Accurate prediction of traffic flow in urban networks is of great significance for smart city
management. A short-term traffic flow prediction algorithm of Quantum Genetic Algorithm …

Online peer-to-peer (P2P) lending is a new form of loans. Different from traditional banks,
lenders provide loans to borrowers directly through P2P platforms. Since many P2P loans …

As online P2P loans in automotive financing grows, there is a need to manage and control
the credit risk of the personal auto loans. In this paper, the personal auto loans data sets on …

Given its importance in financial risk management, credit risk analysis, since its introduction
in 1950, has been a major influence both in academic research and in practical situations. In …

Financial institutions, by and large, rely on the use of machine learning techniques to
improve the classic credit risk assessment model for reduction of costs, delivery of faster …

Purpose With the rapid growth of the domestic lending industry, assessing whether the
borrower of each loan is at risk of default is a pressing issue for financial institutions …

In this paper, we analyze the main characteristics of European Small and Medium
Enterprises (SMEs), related to the demand for and access to external financial resources …

Megacities occupy an important position in the country they locate and even the whole
world. Therefore it is of great significance to investigate the evolution mechanism of …

This paper examines the post-pandemic performance of micro, small, and medium-sized
firms using Self-Organizing Maps (SOMs), a type of Artificial Neural Network that groups …

Financial inclusion increases savings, promotes investment and the expansion of the
domestic market, and consequently favors economic growth. In this work, the evolution of a …