Lending business crowdfunding (LBC) is an innovative financing tool for small and medium
enterprises (SMEs) and is especially useful in vulnerable and risky markets. To date, little is …

Research background: In a modern economy, full of complexities, ensuring a business'
financial stability, and increasing its financial performance and competitiveness, has …

Profit-driven artificial intelligence (AI) systems and profit-based performance measures are
widely used in credit scoring. When assessing the performance of an AI system for credit …

Credit risk prediction should maximize a bank's loan profit. This paper performs modified
profit-based logistic regression (MPLR) by constructing an objective function with the …

The literature on peer-to-peer loan market performance focuses predominantly on the
microlevel variables connected to individual borrower or loan characteristics. We …

This paper uses a generalised stacking method to introduce a novel hybrid model that
combines a one-dimensional convolutional neural network 1DCNN with extreme gradient …

The existing literature on peer-to-peer (P2P) lending focuses on default rates, regulation, the
relationship with traditional banks, and its impact on individual and corporate lending …

This paper examines the cost of explainability in machine learning models for credit scoring.
The analysis is conducted under the constraint of meeting the regulatory requirements of the …

This paper shows how to improve the measurement of credit scoring by means of factor
clustering. The improved measurement applies, in particular, to small and medium …

This letter analyzes credit risk assessment in the Peer-to-Peer (P2P) lending domain by
leveraging a comprehensive dataset from Bondora, a leading European P2P platform …