RAE: Revista de Administração de Empresas, 2013 O problema dos atrasos em pagamentos vem adquirindo grande importância nos países desenvolvidos. Neste trabalho, realizamos uma análise da capacidade preditiva de dois modelos paramétricos e de um não paramétrico, abordando, neste último, o problema da ...
Rosa Puertas Medina +1 more
doaj
Using Neural Networks to Classify the Personal Loan Applicants [PDF]
فصلنامه پژوهشهای اقتصادی ایران, 2007 Traditional methods of deciding whether to grant credit to a particular individual use human judgment of the risk of default based on experience of previous decisions.
Hamid Nilsaz +3 more
doaj
"If I don't have credit, I don't have anything": Perspectives on the credit scoring system among mothers with low incomes. [PDF]
J Consum Aff, 2023 Collins JM +3 more
europepmc +1 more source
Credit Scoring Using Colonial Competitive Rule-based Classifier
International Journal of Information and Communication Technology Research, 2011 Credit scoring is becoming one of the main topics in the banking field. Lending decisions are usually represented as a set of classification tasks in consumer credit markets.
Javad Basiri +3 more
doaj
Semi-supervised adapted HMMs for P2P credit scoring systems with reject inference. [PDF]
Comput Stat, 2023 El Annas M, Benyacoub B, Ouzineb M.
europepmc +1 more source
The effect of credit scoring on small business lending in low- and moderate-income areas [PDF]
This paper empirically examines the effect of the use of credit scoring by large banking organizations on small business lending in low- and moderate-income (LMI) areas.
Michael Padhi +2 more
core
BACS: blockchain and AutoML-based technology for efficient credit scoring classification. [PDF]
Ann Oper Res, 2022 Yang F, Qiao Y, Qi Y, Bo J, Wang X.
europepmc +1 more source
Credit Scores: Performance and Equity
Credit 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
openaire +2 more sources
Default Predictors in Retail Credit Scoring: Evidence from Czech Banking Data [PDF]
Credit to the private sector has risen rapidly in European emerging markets but its risk evaluation has been largely neglected. Using retail-loan banking data from the Czech Republic we construct two credit risk models based on logistic regression and ...
Evzen Kocenda, Martin Vojtek
core
A dimension reduction assisted credit scoring method for big data with categorical features
Financial InnovationIn the past decade, financial institutions have invested significant efforts in the development of accurate analytical credit scoring models. The evidence suggests that even small improvements in the accuracy of existing credit-scoring models may ...
Tatjana Miljkovic, Pei Wang
doaj +1 more source