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Credit Card Default Prediction using Machine Learning Techniques
Abstract
Credit risk plays a major role in the banking industry business. Banks' main activities involve granting loan, credit card, investment, mortgage, and others. Credit card has been one of the most booming financial services by banks over the past years. However, with the growing number of credit card users, banks have been facing an escalating credit card default rate. As such data analytics can provide solutions to tackle the current phenomenon and management credit risks. This paper provides a performance evaluation of credit card default prediction. Thus, logistic regression, rpart decision tree, and random forest are used to test the variable in predicting credit default and random forest proved to have the higher accuracy and area under the curve. This result shows that random forest best describe which factors should be considered with an accuracy of 82 % and an Area under Curve of 77 % when assessing the credit risk of credit card customers.
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Metadata
- Authors
- Sayjadah, Y., Hashem, I. A. T., Alotaibi, F., & Kasmiran, K. A.
- Affiliations
- Universiti Putra Malaysia (MY)
- ORCID
- Alotaibi, Faiz
- Venue
- 2018 Fourth International Conference on Advances in Computing, Communication & Automation (ICACCA)
- Publisher
- IEEE
- Published
- 2018-10
- Pages
- 1-4
- OpenAlex
- W2966632398
- Cited by
- 42
- References
- 16
- Citations by year
- 2026: 3 · 2025: 9 · 2024: 12 · 2023: 9 · 2022: 5 · 2021: 4
- FWCI
- 7.22
- Type
- conference paper
- Language
- en
- Open access
- closed
- Locations
- International Conference on Advances in Computing, Communication & Automation (ICACCA) (publishedVersion)
- Universiti Putra Malaysia Institutional Repository (Universiti Putra Malaysia) (acceptedVersion)
- Topics
- Social Sciences › Business, Management and Accounting › Accounting › Financial Distress and Bankruptcy Prediction
- Social Sciences › Business, Management and Accounting › Marketing › Customer churn and segmentation
- Physical Sciences › Computer Science › Artificial Intelligence › Imbalanced Data Classification Techniques
- Keywords
- credit card default prediction, credit risk, random forest, logistic regression, decision tree, bank lending, default risk factors
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- The paper
- Sayjadah, Y., Hashem, I. A. T., Alotaibi, F., & Kasmiran, K. A. (2018). Credit Card Default Prediction using Machine Learning Techniques. 2018 Fourth International Conference on Advances in Computing, Communication & Automation (ICACCA). https://doi.org/10.1109/icaccaf.2018.8776802
