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Showing 1 to 2 of 2 for “"credit scorecard"”.
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A Study of Reject Inference Techniques
Credit Scorecard models are commonly built using data available within anorganization's transactional database. Such data, however, will only contain informationfor those applicants who were "accepted" or previously awarded credit by theorganization; data will not be available for those applicants …
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Credit scorecards in retail banking: enhancing interpretability through shapley values and evaluating the effectiveness of alternative data for improved accuracy
… addresses the dual challenges of improving credit scorecard accuracy and maintaining interpretability. While machine learning algorithms like random forest and eXtreme gradient boosting outperform traditional logistic regression in accuracy, their complex predictor variable representation …