Liu, Hong Fan, Meng Xia
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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Benchmarking state-of-the-art classification algorithms for credit scoring: An update of research
European Journal of Operational Research, 2015Stefan Lessmann +2 more
exaly
Credit scoring using the hybrid neural discriminant technique
Expert Systems With Applications, 2002Tian-Shyug Lee +2 more
exaly