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Credit scoring is becoming a competitive issue with rapid growth and significant advance. Building a satisfactory credit model has attracted lots of researchers in the past decades and it is still one of the hottest research topics in the field of credit industry. This paper emphasizes on surveying the development of the artificial intelligence technologies for solving credit scoring. It covers algorithms...
One of the key success factors of lending organizations in general and banks in particular is the assessment of borrower credit worthiness in advance during the credit evaluation process. Credit scoring models have been applied by many researchers to improve the process of assessing credit worthiness by differentiating between prospective loans on the basis of the likelihood of repayment. Thus, credit...
Consumer credit prediction is considered as an important issue in the credit industry. The credit department often makes decision which depends on intuitive experience with large risk. This study proposed a new model that hybridized the support vector machine (SVM) and particle swarm optimization (PSO) to evaluate the new consumer's credit score. The hybrid model simultaneously optimizes the SVM kernel...
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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