In recent two decades, artificial neural networks have been extensively used in many
business applications. Despite the growing number of research papers, only few studies …

The need for controlling and effectively managing credit risk has led financial institutions to
excel in improving techniques designed for this purpose, resulting in the development of …

Credit scoring is an important tool for banks and lending companies to realize credit risk
exposure management and gain profits. GBDTs, a group of boosting-type ensemble …

We introduce machine learning in the context of central banking and policy analyses. Our
aim is to give an overview broad enough to allow the reader to place machine learning …

Customer credit scoring is a dynamic interactive process. Simply designing the static reward
function for deep reinforcement learning may be difficult to guide an agent to adapt to the …

The assessment of financial credit risk is an important and challenging research topic in the
area of accounting and finance. Numerous efforts have been devoted into this field since the …

Giving loans and issuing credit cards are two of the main concerns of banks in that they
include the risks of non-payment. According to the Basel 2 guidelines, banks need to …

Emergence of peer-to-peer lending has opened an appealing option for micro-financing and
is growing rapidly as an option in the financial industry. However, peer-to-peer lending …

Commercial activities have evolved during the past decade from a single-channel focus and
perspective on business opportunities to a multiple-channel approach, with mobile phones …

Ratio type financial indicators are the most popular explanatory variables in bankruptcy
prediction models. These measures often exhibit heavily skewed distribution because of the …