C4.5: programs for machine learning
C4.5: programs for machine learning
From decision tables to expert system shells
Data & Knowledge Engineering
Symbolic Representation of Neural Networks
Computer - Special issue: neural computing: companion issue to Spring 1996 IEEE Computational Science & Engineering
A penalty-function approach for pruning feedforward neural networks
Neural Computation
Information and Management
An illustration of verification and validation in the modelling phase of KBS development
Data & Knowledge Engineering
Neural network credit scoring models
Computers and Operations Research - Neural networks in business
Neural Networks for Pattern Recognition
Neural Networks for Pattern Recognition
Chi2: Feature Selection and Discretization of Numeric Attributes
TAI '95 Proceedings of the Seventh International Conference on Tools with Artificial Intelligence
Feature construction for reduction of tabular knowledge-based systems
Information Sciences—Informatics and Computer Science: An International Journal
Classification with incomplete survey data: a Hopfield neural network approach
Computers and Operations Research
Feature Selection for Reduction of Tabular Knowledge-Based Systems
Information Technology and Management
Self-organizing learning array and its application to economic and financial problems
Information Sciences: an International Journal
A process model to develop an internal rating system: sovereign credit ratings
Decision Support Systems
Advanced Engineering Informatics
Mining software repositories for comprehensible software fault prediction models
Journal of Systems and Software
Predicting going concern opinion with data mining
Decision Support Systems
Expert Systems with Applications: An International Journal
Consumer credit scoring models with limited data
Expert Systems with Applications: An International Journal
Confidence intervals for probabilistic network classifiers
Computational Statistics & Data Analysis
Multiple classifier application to credit risk assessment
Expert Systems with Applications: An International Journal
Knowledge-internalization process for neural-networks practitioners
IJCNN'09 Proceedings of the 2009 international joint conference on Neural Networks
Expert Systems with Applications: An International Journal
Prognostic personal credit risk model considering censored information
Expert Systems with Applications: An International Journal
On preprocessing data for financial credit risk evaluation
Expert Systems with Applications: An International Journal
Binarized Support Vector Machines
INFORMS Journal on Computing
Expert Systems with Applications: An International Journal
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
An empirical study of classification algorithm evaluation for financial risk prediction
Applied Soft Computing
Combining models from neural networks and inductive learning algorithms
Expert Systems with Applications: An International Journal
Evaluation of neural network variable influence measures for process control
Engineering Applications of Artificial Intelligence
Credit risk evaluation using neural networks: Emotional versus conventional models
Applied Soft Computing
WM'05 Proceedings of the Third Biennial conference on Professional Knowledge Management
A comparative modelling analysis of firm performance
International Journal of Data Analysis Techniques and Strategies
Efficient and effective classification of creditworthiness using ant colony optimization
Proceedings of the 50th Annual Southeast Regional Conference
Expert Systems with Applications: An International Journal
Performance of classification models from a user perspective
Decision Support Systems
Review: Supervised classification and mathematical optimization
Computers and Operations Research
The bank loan approval decision from multiple perspectives
Expert Systems with Applications: An International Journal
MinExp-card: limiting data collection using a smart card
Proceedings of the 16th International Conference on Extending Database Technology
When Is the Right Time to Refresh Knowledge Discovered from Data?
Operations Research
International Journal of Decision Support System Technology
Assessing scorecard performance: A literature review and classification
Expert Systems with Applications: An International Journal
Social network analysis for customer churn prediction
Applied Soft Computing
An Abductive-Reasoning Guide for Finance Practitioners
Computational Economics
Impact of noise on credit risk prediction: Does data quality really matter?
Intelligent Data Analysis
Hi-index | 0.02 |
Credit-risk evaluation is a very challenging and important management science problem in the domain of financial analysis. Many classification methods have been suggested in the literature to tackle this problem. Neural networks, especially, have received a lot of attention because of their universal approximation property. However, a major drawback associated with the use of neural networks for decision making is their lack of explanation capability. While they can achieve a high predictive accuracy rate, the reasoning behind how they reach their decisions is not readily available. In this paper, we present the results from analysing three real-life credit-risk data sets using neural network rule extraction techniques. Clarifying the neural network decisions by explanatory rules that capture the learned knowledge embedded in the networks can help the credit-risk manager in explaining why a particular applicant is classified as either bad or good. Furthermore, we also discuss how these rules can be visualized as a decision table in a compact and intuitive graphical format that facilitates easy consultation. It is concluded that neural network rule extraction and decision tables are powerful management tools that allow us to build advanced and userfriendly decision-support systems for credit-risk evaluation.