Multilayer feedforward networks are universal approximators
Neural Networks
Some applications of clustering in the design of neural networks
Pattern Recognition Letters
Information and Management
Neural network credit scoring models
Computers and Operations Research - Neural networks in business
Integration of self-organizing feature map and K-means algorithm for market segmentation
Computers and Operations Research
An intelligent system for customer targeting: a data mining approach
Decision Support Systems
Managing loan customers using misclassification patterns of credit scoring model
Expert Systems with Applications: An International Journal
Credit scoring with a data mining approach based on support vector machines
Expert Systems with Applications: An International Journal
Advanced Engineering Informatics
A hybrid mining approach for optimizing returns policies in e-retailing
Expert Systems with Applications: An International Journal
Estimating the utility value of individual credit card delinquents
Expert Systems with Applications: An International Journal
Credit scoring algorithm based on link analysis ranking with support vector machine
Expert Systems with Applications: An International Journal
Consumer credit scoring models with limited data
Expert Systems with Applications: An International Journal
Mining the customer credit using hybrid support vector machine technique
Expert Systems with Applications: An International Journal
A Data Driven Ensemble Classifier for Credit Scoring Analysis
PAKDD '09 Proceedings of the 13th Pacific-Asia Conference on Advances in Knowledge Discovery and Data Mining
A data driven ensemble classifier for credit scoring analysis
Expert Systems with Applications: An International Journal
Credit rating by hybrid machine learning techniques
Applied Soft Computing
An efficient greedy K-means algorithm for global gene trajectory clustering
Expert Systems with Applications: An International Journal
MICAI'07 Proceedings of the artificial intelligence 6th Mexican international conference on Advances in artificial intelligence
Credit rating method with heterogeneous information
RSKT'08 Proceedings of the 3rd international conference on Rough sets and knowledge technology
Expert Systems with Applications: An International Journal
Behavioral assessment of recoverable credit of retailer's customers
Information Sciences: an International Journal
Vertical bagging decision trees model for credit scoring
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Business intelligence for delinquency risk management via cox regression
PKAW'10 Proceedings of the 11th international conference on Knowledge management and acquisition for smart systems and services
A data mining framework for detecting subscription fraud in telecommunication
Engineering Applications of Artificial Intelligence
Neighborhood rough set and SVM based hybrid credit scoring classifier
Expert Systems with Applications: An International Journal
Credit risk evaluation using neural networks: Emotional versus conventional models
Applied Soft Computing
Financial ratings with scarce information: A neural network approach
Expert Systems with Applications: An International Journal
An application of locally linear model tree algorithm for predictive accuracy of credit scoring
MEDI'11 Proceedings of the First international conference on Model and data engineering
Customer churn prediction by hybrid model
ADMA'06 Proceedings of the Second international conference on Advanced Data Mining and Applications
A hybrid device for the solution of sampling bias problems in the forecasting of firms' bankruptcy
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Fuzzy type 2 inference system for credit scoring
ACMOS'09 Proceedings of the 11th WSEAS international conference on Automatic control, modelling and simulation
A personalized trustworthy seller recommendation in an open market
Expert Systems with Applications: An International Journal
Assessing scorecard performance: A literature review and classification
Expert Systems with Applications: An International Journal
Hi-index | 12.08 |
Unrepresentative data samples are likely to reduce the utility of data classifiers in practical application. This study presents a hybrid mining approach in the design of an effective credit scoring model, based on clustering and neural network techniques. We used clustering techniques to preprocess the input samples with the objective of indicating unrepresentative samples into isolated and inconsistent clusters, and used neural networks to construct the credit scoring model. The clustering stage involved a class-wise classification process. A self-organizing map clustering algorithm was used to automatically determine the number of clusters and the starting points of each cluster. Then, the K-means clustering algorithm was used to generate clusters of samples belonging to new classes and eliminate the unrepresentative samples from each class. In the neural network stage, samples with new class labels were used in the design of the credit scoring model. The proposed method demonstrates by two real world credit data sets that the hybrid mining approach can be used to build effective credit scoring models.