Genetic programming: on the programming of computers by means of natural selection
Genetic programming: on the programming of computers by means of natural selection
The nature of statistical learning theory
The nature of statistical learning theory
Wrappers for feature subset selection
Artificial Intelligence - Special issue on relevance
Support Vector Machines for 3D Object Recognition
IEEE Transactions on Pattern Analysis and Machine Intelligence
Neural network credit scoring models
Computers and Operations Research - Neural networks in business
Machine Learning
Feature Selection for Support Vector Machines by Means of Genetic Algorithms
ICTAI '03 Proceedings of the 15th IEEE International Conference on Tools with Artificial Intelligence
Credit rating analysis with support vector machines and neural networks: a market comparative study
Decision Support Systems - Special issue: Data mining for financial decision making
Credit scoring with a data mining approach based on support vector machines
Expert Systems with Applications: An International Journal
Building credit scoring models using genetic programming
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
Neural networks for classification: a survey
IEEE Transactions on Systems, Man, and Cybernetics, Part C: Applications and Reviews
IEEE Transactions on Systems, Man, and Cybernetics, Part B: Cybernetics
Hi-index | 12.05 |
With the rapid growth of credit industry, credit scoring model has a great significance to issue a credit card to the applicant with a minimum risk. So credit scoring is very important in financial firm like bans etc. With the previous data, a model is established. From that model is decision is taken whether he will be granted for issuing loans, credit cards or he will be rejected. There are several methodologies to construct credit scoring model i.e. neural network model, statistical classification techniques, genetic programming, support vector model etc. Computational time for running a model has a great importance in the 21st century. The algorithms or models with less computational time are more efficient and thus gives more profit to the banks or firms. In this study, we proposed a new strategy to reduce the computational time for credit scoring. In this approach we have used SVM incorporated with the concept of reduction of features using F score and taking a sample instead of taking the whole dataset to create the credit scoring model. We run our method two real dataset to see the performance of the new method. We have compared the result of the new method with the result obtained from other well known method. It is shown that new method for credit scoring model is very much competitive to other method in the view of its accuracy as well as new method has a less computational time than the other methods.