Essays about: "Credit Scoring"
Showing result 1 - 5 of 30 essays containing the words Credit Scoring.
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1. The Power of Credit Scoring: Evaluating Machine Learning and Traditional Models in Swedish Retail Banking
University essay from Göteborgs universitet/Graduate SchoolAbstract : In this paper, we investigate and compare different credit scoring models, with special attention paid to machine learning approaches outperforming traditional models. We explore a recently proposed method called the PLTR model, which is a combination of machine learning and traditional logistic regression. READ MORE
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2. Explainable Artificial Intelligence and its Applications in Behavioural Credit Scoring
University essay from Stockholms universitet/Institutionen för data- och systemvetenskapAbstract : Credit scoring is critical for banks to evaluate new loan applications and monitor existing customers. Machine learning has been extensively researched for this case; however, the adoption of machine learning methods is minimal in financial risk management. READ MORE
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3. A Gradient Boosting Tree Approach for Behavioural Credit Scoring
University essay from KTH/Matematisk statistikAbstract : This report evaluates the possibility of using sequential learning in a material development setting to help predict material properties and speed up the development of new materials. To do this a Random forest model was built incorporating carefully calibrated prediction uncertainty estimates. READ MORE
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4. Credit scoring using Logistic regression
University essay from Mälardalens universitet/Akademin för utbildning, kultur och kommunikationAbstract : In this thesis, we present the use of logistic regression method to develop a credit scoring modelusing the raw data of 4447 customers of a bank. The data of customers is collected under 14independent explanatory variables and 1 default indicator. The objective of this thesis is toidentify optimal coefficients. READ MORE
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5. Credit Scoring Based on Behavioural Data
University essay from KTH/Skolan för elektroteknik och datavetenskap (EECS)Abstract : Credit modelling has traditionally been done by credit institutes based on financial data about the individuals requesting the credit. While this has been sufficient in lowering risk in developed economies with plenty of financial data it is inefficient in developing economies and fails to reach the unbanked population. READ MORE