Credit scoring system for small business loans

A requirement of a credit scoring decision support system for small business loans is that the embedded scoring model can be easily altered in accord with the change of business environment. To satisfy such a requirement, this study proposes an N-tier architecture integrated with the idea of Model-View-Controller. With this design, the system engineers can avoid frequently investing considerable time and effort in communicating with the model managers for finalizing the scoring models, and model managers can easily alter the embedded scoring models later at any time. D 2003 Elsevier B.V. All rights reserved.