There is an increasing influence of machine learning in business applications, with many
solutions already implemented and many more being explored. Since the global financial …

Credit risk assessment is a crucial element in credit risk management. With the extensive
research on consumer credit risk assessment in recent decades, the abundance of literature …

Credit scoring is an effective tool for banks to properly guide decision profitably on granting
loans. Ensemble methods, which according to their structures can be divided into parallel …

Given the large amount of customer data available to financial companies, the use of
traditional statistical approaches (eg, regressions) to predict customers' credit scores may …

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 …

In the past few decades, credit scoring has become an increasing concern for financial
institutions and is currently a popular topic of research. This study aims to generate a novel …

Credit rating is an important part of bank credit risk management. Since the traditional radial
basis function network model is more susceptible to outliers and cannot effectively process …

The banking, financial services, and insurance (BFSI) sector is one of the earliest and most
prominent adopters of artificial intelligence (AI). However, academic research substantially …

In the recent decades, credit scoring has become a very important analytical resource for
researchers and financial institutions around the world. It helps to boost both profitability and …

Extensive research has been performed by organizations and academics on models for
credit scoring, an important financial management activity. With novel machine learning …