[HTML][HTML] Credit scoring methods: Latest trends and points to consider

A Markov, Z Seleznyova, V Lapshin - The Journal of Finance and Data …, 2022 - Elsevier
Credit risk is the most significant risk by impact for any bank and financial institution.
Accurate credit risk assessment affects an organisation's balance sheet and income …

A review of sequential three-way decision and multi-granularity learning

X Yang, Y Li, T Li - International Journal of Approximate Reasoning, 2023 - Elsevier
The concept of three-way decision, interpreted and described as thinking, problem solving,
and information processing in “threes”, has been widely studied and applied in machine …

[HTML][HTML] Three-way granular computing, rough sets, and formal concept analysis

Y Yao - International Journal of Approximate Reasoning, 2020 - Elsevier
Three-way granular computing is a paradigm of thinking and information processing in three
granules. We introduce a framework of three-way granular computing based on a hexagon …

Three-way decision making approach to conflict analysis and resolution using probabilistic rough set over two universes

B Sun, X Chen, L Zhang, W Ma - Information Sciences, 2020 - Elsevier
Conflict analysis aims to identify the intrinsic reasons and find a feasible consensus strategy
for a conflict situation. Rough set theory was used to study conflict analysis decision-making …

Multi-granularity three-way decisions with adjustable hesitant fuzzy linguistic multigranulation decision-theoretic rough sets over two universes

C Zhang, D Li, J Liang - Information Sciences, 2020 - Elsevier
The notion of hesitant fuzzy linguistic term sets (HFLTSs), which enables experts to utilize a
few possible linguistic terms to evaluate varieties of common qualitative information, plays a …

Three-way enhanced convolutional neural networks for sentence-level sentiment classification

Y Zhang, Z Zhang, D Miao, J Wang - Information Sciences, 2019 - Elsevier
Deep neural network models have achieved remarkable results in sentiment classification.
Traditional feature-based methods perform slightly worse than deep learning methods in …

[HTML][HTML] Three-stage reject inference learning framework for credit scoring using unsupervised transfer learning and three-way decision theory

F Shen, X Zhao, G Kou - Decision Support Systems, 2020 - Elsevier
There has been significant research into reject inference, with several statistical methods
and machine learning techniques having been employed to infer the possible repayment …

Identifying digital transformation barriers in small and medium-sized construction enterprises: A multi-criteria perspective

ZS Chen, JY Lu, XJ Wang, W Pedrycz - Journal of the Knowledge …, 2024 - Springer
The digitalization of small and medium-sized enterprises within the construction sector is
significantly limited as a result of their distinct characteristics. Despite the potential for …

A conservative approach for online credit scoring

A Ashofteh, JM Bravo - Expert Systems with Applications, 2021 - Elsevier
This research is aimed at the case of credit scoring in risk management and presents a
novel machine learning method to be used for the default prediction of high-risk branches or …

A novel grey multi-criteria three-way decisions model and its application

J Du, S Liu, Y Liu - Computers & Industrial Engineering, 2021 - Elsevier
Three-way decision provides a new research perspective for solving multi-criteria decision-
making problems. Under grey environment and grey decision idea, this paper proposes a …