Neural network credit scoring models
Computers and Operations Research - Neural networks in business
Data Mining: Concepts and Techniques
Data Mining: Concepts and Techniques
Economical active feature-value acquisition through Expected Utility estimation
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
Learning policies for sequential time and cost sensitive classification
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
Improving classifier utility by altering the misclassification cost ratio
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
One-Benefit learning: cost-sensitive learning with restricted cost information
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
Does cost-sensitive learning beat sampling for classifying rare classes?
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
Machine learning paradigms for utility-based data mining
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
Cost-sensitive classifier evaluation
UBDM '05 Proceedings of the 1st international workshop on Utility-based data mining
An Expected Utility Approach to Active Feature-Value Acquisition
ICDM '05 Proceedings of the Fifth IEEE International Conference on Data Mining
Beyond classification and ranking: constrained optimization of the ROI
Proceedings of the 12th ACM SIGKDD international conference on Knowledge discovery and data mining
Credit scoring with a data mining approach based on support vector machines
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
On acquiring classification knowledge from noisy data based on rough set
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Hybrid mining approach in the design of credit scoring models
Expert Systems with Applications: An International Journal
A data mining framework for detecting subscription fraud in telecommunication
Engineering Applications of Artificial Intelligence
Expert Systems with Applications: An International Journal
| Hi-index | 12.05 |
Excessive issue of credit cards has contributed to increased credit card delinquencies, which have become a burden for credit card companies. In such a negative situation, companies should build and use models to estimate maximum profits from credit card delinquents. However, traditional classification models used to classify customers into good or bad groups are not useful in estimating profits from credit card delinquents. Therefore, this paper suggests two models to estimate the utility value of individual credit card delinquents. After showing that the best classification model does not necessarily result in the best utility model, we explain a model that could be used to estimate utility value of individual credit card delinquents. Such models are expected to give much more value to the credit card companies than the traditional classification models.