Essays about: "Erik Hamberg"

Found 1 essay containing the words Erik Hamberg.

  1. 1. Credit Scoring Based on Behavioural Data

    University essay from KTH/Skolan för elektroteknik och datavetenskap (EECS)

    Author : Daniel Bouvin; Erik Hamberg; [2022]
    Keywords : Banking; Behavior; Behaviour; Credit Modelling; Klarna; Logistic Regression; Machine Learning; Neural Networks; Random Forests; XGBoost;

    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