Credit Scoring with Social Network Data

نویسندگان

  • Yanhao Wei
  • Pinar Yildirim
  • Christophe Van den Bulte
  • Chrysanthos Dellarocas
چکیده

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

منابع مشابه

Credit scoring in banks and financial institutions via data mining techniques: A literature review

This paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in Credit scoring. Yet there isn’t any literature in the field of data mining applications in credit scoring. Using a novel research approach, this paper investigates academic and systematic literature review and includes all of the journals in the Science direct onli...

متن کامل

Social Media-Driven Credit Scoring: the Predictive Value of Social Structures

While emerging economies have seen an explosion of social network site (SNS) adoption, these countries lack sophisticated credit scoring system or credit bureaus to predict creditworthiness of individuals. In this paper, we propose an SNS-based credit scoring method for micro loans using largescale observational data. We show empirical evidence that by incorporating social network metrics, we c...

متن کامل

Investigating the missing data effect on credit scoring rule based models: The case of an Iranian bank

Credit risk management is a process in which banks estimate probability of default (PD) for each loan applicant. Data sets of previous loan applicants are built by gathering their data, and these internal data sets are usually completed using external credit bureau’s data and finally used for estimating PD in banks. There is also a continuous interest for bank to use rule based classifiers to b...

متن کامل

Improved Automatic Clustering Using a Multi-Objective Evolutionary Algorithm With New Validity measure and application to Credit Scoring

In data mining, clustering is one of the important issues for separation and classification with groups like unsupervised data. In this paper, an attempt has been made to improve and optimize the application of clustering heuristic methods such as Genetic, PSO algorithm, Artificial bee colony algorithm, Harmony Search algorithm and Differential Evolution on the unlabeled data of an Iranian bank...

متن کامل

Credit scoring using the hybrid neural discriminant technique

Credit scoring has become a very important task as the credit industry has been experiencing double-digit growth rate during the past few decades. The artificial neural network is becoming a very popular alternative in credit scoring models due to its associated memory characteristic and generalization capability. However, the decision of network’s topology, importance of potential input variab...

متن کامل

ذخیره در منابع من


  با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

عنوان ژورنال:
  • Marketing Science

دوره 35  شماره 

صفحات  -

تاریخ انتشار 2016