相关论文: Classification methods applied to credit scoring: …

Credit card frauds are at an ever-increasing rate and have become a major problem in the financial sector. Because of these frauds, card users are hesitant in making purchases and both the merchants and financial institutions bear heavy…

Binary classification is a task that involves the classification of data into one of two distinct classes. It is widely utilized in various fields. However, conventional classifiers tend to make overconfident predictions for data that…

Credit ratings are one of the primary keys that reflect the level of riskiness and reliability of corporations to meet their financial obligations. Rating agencies tend to take extended periods of time to provide new ratings and update…

Two indicators are classically used to evaluate the quality of rule-based classification systems: predictive accuracy, i.e. the system's ability to successfully reproduce learning data and coverage, i.e. the proportion of possible cases for…

The propensity score is a common tool for estimating the causal effect of a binary treatment in observational data. In this setting, matching, subclassification, imputation, or inverse probability weighting on the propensity score can…

Systematic reviews are essential to summarizing the results of different clinical and social science studies. The first step in a systematic review task is to identify all the studies relevant to the review. The task of identifying relevant…

Nowadays consumer loan plays an important role in promoting the economic growth, and credit cards are the most popular consumer loan. One of the most essential parts in credit cards is the credit limit management. Traditionally, credit…

Context: The importance of feature modeling languages for software product lines and the planning stage for a systematic literature review. Objective: A protocol for carrying out a systematic literature review about the evidence for…

The traditional binary classification framework constructs classifiers which may have good accuracy, but whose false positive and false negative error rates are not under users' control. In many cases, one of the errors is more severe and…

Banks and financial institutions all over the world manage portfolios containing tens of thousands of customers. Not all customers are high credit-worthy, and many possess varying degrees of risk to the Bank or financial institutions that…

The exponential growth of textual data presents substantial challenges in management and analysis, notably due to high storage and processing costs. Text classification, a vital aspect of text mining, provides robust solutions by enabling…

In the current landscape of ever-increasing levels of digitalization, we are facing major challenges pertaining to scalability. Recommender systems have become irreplaceable both for helping users navigate the increasing amounts of data…

In strategic classification, an institution (e.g., a bank) anticipates adaptation from users who change their features to increase utility in a classification task (e.g., loan repayment). Since a key challenge is the distribution shift…

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…

The paper is aware of the importance of certain figures that are essential to an understanding of Credit Scoring models in credit acceptance process optimization, namely if the power of discrimination measured by Gini value is increased by…

In order to track and comprehend the academic achievement of students, both private and public educational institutions devote a significant amount of resources and labour. One of the difficult issues that institutes deal with on a regular…

This paper presents two cases of random banking data generators based on migration matrices and scoring rules. The banking data generator is a new hope in researches of finding the proving method of comparisons of various credit scoring…

Overrides of credit ratings are important correctives of ratings that are determined by statistical rating models. Financial institutions and banking regulators agree on this because on the one hand errors with ratings of corporates or…

Many binary classification problems minimize misclassification above (or below) a threshold. We show that instances of ranking problems, accuracy at the top or hypothesis testing may be written in this form. We propose a general framework…

With the increase of credit card usage, the volume of credit card misuse also has significantly increased. As a result, financial organizations are working hard on developing and deploying credit card fraud detection methods, in order to…