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Internet Financial Credit Scoring Models Based on Deep Forest and Resampling Methods
IEEE Access, 2023 In recent years, deep learning credit scoring models have become a hot research topic in Internet finance. However, most of the existing studies are based on deep neural network models, whose structure is difficult to design.
Yu Zhong, Huiling Wang
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The Fairness of Credit Scoring Models
Management Science, 2021 In credit markets, screening algorithms aim to discriminate between good-type and bad-type borrowers. However, when doing so, they can also discriminate between individuals sharing a protected attribute (e.g., gender, age, racial origin) and the rest of the population. This can be unintentional and originate from the training data set or from the model
Hurlin, Christophe +2 more
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An optimised credit scorecard to enhance cut-off score determination
South African Journal of Economic and Management Sciences, 2018 Background: Credit scoring is a statistical tool allowing banks to distinguish between good and bad clients. However, literature in the world of credit scoring is limited. In this article parametric and non-parametric statistical techniques that are used
Nico Kritzinger, Gary W. van Vuuren
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Credit Scoring and Loan Default [PDF]
International Review of Finance, 2012 AbstractA metric of credit score performance is developed to study the usage and performance of credit scoring in the loan origination process. We examine the performance of originationFICOscores as measures ofex anteborrower creditworthiness using loan‐level data onex postperformance of subprime mortgages.
Sengupta, Rajdeep, Bhardwaj, Geetesh
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Would credit scoring work for Islamic finance? A neural network approach [PDF]
, 2014 Purpose – The main aim of this paper is to distinguish whether the decision making process of the Islamic financial houses in the UK can be improved through the use of credit scoring modeling techniques as opposed to the currently used judgmental ...
Mulkeen, James +8 more
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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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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 Card Fraud Detection Using LSTM Algorithm
Wasit Journal of Computer and Mathematics Science, 2022 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 ...
Yanash Azwin Mohmad
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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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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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