Online peer-to-peer lending: A review of the literature
This study reviews the literature of online peer-to-peer (P2P) lending from 2008 until 2020
as an emergent but fast spreading phenomenon in the context of digital finance. Previous …
as an emergent but fast spreading phenomenon in the context of digital finance. Previous …
Consumer credit risk assessment: A review from the state-of-the-art classification algorithms, data traits, and learning methods
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 …
research on consumer credit risk assessment in recent decades, the abundance of literature …
Application of RBF neural network optimal segmentation algorithm in credit rating
X Li, Y Sun - Neural Computing and Applications, 2021 - Springer
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 …
basis function network model is more susceptible to outliers and cannot effectively process …
Online peer-to-peer lending platform and supply chain finance decisions and strategies
AA Taleizadeh, AZ Safaei, A Bhattacharya… - Annals of Operations …, 2022 - Springer
Online peer-to-peer (P2P) lending platform is an emerging FinTech business model that
establishes a link between investors and recipients of capital in supply chains (SCs) …
establishes a link between investors and recipients of capital in supply chains (SCs) …
Big data, artificial intelligence and machine learning: A transformative symbiosis in favour of financial technology
DK Nguyen, G Sermpinis… - European Financial …, 2023 - Wiley Online Library
This paper uses a multidimensional descriptive analysis to familiarize the reader with the
extent of penetration of big data, artificial intelligence (AI) and machine learning (ML) …
extent of penetration of big data, artificial intelligence (AI) and machine learning (ML) …
Wide and deep learning for peer-to-peer lending
This paper proposes a two-stage scoring approach to help lenders decide their fund
allocations in peer-to-peer (P2P) lending market. The existing scoring approaches focus on …
allocations in peer-to-peer (P2P) lending market. The existing scoring approaches focus on …
The value of text for small business default prediction: A deep learning approach
Compared to consumer lending, Micro, Small and Medium Enterprise (mSME) credit risk
modelling is particularly challenging, as, often, the same sources of information are not …
modelling is particularly challenging, as, often, the same sources of information are not …
Graph convolutional network-based credit default prediction utilizing three types of virtual distances among borrowers
Abstract Machine learning models have been actively utilized to quantitatively predict the
default probability based on the personal information obtained from loan applicants …
default probability based on the personal information obtained from loan applicants …
Predicting loan default in peer‐to‐peer lending using narrative data
Y Xia, L He, Y Li, N Liu, Y Ding - Journal of Forecasting, 2020 - Wiley Online Library
Abstract Peer‐to‐peer (P2P) lending is facing severe information asymmetry problems and
depends highly on the internal credit scoring system. This paper provides a novel credit …
depends highly on the internal credit scoring system. This paper provides a novel credit …
Mining semantic soft factors for credit risk evaluation in peer-to-peer lending
ABSTRACT While Peer-to-Peer (P2P) lending is rapidly growing, it is also accompanied by
high credit risk due to information asymmetry. Besides conventional hard information, soft …
high credit risk due to information asymmetry. Besides conventional hard information, soft …