Benchmarking state-of-the-art classification algorithms for credit scoring: An update of research

Cited by (1,000)

Items 601–700 of 1,000

1. A novel code representation for detecting Java code clones using high-level and abstract compiled code representations
   Fahmi H. Quradaa, Sara Shahzad, Rashad S. Almoqbily, Mubarak Mohammed Al‐Ezzi Sufyan · 2024 · PLoS ONE
2. A semi-supervised reject inference framework with hierarchical heterogeneous networks for credit scoring
   Liao Chen, Ning Jia, Zhixian Jiao, Hongke Zhao, Runbang Cui, Huimin Wang · 2024 · International Journal of Forecasting
3. Profit-based uncertainty estimation with application to credit scoring
   Yong Xu, Gang Kou, Daji Ergu · 2025 · European Journal of Operational Research
4. A novel diversity-based selective ensemble method for small sample expert credibility assessment
   Chuanbin Liu, Xiaoming Zhang, Xi Xi, Chenxu Wan, Lean Yu · 2025 · Science China Technological Sciences
5. Combination of feature selection approaches with random binary search and Mahalanobis Taguchi System in credit scoring
   Wan Zuki Azman Wan Muhamad, Khairur Rijal Jamaludin, Siti Aisyah Zakaria, Zainor Ridzuan Yahya, Syafawati Ab. Saad · 2018 · AIP conference proceedings
6. Artificial Intelligence: the Application of Machine Learning and Predictive Analytics in Credit Risk
   Cerved, Stefano Bonini, Giuliana Caivano, Accenture · 2021 · Risk Management Magazine
7. Modeling Credit Risk: A Category Theory Perspective
   Son Tran, Dan V. Nicolau, Richi Nayak, Peter Verhoeven · 2021 · Journal of risk and financial management
8. Determinants of SMEs liquidation: board heterogeneity and applicability of survival models
   Ba Hung HUng Nguyen, Nhat Bao Quyen Pham, Thi Hong Ha · 2022 · Studies in Economics and Finance
9. Data Mining Techniques: Modern Approaches to Application in Credit Scoring
   V.S. Volkova, V. B. Gisin, V.I. Solov'ev · 2017 · Digest Finance
10. Adaptively Promoting Diversity in a Novel Ensemble Method for Imbalanced Credit-Risk Evaluation
    Yitong Guo, Jie Mei, Zhiting Pan, Haonan Liu, Weiwei Li · 2022 · Mathematics
11. Small and Medium-sized Enterprises Credit Risk Assessment Based on Temporal Knowledge Graphs
    Chuanyang Hong, Meng Tan, Siyu Wang, Junliang Wang, Mu Li, Jiangtao Qiu · 2021 · IEEE International Conference on Cognitive Informatics & Cognitive Computing (ICCI*CC)
12. Discriminating the default risk of small enterprises: Stacking model with different optimal feature combinations
    Guotai Chi, Xv Huang, Ying Nan Zhou, Xiubin Guo · 2023 · Expert Systems with Applications
13. Credit Risk Scoring Using a Data Fusion Approach
    Ayoub El Qadi, Maria Trocan, Patricia Conde-Céspedes, Thomas Frossard, Natalia Díaz-Rodríguez · 2023 · Lecture notes in computer science
14. Efficient perturbation techniques for preserving privacy of multivariate sensitive data
    Mahbubur Rahman, Mahit Kumar Paul, A.H.M. Sarowar Sattar · 2023 · Array
15. A novel profit-based validity index approach for feature selection in credit risk prediction
    Meng Pang, Zhe Li · 2023 · AIMS Mathematics
16. Decision trees and ensemble learning
    Qiao Dong, Xueqin Chen, Baoshan Huang · 2024 · Elsevier eBooks
17. Gamma–lindley regression cure model for corporate credit default prediction
    Fatma Chakroun, Lobna Abid, Dorsaf Elarbi, Afif Masmoudi · 2024 · Expert Systems with Applications
18. Flexible multi-class cost-sensitive thresholding
    Jorge C-Rella, International Society for Nonparametric Statistics 2014 Cádiz, Juan Manuel Vilar Fernández · 2025 · Advances in Data Analysis and Classification
19. An integrated approach of system dynamics simulation and fuzzy inference system for retailers’ credit scoring
    Vahid Baradaran, Maryam Keshavarz · 2015 · Economic Research-Ekonomska Istraživanja
20. Introducing a Vector Space Model to Perform a Proactive Credit Scoring
    Roberto Saia, Salvatore Carta · 2018 · Communications in computer and information science
21. Credit Risk Analysis Applying Machine Learning Classification Models
    René Meléndez · 2019 · Advances in intelligent systems and computing
22. Sharpening the Accuracy of Credit Scoring Models with Machine Learning Algorithms
    Massimo Guidolin, Manuela Pedio · 2021 · Springer eBooks
23. Sustainable hydroelectric power project planning under socio-economic and environmental concerns using Index based approach
    Neha Chhabra Roy, N.G. Roy · 2022 · Built Environment Project and Asset Management
24. A Novel Deep Neural Network Model for Credit Risk Prediction of Chinese Farmers
    Yalong Xie, Aiping Li, Ziniu Liu, Kai Chen, Hongkui Tu · 2021 · IEEE International Conference on Data Science in Cyberspace
25. Conventional and neural network target-matching methods dynamics: The information technology mergers and acquisitions market in the USA
    I. Anagnostopoulos, Anas Rizeq · 2021 · Intell. Syst. Account. Finance Manag.
26. CACP: Classification Algorithms Comparison Pipeline
    Sylwester Czmil, Jacek Kluska, Anna Czmil · 2022 · SoftwareX
27. Measuring Fairness in Credit Scoring
    Ying Chen, Paolo Giudici, Kailiang Liu, Emanuela Raffinetti · 2022 · SSRN Electronic Journal
28. Artificial Intelligence and Relationship Lending
    Leonardo Gambacorta, Stefano Schiaffi, Fabiana Sabatini · 2025 · SSRN Electronic Journal
29. A Two‐Stage Interpretable Model to Explain Classifier in Credit Risk Prediction
    Lu Wang, Zecheng Yu, Jingling Ma, Xiaofang Chen, Chong Wu · 2025 · Journal of Forecasting
30. Trends and Trajectories: A Bibliometric Analysis of Financial Risk (2015–2024)
    Jiajia Liu, Yibin Liu, Lijun Ren, Xuerong Li, Shouyang Wang · 2025 · International Journal of Financial Studies
31. Stacking-based heterogeneous genetic programming for interpretable credit risk evaluation
    Zixue Zhao, Qiao Lin, Yiran Li, Yue Li, Tianxiang Cui · 2025 · Applied Soft Computing
32. Bankruptcy forecasting — Market information with ensemble model
    Yi Cao, Yi Luo, Peng Wei, Jia Zhai, Shimeng Shi · 2024 · The British Accounting Review
33. Life event-based marketing using AI
    Arno De Caigny, Kristof Coussement, Steven Hoornaert, Matthijs Meire · 2025 · Journal of Business Research
34. Metamorphic Testing and exploration for Machine Learning credit score models
    Zhihao Ying, Anthony Graham Bellotti, Joseph L. Breeden, Dave Towey · 2025 · Information and Software Technology
35. Improved surface settlement prediction for double-line shield tunnelling using snake optimization algorithm
    Gang Wang, Chao Chen, Huapei Yuan, Chaofan Yao, Jenisha Singh · 2025 · Tunnelling and Underground Space Technology
36. Data Analytics for Developing and Validating Credit Models
    Michael Doumpos, Christos Lemonakis, Dimitrios Niklis, Constantin Zopounidis · 2018 · EURO advanced tutorials on operational research
37. Explainable Model of Credit Risk Assessment Based on Convolutional Neural Networks
    Carlos Cardenas-Ruiz, Andres Méndez-Vázquez, Luis M. Ramirez-Solis · 2022 · Lecture notes in computer science
38. Loan Default Prediction in Microfinance Group Lending with Machine Learning
    Kadek Dwi Pradnyana, Raden Aswin Rahadi · 2023 · International Journal of Business and Technology Management
39. Some Insights about the Applicability of Logistic Factorisation Machines in Banking
    Erika Slabber, Tanja Verster, Riaan de Jongh · 2023 · Risks
40. AI said, She said - How Users Perceive Consumer Scoring in Practice
    Lena Recki, Margarita Esau, Dennis Lawo, Gunnar Stevens · 2023 · Mensch und Computer (MuC)
41. A Novel Fuzzy Unsupervised Quadratic Surface Support Vector Machine Based on DC Programming: An Application to Credit Risk Management
    Tao Yu, Wei Wayne Huang, Xin Tang · 2023 · Mathematics
42. Machine Learning-Based Loan Default Prediction: Models, Insights, And Performance Evaluation In Peer-To-Peer Lending Platforms
    E.Srinivas Jayaram · 2024
43. Clustering based fuzzy classification with a noise cluster in detecting fraud in insurance
    Oguz Koc, Furkan Başer, Sevtap Kestel · 2024 · Applied Soft Computing
44. Machine learning–based prediction of unconfined compressive strength and contaminant leachability in dredged contaminated sediments for land reclamation projects
    Aamir Khan Mastoi, Saifal Hameed, Mutahar Ali, Abdoul Fatah Traore · 2025 · Environmental Science and Pollution Research
45. Advancing digitalization and transformation: A network analysis with future research directions
    Ruiyang Xu, He Liu · 2024 · Journal of Digital Economy
46. Improving regulatory capital allocation: a case for the internal ratings-based approach for retail credit risk exposures
    Robert M. Stewart · 2021 · Journal of Financial Regulation and Compliance
47. Ensemble methods for credit scoring of Chinese peer-to-peer loans
    Wei Cao, Yun He, Wenjun Wang, Weidong Zhu, Yves Demazeau · 2021 · The Journal of Credit Risk
48. Kelly Criterion for Optimal Credit Allocation
    Son Tran, Peter Verhoeven · 2021 · Journal of risk and financial management
49. Data Mining the City: User Demands through Social Media
    Hülya SOYDAŞ ÇAKIR, Vecdi Emre Levent · 2021 · Iconarp International J of Architecture and Planning
50. Fuzzy MLKNN in Credit User Portrait
    Zhuangyi Zhang, Lu Han, Muzi Chen · 2022 · Applied Sciences
51. Responsible access to credit for sole-traders and micro-organizations under unstable market conditions with psychometrics
    Diederick Van Thiel, Karen Elliott, John Goedee, Roger Leenders · 2024 · European Journal of Finance
52. Probability of Default Modeling: A Machine Learning Approach
    Stefano Bonini, Giuliana Caivano · 2018 · Springer eBooks
53. Machine Learning and Forecasting: A Review
    Petrus H. Potgieter · 2020 · Springer eBooks
54. Increasing Accuracy of Ensemble Logistics Regression Classifier by Estimating the Newton Raphson Parameter in Credit Scoring
    Firman Aziz, Armin Lawi, Edy Budiman · 2019 · IEEE International Conference on Computing, Engineering and Design (ICCED)
55. Machine Learning in Credit Risk Modeling: Empirical Application of Neural Network Approaches
    Mohammad Shamsu Uddin · 2021 · Studies in computational intelligence
56. Financial Disintermediation: The Case of Peer-to-Peer Lending
    Petr Teplý, Yael Roshwalb, Michal Polena · 2021 · Springer eBooks
57. Adjusting Parameters of the Classifiers in Multiclass Classification
    Daniel Kostrzewa, Robert Brzeski · 2017 · Communications in computer and information science
58. Alternatives for Telco Data Network: The Value of Spatial and Referral Networks for Churn Detection
    C. Colot, Philippe Baecke, I. Linden · 2021 · Information systems management
59. How Magic a Bullet Is Machine Learning for Credit Analysis? An Exploration with FinTech Lending Data
    J. Christina Wang, Charles B. Perkins · 2019 · Working paper series
60. Profit-oriented sales forecasting: a comparison of forecasting techniques from a business perspective
    Tine Van Calster, Filip Van den Bossche, Bart Baesens, Wilfried Lemahieu · 2020 · RePEc: Research Papers in Economics
61. An Overview on the Landscape of R Packages for Credit Scoring
    Gero Szepannek · 2020 · arXiv (Cornell University)
62. A Bayesian approach to modeling mortgage default and prepayment
    Arnab Bhattacharya, Simon Wilson, Refik Soyer · 2018 · European Journal of Operational Research
63. Modelling Sovereign Credit Ratings: Evaluating the Accuracy and Driving Factors using Machine Learning Techniques
    Bart H. L. Overes, Michel van der Wel · 2022 · Computational Economics
64. An Ensemble Model Minimising Misjudgment Cost: Empirical Evidence From Chinese Listed Companies
    Kunpeng Yuan, Mohammad Zoynul Abedin, Petr Hájek · 2025 · International Journal of Finance & Economics
65. Fuzzy Multinomial Logistic Regression Analysis and Its Applications to Sovereign Credit Ratings
    Jin Hee Yoon, Yoo Young Koo, Wonkyung Lee, Dae Jong Kim · 2025 · International Journal of Fuzzy Systems
66. Machine learning based classification and regression approaches for return and risk prediction in the stock market using fundamental feature engineering
    Hossein Rezaei, Mohsen Hooshmand, Kamran Abdi · 2025 · Discover Analytics
67. Domain-Constrained Stacking Framework for Credit Default Prediction
    Ming-Liang Ding, Yuliang Ma, Fuqiang You · 2025 · Mathematics
68. Does artificial intelligence enhance bank profitability? Evidence from China
    Zhen Li · 2025 · Finance research letters
69. Evaluating Large Language Models as Post Hoc Explainability Interfaces for Credit Risk Models
    Wenxi Geng, Dingyuan Liu, Liya Li, Yiqing Wang · 2026 · Expert Systems
70. An Overview on the Landscape of R Packages for Open Source Scorecard Modelling
    Gero Szepannek · 2022 · Risks
71. P2P Investment Data Analytics: A Case Study of Lending Club
    Bowen Yi · 2023 · BCP Business & Management
72. A Novel Modified Binning and Logistics Regression to Handle Shifting in Credit Scoring
    Yusuf Priyo Anggodo, Abba Suganda Girsang · 2023 · Computational Economics
73. Incremental Machine Learning-Based Approach for Credit Scoring in the Age of Big Data
    Tinofirei Museba · 2024 · Springer proceedings in business and economics
74. A comprehensive study on the interplay between dataset characteristics and oversampling methods
    Yue Yang, Tangtangfang Fang, Jinyang Hu, Chang Chuan Goh, Honghao Zhang, Yongmei Cai, Anthony Graham Bellotti, Boon Giin Lee, Zhong Ming · 2025 · Journal of the Operational Research Society
75. Default Prediction Framework With Optimal Feature Set and Matching Ratio
    Guotai Chi, Fengshan Bai, Hongping Tan, Ying Nan Zhou · 2025 · Journal of Forecasting
76. MACHINE LEARNING AND FINANCIAL INCLUSION: EVIDENCE FROM CREDIT RISK ASSESSMENT OF SMALL-BUSINESS LOANS IN CHINA
    Yang Zhang, JIANXIONG LIN, Yihe Qian, Lianjie Shu · 2025 · The Singapore Economic Review
77. Transforming SME Finance Through Artificial Intelligence: A Predictive Analytics Approach
    Michael Akinola Aruwaji, Matthys Johannes Swanepoel · 2025 · Conference on Information Communications Technology and Society (ICTAS)
78. Ensemble learning for operations research and business analytics
    Koen W. De Bock, Matthias Bogaert, Philippe du Jardin · 2025 · Annals of Operations Research
79. GPT-LGBM: a ChatGPT-based integrated framework for credit scoring with textual and structured data
    Li Yu, Xuefei Bai, Zhiwei Chen · 2025 · Knowledge and Information Systems
80. Leveraging Artificial Intelligence in Public Procurement of Dual-Use Goods
    Tetiana Heorhiivna Zatonatska, Оleksandr Artiushenko, Olena Liashenko, Alim Syzov, Serhiy Dyachenko, Kira Horiacheva · 2025 · International Conference on Advanced Computer Information Technologies (ACIT)
81. Performance Analysis of Credit Card Behavior Score Prediction Using Machine Learning
    Said Abdelrahim Salloum, Khalaf Tahat, Ahmed S. Mansoori, Chaker Mhamdi, Dina Naser Tahat · 2025 · International Conference on Intelligent Data Science Technologies and Applications (IDSTA)
82. A clustering and selection based transfer ensemble model for customer credit scoring
    Jin Xiao, Ling Xie, Dunhu Liu, Yi Xiao, Yi Hu · 2016 · Filomat
83. Internal Credit Risk Models with Machine Learning
    Markus Thiele, Harro R. Dittmar · 2019 · Springer eBooks
84. The effects of customer segmentation, borrower behaviors and analytical methods on the performance of credit scoring models in the agribusiness sector
    Daniela Lazo, Raffaella Calabrese, Cristián Bravo · 2020 · The Journal of Credit Risk
85. Feature Selection for Credit Risk Classification
    Dalia Atif, Mabrouka Salmi · 2022 · Communications in computer and information science
86. Expressing uncertainty in information systems analytics research: A demonstration of Bayesian analysis applied to binary classification problems
    Douglas P. Twitchell, Christie M. Fuller · 2022 · Information Processing & Management
87. A Filter Approach Based on Binary Integer Programming for Feature Selection
    Bui Thi Mai Anh, Duong Viet Anh, Bui Quoc Trung · 2022 · RIVF International Conference on Computing and Communication Technologies (RIVF)
88. Class probability distribution based maximum entropy model for classification of datasets with sparse instances
    A. Saravanan, D. Anandhi, Marudhachalam Srividya · 2023 · Computer Science and Information Systems
89. Endeudamiento máximo sostenible de los hogares en Chile
    Antonio Lemus, Carlos Pulgar · 2023 · Revista de análisis económico
90. A Triplet Deep Neural Networks Model for Customer Credit Scoring
    Jin Xiao, Runhua Wang · 2023 · International Conference on Consumer Electronics and Computer Engineering (ICCECE)
91. The Changing Landscape of Financial Credit Risk Models
    Tanja Verster, Erika Fourie · 2023 · International Journal of Financial Studies
92. An interpretable decision tree ensemble model for imbalanced credit scoring datasets
    Bui T. T. My, Bao Quoc Ta · 2023 · Journal of Intelligent & Fuzzy Systems
93. Do decreases in Distance-to-Default predict rating downgrades?
    Nidhi Aggarwal, Manish Kumar Singh, Susan Thomas · 2023 · Economic Modelling
94. Credit Risk Scoring: A Stacking Generalization Approach
    Bernardo Raimundo, Jorge Miguel Bravo · 2024 · Lecture notes in networks and systems
95. Credit Risk Prediction for Small and Medium-Sized Enterprises Based on Graph Convolutional Networks
    美 赵 · 2024 · Finance
96. Enterprise Credit Risk Decision: Application Based on Improved AHP
    Tao Li, Majid Khan Majahar Ali, Ying Tian, Lili Wu · 2024 · Malaysian Journal of Fundamental and Applied Sciences
97. Research on Predicting the Safety Factor of Plain Shotcrete Support in Laneways Based on BO-CatBoost Model
    Haiping Yuan, Shuaijie Ji, Chuanqi Zhu, Lei Wang · 2024 · Biomimetics
98. Enhancing Credit Card Default Prediction: Prioritizing Recall Over Accuracy
    Bukola Onasoga, Jamal Hwidi · 2024 · Lecture notes in networks and systems
99. Data-driven credit risk monitoring: Leveraging machine learning in risk management
    Stanley Chidozie Umeorah, Adesola Oluwatosin Adelaja, Bibitayo Ebunlomo Abikoye, Oluwatoyin Funmilayo Ayodele, Yewande Mariam Ogunsuji · 2024 · Finance & Accounting Research Journal
100. Sensitivity Analysis: Improving Inclusive Credit Scoring Algorithm Through Feature Weight and Penalty-Based Approach
     Reni Sulastri, Aaron Yi Ding, Marijn Janssen · 2025 · International Conference on eDemocracy & eGovernment