A database perspective on knowledge discovery
Communications of the ACM
Combining predictors: comparison of five meta machine learning methods
Information Sciences: an International Journal
Neural network credit scoring models
Computers and Operations Research - Neural networks in business
Self-Organizing Maps
Learning Bayesian Network Classifiers for Credit Scoring Using Markov Chain Monte Carlo Search
ICPR '02 Proceedings of the 16 th International Conference on Pattern Recognition (ICPR'02) Volume 3 - Volume 3
A Data Mining Approach for Retailing Bank Customer Attrition Analysis
Applied Intelligence
Credit scoring system for small business loans
Decision Support Systems
Neural network ensemble strategies for financial decision applications
Computers and Operations Research
Data Mining: Concepts and Techniques
Data Mining: Concepts and Techniques
A neural network classification of credit applicants in consumer credit scoring
AIA'06 Proceedings of the 24th IASTED international conference on Artificial intelligence and applications
Performance evaluation of neural network decision models
Journal of Management Information Systems - Special section: Strategic and competitive information systems
Self-organizing learning array and its application to economic and financial problems
Information Sciences: 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
Information Sciences: an International Journal
Neural nets versus conventional techniques in credit scoring in Egyptian banking
Expert Systems with Applications: An International Journal
An information granulation based data mining approach for classifying imbalanced data
Information Sciences: an International Journal
A practical approach to credit scoring
Expert Systems with Applications: An International Journal
Diversity of ability and cognitive style for group decision processes
Information Sciences: an International Journal
Mining the customer credit using hybrid support vector machine technique
Expert Systems with Applications: An International Journal
Computational Statistics & Data Analysis
Hybrid mining approach in the design of credit scoring models
Expert Systems with Applications: An International Journal
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The increasing rate of late payments by credit card customers, which are caused by the recent economic downturn, is causing not only reduced profit margins but also significant sales losses for retail companies. Under pressure to increase revenues, credit prediction should be a part of customer delinquency management. In this study, a credit prediction model has been developed to manage delinquents holding retail credit cards. The hybrid model combines a Kohonen network and a Cox's proportional hazard model. A Kohonen network is used to cluster credit delinquents into homogeneous groups. A Cox's hazard model is used to analyze repayment patterns of delinquents in each group. The model estimates the expected time of credit recovery from delinquents. This model's prediction accuracy scored above 93%.