decision trees as one of the data mining techniques, is used in credit scoring of bank customers. the main problem is the construction of decision trees in that they can classify customers optimally. this paper proposes an appropriate model based on genetic algorithm for credit scoring of banks customers in order to offer credit facilities to each class. genetic algorithm can help in credit sco...

We present results from a large-scale empirical comparison between ten learning methods: SVMs, neural nets, logistic regression, naive bayes, memory-based learning, random forests, decision trees, bagged trees, boosted trees, and boosted stumps. We evaluate the methods on binary classification problems using nine performance criteria: accuracy, squared error, cross-entropy, ROC Area, F-score, p...

It has been shown that height measurements obtained by airborne laser scanning (ALS) with high point density (>7–8 m ́2) can be used to detect small trees in the alpine tree line—an ecotone sensitive to climate change. Because the height measurements do not discriminate between trees and other convex structures with positive height values, this study aimed at assessing the contribution of ALS ba...

7 Feature-space modelling 16 7.1 Theory of linear models . . . . . . . . . . . . . . . . . . . . . . 16 7.1.1 * Least-squares solution of the linear model . . . . . . . 17 7.2 Continuous response, continuous predictor . . . . . . . . . . . . 18 7.3 Continuous response, categorical predictor . . . . . . . . . . . . 23 7.4 * Multivariate linear models . . . . . . . . . . . . . . . . . . . . 25 7....