Results 31 to 40 of about 27,113 (158)
About psychological variables in application scoring models [PDF]
RAE: Revista de Administração de Empresas, 2015 The purpose of this study is to investigate the contribution of psychological variables and scales suggested by Economic Psychology in predicting individuals’ default.
Pablo Rogers +2 more
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Equipping entrepreneurs: consuming credit and credit scores [PDF]
Consumption Markets & Culture, 2013 On-line products that make an individual's credit score an object of consumption and equip credit consumers with the capacity to improve their score are shown to exemplify two sets of dynamic tendencies to change in mass market consumer credit. First, as credit consumers are differentiated, sorted and targeted by lenders according to credit scores ...
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A hybrid feature selection method for credit scoring
EAI Endorsed Transactions on Context-aware Systems and Applications, 2017 Reliable credit scoring models played a very important role of retail banks to evaluate credit applications and it has been widely studied. The main objective of this paper is to build a hybrid credit scoring model using feature selection approach.
Sang Ha Van +2 more
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Credit scoring in banks and financial institutions via data mining techniques: A literature review [PDF]
Journal of Artificial Intelligence and Data Mining, 2013 This paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in Credit scoring. Yet there isn’t any literature in the field of data mining applications in credit scoring.
Seyed Mahdi sadatrasoul +3 more
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Which Curve Fits Best: Fitting ROC Curve Models to Empirical Credit-Scoring Data
Risks, 2022 In the practice of credit-risk management, the models for receiver operating characteristic (ROC) curves are helpful in describing the shape of an ROC curve, estimating the discriminatory power of a scorecard, and generating ROC curves without underlying
Błażej Kochański
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Credit Rating Score Analysis [PDF]
, 2017 We analyse a sample of funds and other securities each assigned a total rating score by an unknown expert entity. The scores are based on a number of risk and complexity factors, each assigned a category (factor score) of Low, Medium, or High by the expert entity.
Härdle, Wolfgang Karl +2 more
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Modelling customers credit card behaviour using bidirectional LSTM neural networks
Journal of Big Data, 2021 With the rapid growth of consumer credit and the huge amount of financial data developing effective credit scoring models is very crucial. Researchers have developed complex credit scoring models using statistical and artificial intelligence (AI ...
Maher Ala’raj +2 more
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A Comparison between Logit Model and Classification Regression Trees (CART) in Customer Credit Scoring Systems [PDF]
پژوهشهای اقتصادی, 2008 With the continuous development and changes in the credit industry, credit products play a more important role in the economy. This has led institutions to expand the role of technology in their credit management processes.
gholam reza . Keshavarz Haddad +1 more
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Development of Credit Scoring Model to Determine the Creditworthiness of Borrowers
JISR on Computing, 2014 The explosive growth of data in banking sector is common phenomena. It is due to early adaptation of information system by Banks. This vast volume of historical data related to financial position of individuals and organizations compel banks to evaluate
Amjad Ali, Muhammad Rafi
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Information asset analysis: credit scoring and credit suggestion [PDF]
International Journal of Electronic Business, 2011 Risk assessment is important for financial institutions, especially in loan applications. Some have already implemented their own credit-scoring mechanisms to evaluate their clients' risk and make decisions based on this indicator. In fact, the data gathered by financial institutions is a valuable source of information to create information assets ...
Fábio Silva 0003, Cesar Analide
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