Essays about: "Kreditvärdighet"

Showing result 1 - 5 of 17 essays containing the word Kreditvärdighet.

  1. 1. From Data to Decision: : Using Logistic Regression to Determine Creditworthiness

    University essay from KTH/Matematisk statistik

    Author : Joel Norling; Sami Abdu; [2023]
    Keywords : Bachelor Thesis; Scorecard modeling; Mathematical Statistics; Logistic Regression; Consumer Credits; Binning; Kandidatuppsats; Scorecard-modellering; Matematisk statistik; Logistisk regression; Konsumentkrediter; Binning;

    Abstract : The development of scorecards for customer credit rating is a well-established field in the financial sector. The aim of this project, conducted in collaboration with a Swedish credit institute, was to develop a statistical model for predicting customer performance. READ MORE

  3. 2. The Impact of the Recession on Swedish Real Estate Companies : A Study of Financial Strategy and Risk Management of Companies with Different Credit Ratings

    University essay from KTH/Fastighetsföretagande och finansiella system

    Author : Greta Aronsson; Elsa Johannessen; [2023]
    Keywords : Credit Rating; Financial Strategy; Risk Management; Capital Structure; Capital Market Financing; Bank Financing; Real Estate Market; Kreditbetyg; Finansiell strategi; Riskhantering; Kapitalstruktur; Kapitalmarknadsfinansiering; Bankfinansiering; Fastighetsmarknaden;

    Abstract : The world's economies are in a turbulent phase where rising inflation has hit the global and Swedish economy hard. The Central Bank of Sweden has raised the policy rate expansively in recent months, with the intention of curbing inflation. READ MORE

  4. 3. 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

  5. 4. Capabilities and Processes to Mitigate Risks Associated with Machine Learning in Credit Scoring Systems : A Case Study at a Financial Technology Firm

    University essay from KTH/Skolan för industriell teknik och management (ITM)

    Author : Jakob Pehrson; Sara Lindstrand; [2022]
    Keywords : Trustworthy AI; Credit Scoring; Digital Capabilities; Fintech; Etisk AI; Kreditvärdighet; Digitala Förmågor; Fintech;

    Abstract : Artificial intelligence and machine learning has become an important part of society and today businesses compete in a new digital environment. However, scholars and regulators are concerned with these technologies' societal impact as their use does not come without risks, such as those stemming from transparency and accountability issues. READ MORE

  6. 5. Comparison of Logistic Regression and an Explained Random Forest in the Domain of Creditworthiness Assessment

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

    Author : Marcus Ankaräng; Jakob Kristiansson; [2021]
    Keywords : Classification; Creditworthiness; Explainable Artificial Intelligence; Logistic Regression; Machine Learning; Random Forest; SHAP; XAI;

    Abstract : As the use of AI in society is developing, the requirement of explainable algorithms has increased. A challenge with many modern machine learning algorithms is that they, due to their often complex structures, lack the ability to produce human-interpretable explanations. READ MORE