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Credit scoring has been regarded as a critical topic and studied extensively in the finance field. Many artificial intelligence techniques have been used to solve credit scoring. The paper is to build a classification model based on a decision tree by learning historical data. Clustering algorithm and genetic algorithm are combined to further improve the accuracy of this credit scoring model. The...
Credit scoring has obtained more and more attention as the credit industry can benefit from reducing potential risks. Hence, many different useful techniques, known as the credit scoring models, have been developed by the banks and researchers in order to solve the problems involved during the evaluation process. In this paper, a hybrid credit scoring model (HCSM) is developed to deal with the credit...
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