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Credit card application assessment using a neuro- fuzzy classification system

Zopounidis Konstantinos, Doumpos, Michael, Kitsios ,E

Απλή Εγγραφή


URIhttp://purl.tuc.gr/dl/dias/2F9682F0-FCF5-4892-8947-D97C9EBF0FB5-
Γλώσσαen-
Μέγεθος24 pagesen
Τίτλος Credit card application assessment using a neuro- fuzzy classification systemen
ΔημιουργόςZopounidis Konstantinosen
ΔημιουργόςΖοπουνιδης Κωνσταντινοςel
ΔημιουργόςDoumpos, Michaelen
ΔημιουργόςKitsios ,E en
ΠερίληψηCredit cards constitute one of the most common forms of consumer loans. The main purpose of this paper is to apply fuzzy data analysis to the credit scoring problem. A neuro-fuzzy classification technique is compared to the logis- tic regression approach and novel machine learning algorithms that are currently being investigated as credit scoring methods. The 10-fold cross-validation procedure is performed to analyze the generalization properties and the robustness of the developed models. Neuro-fuzzy classification sys- tems allow for prior knowledge to be imbedded in the analysis and utilize human expertise in the form of fuzzy if then rules to provide an insight into the reasoning mechanism behind the credit approval/rejection decision. This feature is particularly useful in financial applications such as credit granting, where credit analysts should be in a position to provide an explanation for their decisionsen
ΤύποςPeer-Reviewed Journal Publicationen
ΤύποςΔημοσίευση σε Περιοδικό με Κριτέςel
Άδεια Χρήσηςhttp://creativecommons.org/licenses/by/4.0/en
Ημερομηνία2015-10-28-
Ημερομηνία Δημοσίευσης2006-
Θεματική ΚατηγορίαCapability, Financial (Financial literacy)en
Θεματική ΚατηγορίαFinancial capability (Financial literacy)en
Θεματική ΚατηγορίαLiteracy, Financialen
Θεματική Κατηγορίαfinancial literacyen
Θεματική Κατηγορίαcapability financial financial literacyen
Θεματική Κατηγορίαfinancial capability financial literacyen
Θεματική Κατηγορίαliteracy financialen
Βιβλιογραφική ΑναφοράE. Kitsios, M. Doumpos , C. Zopounidis ," Credit card application assessment using a neuro- fuzzy classification system," Fuzzy Ec. Review, vol. 11, no. 1,pp. 3-26,2006.en

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