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Effective control of credit risk is a key link in the steady operation of commercial banks. This paper is mainly based on the customer information dataset of a foreign commercial bank in Kaggle, and we use LightGBM algorithm to build a…
Bank credit risk is a significant challenge in modern financial transactions, and the ability to identify qualified credit card holders among a large number of applicants is crucial for the profitability of a bank'sbank's credit card…
Today, with respect to the increasing growth of demand to get credit from the customers of banks and finance and credit institutions, using an effective and efficient method to decrease the risk of non-repayment of credit given is very…
In the realm of consumer lending, accurate credit default prediction stands as a critical element in risk mitigation and lending decision optimization. Extensive research has sought continuous improvement in existing models to enhance…
We investigate the application of large language models (LLMs) to construct credit networks from firms' textual financial statements and to analyze the resulting network structures. We start with using LLMs to translate each firm's…
Data is evolving with the rapid progress of population and communication for various types of devices such as networks, cloud computing, Internet of Things (IoT), actuators, and sensors. The increment of data and communication content goes…
It is reported that the number of online payment users in China has reached 854 million; with the emergence of community e-commerce platforms, the trend of integration of e-commerce and social applications is increasingly intense. Community…
Online leading has disrupted the traditional consumer banking sector with more effective loan processing. Risk prediction and monitoring is critical for the success of the business model. Traditional credit score models fall short in…
The use of credit cards has recently increased, creating an essential need for credit card assessment methods to minimize potential risks. This study investigates the utilization of machine learning (ML) models for credit card default…
In contemporary economic society, credit scores are crucial for every participant. A robust credit evaluation system is essential for the profitability of core businesses such as credit cards, loans, and investments for commercial banks and…
The aim of this study is to demostrate that mobile phone usage data can be used to make predictions and find the best classification method for credit scoring even if the dataset is small (2,503 customers). We use different classification…
Using big data to analyze consumer behavior can provide effective decision-making tools for preventing customer attrition (churn) in customer relationship management (CRM). Focusing on a CRM dataset with several different categories of…
Identity theft is a major problem for credit lenders when there's not enough data to corroborate a customer's identity. Among super-apps large digital platforms that encompass many different services this problem is even more relevant;…
The rapid growth of large-scale machine learning (ML) models has led numerous commercial companies to utilize ML models for generating predictive results to help business decision-making. As two primary components in traditional predictive…
Credit scoring is vital in the financial industry, assessing the risk of lending to credit card applicants. Traditional credit scoring methods face challenges with large datasets and data imbalance between creditworthy and non-creditworthy…
Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for…
This paper studies the case of big data-based intelligent product potential customer mining internal competition in China Telecom Shanghai Company. Huge amounts of data based on big data table, the use of machine Learning and data analysis…
Since the 1990s, there have been significant advances in the technology space and the e-Commerce area, leading to an exponential increase in demand for cashless payment solutions. This has led to increased demand for credit cards, bringing…
Automobiles have become the main means of transportation for human beings, and their failures in the process of operation are directly related to the life and property safety of drivers. Therefore, real-time operational status evaluation…
The telecommunications industry is highly competitive, which means that the mobile providers need a business intelligence model that can be used to achieve an optimal level of churners, as well as a minimal level of cost in marketing…