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Credit scoring with an ensemble deep learning classification methods – comparison with tradicional methods

Ognjen Radović, Srđan Marinković, Jelena Radojičić
<span title="2021-02-04">2021</span> <i title="University of Nis"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/rrfviqclrjefta5b45kvr2bsma" style="color: black;">Facta Universitatis. Series: Economics and Organization</a> </i> &nbsp;
In this paper, we compare the performance of ensemble deep learning methods based on decision trees with the best traditional method, logistic regression, and the machine learning method benchmark, support  ...  The research focuses on standard datasets relevant for this type of classification, the Australian and German datasets.  ...  The applied model combines three machine learning techniques: evolutionary, ensemble and deep learning."  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.22190/fueo201028001r">doi:10.22190/fueo201028001r</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/niknzfss6zadtmdibofdacjpnq">fatcat:niknzfss6zadtmdibofdacjpnq</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20210209160249/http://casopisi.junis.ni.ac.rs/index.php/FUEconOrg/article/download/7072/3962" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/be/6d/be6d595b00a769508e069e583f16d494c6bc065c.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.22190/fueo201028001r"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>

Prediction Model for Loan Default Using Machine Learning

Awuza Abdulrashid Egwa, Habeebah Adamu Kakudi, Ahmad Ajiya Ahmad, Abubakar Muhammad Bichi, Muhammad Alhaji Madu
<span title="2022-02-28">2022</span> <i title="International Journal of Innovative Research &amp; Development (GlobeEdu)"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/vklegd4usvfqdbnwe7fyxqedt4" style="color: black;">The International Journal of Science &amp; Technoledge</a> </i> &nbsp;
Machine Learning (ML) algorithms have been applied to assess the credit risk of borrowers in financial lending institutions (Djeundj and Crook, 2018).  ...  Linear Discriminant Analysis (LDA) and logistic regression (LR) are two most popular tools for constructing credit scoring models (Wiginton, 1980).  ...  Literature Review Several researches have been carried out on credit risk analysis where classification and survival analysis models have been applied to determine the default risk of a borrower (Lessmann  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.24940/theijst/2022/v10/i2/st2202-009">doi:10.24940/theijst/2022/v10/i2/st2202-009</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/hfumwnrj2zd4lbtp43eyh6a2bi">fatcat:hfumwnrj2zd4lbtp43eyh6a2bi</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20220609045858/http://www.internationaljournalcorner.com/index.php/theijst/article/download/168724/115410" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/5e/3e/5e3e7a29abc13cce28054b86617a4c9ef40bcf28.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.24940/theijst/2022/v10/i2/st2202-009"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="external alternate icon"></i> Publisher / doi.org </button> </a>

A New Prediction Approach for Preventing Default Customers from Applying Personal Loans Using Machine Learning

Mohamed H. Khedr, Nesrine A. Azim, Ammar M. Ammar
<span title="2021-12-30">2021</span> <i title="Zain Publications"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/6ikzxnxjvfca7lxnuzfrfzqowm" style="color: black;">International journal of computer science and mobile computing</a> </i> &nbsp;
The new predictive method uses the available personal data and historical credit data to evaluate the credit trust-worthiness of customers to obtain loans.  ...  We compared the performance of several machine learning classifiers before and after feature selection.  ...  In this paper, we propose a new efficient approach of applying machine learning techniques to predict default customers of personal loans.  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.47760/ijcsmc.2021.v10i12.009">doi:10.47760/ijcsmc.2021.v10i12.009</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/upg7gfoervdfrasvqyf5koy2re">fatcat:upg7gfoervdfrasvqyf5koy2re</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20220114234046/https://ijcsmc.com/docs/papers/December2021/V10I12202110.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/63/fd/63fddd8c3f3a9f6e8cbf04a2e5989ceba934cb70.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.47760/ijcsmc.2021.v10i12.009"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="external alternate icon"></i> Publisher / doi.org </button> </a>

Predicting Credit Card Approval of Customers Through Customer Profiling using Machine Learning

<span title="2020-04-30">2020</span> <i title="Blue Eyes Intelligence Engineering and Sciences Engineering and Sciences Publication - BEIESP"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/h673cvfolnhl3mnbjxkhtxdtg4" style="color: black;">International Journal of Engineering and Advanced Technology</a> </i> &nbsp;
This process mainly concentrates on predicting approval of credit cards to customers using machine learning.  ...  Machine Learning is the scientific study of algorithms and statistical models that computers use to perform specific tasks without any external instructions or interference.  ...  Machine Learning Models Machine learning [6] models include training the data under classification algorithms.  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.35940/ijeat.d7293.049420">doi:10.35940/ijeat.d7293.049420</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/aocdqotqbvbdnpd6nvyksqblde">fatcat:aocdqotqbvbdnpd6nvyksqblde</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20200527233432/https://www.ijeat.org/wp-content/uploads/papers/v9i4/D7293049420.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.35940/ijeat.d7293.049420"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>

Dynamic Nearest Neighbor: An Improved Machine Learning Classifier and Its Application in Finances

Oscar Camacho-Urriolagoitia, Itzamá López-Yáñez, Yenny Villuendas-Rey, Oscar Camacho-Nieto, Cornelio Yáñez-Márquez
<span title="2021-09-24">2021</span> <i title="MDPI AG"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/smrngspzhzce7dy6ofycrfxbim" style="color: black;">Applied Sciences</a> </i> &nbsp;
The presence of machine learning, data mining and related disciplines is increasingly evident in everyday environments.  ...  The content of this paper consists of a proposal of a new supervised learning algorithm and its application in real world datasets related to finance, called D1-NN (Dynamic 1-Nearest Neighbor).  ...  Conflicts of Interest: The authors declare no conflict of interest.  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.3390/app11198884">doi:10.3390/app11198884</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/abwuvfdi4rhnbodi2qeqnaexdm">fatcat:abwuvfdi4rhnbodi2qeqnaexdm</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20210926010938/https://mdpi-res.com/d_attachment/applsci/applsci-11-08884/article_deploy/applsci-11-08884.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/65/a0/65a0bd852ba1dfc7d2adbd4e3a3444a414755a38.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.3390/app11198884"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> mdpi.com </button> </a>

Machine Learning in Consumer Credit Risk Analysis: A Review

Jae Young Seo
<span title="2020-08-25">2020</span> <i title="The World Academy of Research in Science and Engineering"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/naqzxq5hurh2bp2pnvwitnnx44" style="color: black;">International Journal of Advanced Trends in Computer Science and Engineering</a> </i> &nbsp;
Many research papers had tested and concluded of the ability of machine learning methods to classify good and bad credit.  ...  Besides using traditional methods such as credit scoring, machine learning can also be used as a tool to classify applications for credit.  ...  Machine Learning and Deep learning are approaches for data analysis and prediction that automate conventional analytical models.  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.30534/ijatcse/2020/328942020">doi:10.30534/ijatcse/2020/328942020</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/337xvnqspra5jfm5vtosjyneym">fatcat:337xvnqspra5jfm5vtosjyneym</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20200928072701/http://www.warse.org/IJATCSE/static/pdf/file/ijatcse328942020.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.30534/ijatcse/2020/328942020"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="external alternate icon"></i> Publisher / doi.org </button> </a>

A Credit Risk Predicting Hybrid Model Based on Deep Learning Technology

Chong Wu, School of Management, Harbin Institute of Technology, Harbin, 150001 China
<span title="">2021</span> <i title="EJournal Publishing"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/2uckwik5xjerdg36acn26gjq6e" style="color: black;">International Journal of Machine Learning and Computing</a> </i> &nbsp;
To examine the performance, real world credit data of Lending Club is applied in the proposed model.  ...  Credit risk evaluation (CRE) is a very challenging and important management science problem in the domain of financial analysis.  ...  As a method of deep learning, DBM has powerful feature Extreme Learning Machine (ELM), incremental extreme learning machine (I-ELM), and support vector machine(SVM), by using the dataset of CRE and then  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.18178/ijmlc.2021.11.3.1033">doi:10.18178/ijmlc.2021.11.3.1033</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/rfqwnflll5ecxdo6cgbdg2dqn4">fatcat:rfqwnflll5ecxdo6cgbdg2dqn4</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20210124004059/http://www.ijmlc.org/vol11/1033-T2012.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/16/6a/166a050a90e9fc9b104fa4dc81a7f1f94862e5d5.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.18178/ijmlc.2021.11.3.1033"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="external alternate icon"></i> Publisher / doi.org </button> </a>

A Comparative Study of Machine Learning Algorithms for Predicting Loan Default and Eligibility

Supreeth S. Athreyas, Thanmai B K, Varshini Kashyap S, Sukesh S. Bairy, Harish K
<span title="2022-04-05">2022</span> <i title="Zenodo"> Zenodo </i> &nbsp;
As a growing number of customers apply for credits in the banks and non-banking financial companies (NBFC), it is really pursuing banks and NBFCs with confined financing to contraption a standard objective  ...  Loosening up credits to corporates and individuals for the smooth working of creating economies as is INDIA unpreventable.  ...  The comparison of models in weka and R proved that weka produces considerably good results. Credit Risk Prediction Based on Machine Learning Methods was proposed by Yu Li [10] .  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.5281/zenodo.6543983">doi:10.5281/zenodo.6543983</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/nb4bswv3lfbdpg3ga2qz76mn4i">fatcat:nb4bswv3lfbdpg3ga2qz76mn4i</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20220525231207/https://zenodo.org/record/6543983/files/V5I12-PICES0031.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/48/08/4808ac95e2938d60222c5aba2e31568931998be2.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.5281/zenodo.6543983"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> zenodo.org </button> </a>

Improve credit scoring using transfer of learned knowledge from self-organizing map

Ali AghaeiRad, Ning Chen, Bernardete Ribeiro
<span title="2016-08-26">2016</span> <i title="Springer Nature"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/a3wauupnbbdj7hbo62upc6grdq" style="color: black;">Neural computing &amp; applications (Print)</a> </i> &nbsp;
This paper presents a hybrid approach to building the credit scoring model and illustrates how the unsupervised learning based on self-organizing map (SOM) can improve the discriminant capability of feedforward  ...  A variety of pattern recognition techniques including neural networks, decision trees, and support vector machines have been applied to predict whether the borrowers should be considered a good or bad  ...  Acknowledgments This work was supported by national funds through the Portuguese Foundation for Science and Technology (FCT), National Natural Science Foundation of China (Contact No. 11601129), and the  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.1007/s00521-016-2567-2">doi:10.1007/s00521-016-2567-2</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/rpig4oeqpnarrjlknkgxfv6uky">fatcat:rpig4oeqpnarrjlknkgxfv6uky</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20190302205926/https://core.ac.uk/download/pdf/144049887.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/24/12/241292fd577d2916dd013db1b9e59cffd669ea46.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.1007/s00521-016-2567-2"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="external alternate icon"></i> springer.com </button> </a>

Performance Comparison of Data Mining Algorithm to Predict Approval of Credit Card

Ipin Sugiyarto, Bibit Sudarsono, Umi Faddillah
<span title="2019-10-05">2019</span> <i title="Politeknik Ganesha"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/p5bqngfvajedbm4bjyx4hwytvi" style="color: black;">SinkrOn</a> </i> &nbsp;
Credit analysis needs to identify and assess the factors that can affect customers in returning credit.  ...  in predictions of credit card approvals.  ...  Figure 15 . 15 Process Model Method of NN + PCA + PSO. Figure 16 . 16 Comparison of Research Accuracy Charts on Approval Credit Cards.  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.33395/sinkron.v4i1.10181">doi:10.33395/sinkron.v4i1.10181</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/44zo5fw3ibglhfzl6i2xcuulsa">fatcat:44zo5fw3ibglhfzl6i2xcuulsa</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20200307051621/https://jurnal.polgan.ac.id/index.php/sinkron/article/download/10181/281" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/8c/96/8c96a19f2ca57e09a1011cc12ea726e4293817bd.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.33395/sinkron.v4i1.10181"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>

Credit Card Fraud Detection Using Fuzzy Rough Nearest Neighbor and Sequential Minimal Optimization with Logistic Regression

Ameer Saleh Hussein, Rihab Salah Khairy, Shaima Miqdad Mohamed Najeeb, Haider Th.Salim Alrikabi
<span title="2021-03-16">2021</span> <i title="International Association of Online Engineering (IAOE)"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/bnz2cocfqbamzln5r7zndevxnu" style="color: black;">International Journal of Interactive Mobile Technologies</a> </i> &nbsp;
Simulation results compared with seven other algorithms affirms that ensemble model can adequately detect credit card fraud with detection rates of 84.90% and 76.30%.</p>  ...  <p>The global online communication channel made possible with the internet has increased credit card fraud leading to huge loss of monetary fund in their billions annually for consumers and financial institutions  ...  ROC curves for Australian credit approval for FRNN, SMO, LR, and proposed model Fig. 8 . 8 Analysis for Australian credit approval Fig. 9 . 9 Analysis for German credit by relation r E , for every  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.3991/ijim.v15i05.17173">doi:10.3991/ijim.v15i05.17173</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/v5fih5uhujcslhdpnyyjrvsuoq">fatcat:v5fih5uhujcslhdpnyyjrvsuoq</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20210319155937/https://online-journals.org/index.php/i-jim/article/download/17173/8827" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/6f/f1/6ff125bde32a8e71b8d3f0912c6d6edaaffdf436.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.3991/ijim.v15i05.17173"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>

Machine learning predictivity applied to consumer creditworthiness

Maisa Cardoso Aniceto, Flavio Barboza, Herbert Kimura
<span title="2020-11-15">2020</span> <i title="Springer Science and Business Media LLC"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/rawy3qonz5cxhl2uowvsiu4vkm" style="color: black;">Future Business Journal</a> </i> &nbsp;
This study analyzes the adequacy of borrower's classification models using a Brazilian bank's loan database, and exploring machine learning techniques.  ...  Comparisons are analyzed based on usual classification performance metrics. Our results show that Random Forest and Adaboost perform better when compared to other models.  ...  All authors read and approved the final manuscript. All authors contributed equally to this work.  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.1186/s43093-020-00041-w">doi:10.1186/s43093-020-00041-w</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/zpr3uj2lfvb7be5zhkfn4ptf4a">fatcat:zpr3uj2lfvb7be5zhkfn4ptf4a</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20201116183948/https://fbj.springeropen.com/track/pdf/10.1186/s43093-020-00041-w.pdf" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/3d/1f/3d1f4bf6cabbb166ac2fe0b2543076d29e45a397.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.1186/s43093-020-00041-w"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> springer.com </button> </a>

Challenges of Financial Risk Management: AI Applications

Vesna Bogojevic Arsic
<span title="2021-04-28">2021</span> <i title="Faculty of Organizational Sciences"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/j2jpknbkejfjfh6ozn4vopturu" style="color: black;">Management</a> </i> &nbsp;
Tools: The relevant literature systematization was used to provide answers to the question to what extent AI techniques (especially machine learning) could be used in managing financial risk management  ...  Findings: Artificial intelligence largely improved the market risk and credit risk management through data preparation, modelling risk, stress testing and model validation.  ...  The paper, as best presented in the session "Transformation of financial servieces", has been recommended for further extension and review in the Management: Journal of Sustainable Business and Management  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.7595/management.fon.2021.0015">doi:10.7595/management.fon.2021.0015</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/3tpozph4tjcktafm67iu5swgl4">fatcat:3tpozph4tjcktafm67iu5swgl4</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20210817053312/http://management.fon.bg.ac.rs/index.php/mng/article/download/387/235" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/55/5f/555f8405839cfb2b2ec7fb867a6d688eaf34661c.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.7595/management.fon.2021.0015"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>

A Machine Learning Framework for Improving Classification Performance on Credit Approval

Pulung Hendro Prastyo, Septian Eko Prasetyo, Shindy Arti
<span title="2021-06-30">2021</span> <i title="Al-Jamiah Research Centre"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/gvhyderwzjebfjund4d2k2mg4m" style="color: black;">IJID (International Journal on Informatics for Development)</a> </i> &nbsp;
To address the problem, we propose a new approach using the combination of a machine learning algorithm (Naïve Bayes), Information Gain (IG), and discretization in classifying creditors.  ...  The credit score model depends on the type of loan or credit and is complemented by various credit factors.  ...  Data Understanding In this study, the Australian Credit Approval data at the UCI Machine Learning Repository is used as a dataset containing 690 instances of data regarding credit card application in Quinlan  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.14421/ijid.2021.2384">doi:10.14421/ijid.2021.2384</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/cbxlgz5yorcp7bj3ylusplqpg4">fatcat:cbxlgz5yorcp7bj3ylusplqpg4</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20211008054843/http://ejournal.uin-suka.ac.id/saintek/ijid/article/download/2384/2206" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/85/67/8567e286e9592e7acccae7171293a0623936c052.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.14421/ijid.2021.2384"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>

Ten-year evolution on credit risk research: a systematic literature review approach and discussion

Fernanda Medeiros Assef, Maria Teresinha Arns Steiner
<span title="">2020</span> <i title="Universidad Nacional de Colombia"> <a target="_blank" rel="noopener" href="https://fatcat.wiki/container/32tevzdg2nh4rbkffaq5beuz2y" style="color: black;">Ingeniería e Investigación</a> </i> &nbsp;
In this work, a systematic literature review is proposed which considers both "Credit Risk" and "Credit risk" as search parameters to answer two main research questions: are machine learning techniques  ...  Different steps were followed to select the papers for the analysis, as well as the exclusion criteria, in order to verify only papers with Machine Learning approaches.  ...  Acknowledgments This study was partially funded by PUCPR and by the Coordination for the Improvement of Education Personnel -Brazil (CAPES, represented by thefirst author) and by the National Council for  ... 
<span class="external-identifiers"> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.15446/ing.investig.v40n2.78649">doi:10.15446/ing.investig.v40n2.78649</a> <a target="_blank" rel="external noopener" href="https://doaj.org/article/49fab6209b7f4390938e44fa1c83b518">doaj:49fab6209b7f4390938e44fa1c83b518</a> <a target="_blank" rel="external noopener" href="https://fatcat.wiki/release/tm5glc2tz5hddmlfqaznc5na4q">fatcat:tm5glc2tz5hddmlfqaznc5na4q</a> </span>
<a target="_blank" rel="noopener" href="https://web.archive.org/web/20201128031952/https://revistas.unal.edu.co/index.php/ingeinv/article/download/78649/75181" title="fulltext PDF download" data-goatcounter-click="serp-fulltext" data-goatcounter-title="serp-fulltext"> <button class="ui simple right pointing dropdown compact black labeled icon button serp-button"> <i class="icon ia-icon"></i> Web Archive [PDF] <div class="menu fulltext-thumbnail"> <img src="https://blobs.fatcat.wiki/thumbnail/pdf/ef/0e/ef0e7ca04fdc23ec1a66d85df42f47bf28dd1c9a.180px.jpg" alt="fulltext thumbnail" loading="lazy"> </div> </button> </a> <a target="_blank" rel="external noopener noreferrer" href="https://doi.org/10.15446/ing.investig.v40n2.78649"> <button class="ui left aligned compact blue labeled icon button serp-button"> <i class="unlock alternate icon" style="background-color: #fb971f;"></i> Publisher / doi.org </button> </a>
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