Credit Risk Management: Basic Concepts is the first book of a series of three with the
objective of providing an overview of all aspects, steps, and issues that should be …

Multiple classifier systems combine several individual classifiers to deliver a final
classification decision. In this paper the performance of several multiple classifier systems …

With the rapid growth of consumer credit and the huge amount of financial data developing
effective credit scoring models is very crucial. Researchers have developed complex credit …

The main aim of this paper is to help bank management in scoring credit card clients using
machine learning by modelling and predicting the consumer behaviour concerning three …

This paper examines how statistical credit-scoring technologies, sanctioned by the state in
the interests of promoting equality, became applied by lenders to the problem of controlling …

We present discrete time survival models of borrower default for credit cards that include
behavioural data about credit card holders and macroeconomic conditions across the credit …

It is commonly imagined that in recent years the rampant growth of consumer credit has
lured American consumers into a crippling state of indebtedness, a state that has upended …

The inclusion of time-varying covariates into survival analysis has led to better predictions of
the time to default in behavioural credit scoring models. However, when these time-varying …

The consumer credit market is experiencing unprecedented change, increased competition,
and new challenges. To cope with these developments, increasingly sophisticated …

Importance of early prediction of bad creditors has been increasing extensively. In this
paper, we propose a behavioral scoring model which dynamically accommodates the …