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Using Genetic Algorithm in Optimizing Decision Trees for Credit Scoring of Banks Customers [PDF]
Journal of Information Technology Management, 2010 Decision trees as one of the data mining techniques, is used in credit scoring of bank customers. The main problem is the construction of decision trees in that they can classify customers optimally.
Mahmood i Alborz +2 more
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An Entropy Based Algorithm for Credit Scoring [PDF]
, 2016 The request of effective credit scoring models is rising in these last decades, due to the increase of consumer lending. Their objective is to divide the loan applicants into two classes, reliable or unreliable, on the basis of the available information.
Saia, Roberto, CARTA, SALVATORE MARIO
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, 2015 RESUMEN: El credit scoring es un sistema de modelos de decisión a través del cual se calcula la probabilidad de que un sujeto sea capaz de devolver o no un crédito comercial. Este trabajo realiza una simulación de este modelo con la intención de familiarizarse con el funcionamiento del mismo, así como con el marco teórico que este conlleva.
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A comparison of data mining techniques for credit scoring in banking: A managerial perspective
Journal of Business Economics and Management, 2009 Credit scoring is a very important task for lenders to evaluate the loan applications they receive from consumers as well as for insurance companies, which use scoring systems today to evaluate new policyholders and the risks these prospective customers ...
Huseyin Ince, Bora Aktan
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AN IT2FS MODEL FOR SHARIA CREDIT SCORING: ANALYSIS & DESIGN
Jurnal Sistem Informasi, 2014 Credit scoring system is a classic problem which is still interesting to study. There are many studies on credit scoring. But, most of them only discuss feasibility analysis.
Galih Kurniawan Sidik +2 more
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Credit concession through credit scoring: Analysis and application proposal
Intangible Capital, 2017 Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests. Design/methodology/approach: The empirical study has the objective of answering two questions: (1) Which ratios ...
Oriol Amat +2 more
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Among Makarti, 2015 Research objectives are: (1) To measure the accuracy of credit scoring models currently applied in the assessment KSP / USP in assessing the feasibility of small business for the cooperative members in a potential borrower; (2) To determine the ...
Jumingan Jumingan
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Credit Scores: Performance and Equity
SSRN Electronic JournalCredit scores are critical for allocating consumer debt in the United States, yet little evidence is available on their performance. We benchmark a widely used credit score against a machine learning model of consumer default and find significant misclassification of borrowers, especially those with low scores.
Stefania Albanesi, Domonkos F. Vamossy
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Framework for multi-criteria assessment of classification models for the purposes of credit scoring. [PDF]
J Big Data, 2023 Ziemba P +3 more
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