The use of credit for various occasions has become a routine in our lives. In return, banking
and financial institutions require to determine whether the loan demands from them contain …

To enhance the accuracy of predicting a borrower's likelihood to repay their debt to a lender,
a comprehensive approach is necessary. The loan approval process involves a …

Coupon marketing is one of the oldest and most effective business marketing methods, in
which special offers on products or services entice clients. This paper proposes a framework …

Esta revisión analiza una selección de artículos científicos sobre la implantación de
sistemas de evaluación del riesgo de crédito para identificar las soluciones existentes, las …

This review analyzes a selection of scientific articles on the implementation of Credit Risk
Assessment (CRA) systems to identify existing solutions, the most accurate ones, and …

Forecasting the creditworthiness of customers in new and existing loan contracts is a central
issue of lenders' activity. Credit scoring involves the use of analytical methods to transform …

Financial risk management is increasingly focusing on credit risk analysis. The difficulty in
this situation is to find insights into the performance of the finance sector using machine …

It is not an easy task to estimate the likelihood that a borrower will fulfill his or her duty to the
lender (bank). There are several factors to take into account before deciding whether to …

Credit risk forms an integral part of any financial institution, and the onset of COVID-19
pandemic warrants assessment of credit risk on priority. Applicability of machine learning …