Genetic programming: on the programming of computers by means of natural selection
Genetic programming: on the programming of computers by means of natural selection
C4.5: programs for machine learning
C4.5: programs for machine learning
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
Genetic Algorithms in Search, Optimization and Machine Learning
Genetic Algorithms in Search, Optimization and Machine Learning
Feature Selection for Knowledge Discovery and Data Mining
Feature Selection for Knowledge Discovery and Data Mining
On Comparing Classifiers: Pitfalls toAvoid and a Recommended Approach
Data Mining and Knowledge Discovery
A Simple Decomposition Method for Support Vector Machines
Machine Learning
Machine Learning
Text Categorization with Suport Vector Machines: Learning with Many Relevant Features
ECML '98 Proceedings of the 10th European Conference on Machine Learning
An SVM-based Algorithm for Identification of Photosynthesis-specific Genome Features
CSB '03 Proceedings of the IEEE Computer Society Conference on Bioinformatics
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
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
Evolving kernels for support vector machine classification
Proceedings of the 9th annual conference on Genetic and evolutionary computation
A Two-Phase Model Based on SVM and Conjoint Analysis for Credit Scoring
ICCS '07 Proceedings of the 7th international conference on Computational Science, Part II
GEP-Induced Expression Trees as Weak Classifiers
ICDM '08 Proceedings of the 8th industrial conference on Advances in Data Mining: Medical Applications, E-Commerce, Marketing, and Theoretical Aspects
A hybrid SOFM-SVR with a filter-based feature selection for stock market forecasting
Expert Systems with Applications: An International Journal
Support vector machines for credit scoring and discovery of significant features
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
The individual borrowers recognition: Single and ensemble trees
Expert Systems with Applications: An International Journal
Multi-class support vector machine for classification of the ultrasonic images of supraspinatus
Expert Systems with Applications: An International Journal
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
Using support vector machine with a hybrid feature selection method to the stock trend prediction
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Genetic programming for credit scoring: The case of Egyptian public sector banks
Expert Systems with Applications: An International Journal
The Bounds on the Rate of Uniform Convergence of Learning Process on Uncertainty Space
ISNN '09 Proceedings of the 6th International Symposium on Neural Networks on Advances in Neural Networks
The Key Theorem of Learning Theory on Uncertainty Space
ISNN '09 Proceedings of the 6th International Symposium on Neural Networks on Advances in Neural Networks
The theoretical fundamentals of learning theory based on fuzzy complex random samples
Fuzzy Sets and Systems
A data driven ensemble classifier for credit scoring analysis
Expert Systems with Applications: An International Journal
Least squares support vector machines ensemble models for credit scoring
Expert Systems with Applications: An International Journal
An efficient approach for building customer profiles from business data
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Combination of feature selection approaches with SVM in credit scoring
Expert Systems with Applications: An International Journal
A new credit scoring method based on rough sets and decision tree
PAKDD'08 Proceedings of the 12th Pacific-Asia conference on Advances in knowledge discovery and data mining
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
A meta-heuristic approach for improving the accuracy in some classification algorithms
Computers and Operations Research
A comparative assessment of ensemble learning for credit scoring
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
Evaluating probability of default: Intelligent agents in managing a multi-model system
Expert Systems with Applications: An International Journal
Municipal credit rating modelling by neural networks
Decision Support Systems
Integrated expert system applied to the analysis of non-technical losses in power utilities
Expert Systems with Applications: An International Journal
A probabilistic SVM based decision system for pain diagnosis
Expert Systems with Applications: An International Journal
Using data mining to improve assessment of credit worthiness via credit scoring models
Expert Systems with Applications: An International Journal
Tuning metaheuristics: A data mining based approach for particle swarm optimization
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
An artificial immune classifier for credit scoring analysis
Applied Soft Computing
Two credit scoring models based on dual strategy ensemble trees
Knowledge-Based Systems
Relevance vector machine based infinite decision agent ensemble learning for credit risk analysis
Expert Systems with Applications: An International Journal
A hybrid ensemble approach for enterprise credit risk assessment based on Support Vector Machine
Expert Systems with Applications: An International Journal
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 case-based reasoning model that uses preference theory functions for credit scoring
Expert Systems with Applications: An International Journal
Global data mining: An empirical study of current trends, future forecasts and technology diffusions
Expert Systems with Applications: An International Journal
Bankruptcy prediction models based on multinorm analysis: An alternative to accounting ratios
Knowledge-Based Systems
Exploring the behaviour of base classifiers in credit scoring ensembles
Expert Systems with Applications: An International Journal
ADMA'11 Proceedings of the 7th international conference on Advanced Data Mining and Applications - Volume Part II
Machine learning approach for finding business partners and building reciprocal relationships
Expert Systems with Applications: An International Journal
Two-level classifier ensembles for credit risk assessment
Expert Systems with Applications: An International Journal
An overview of the use of neural networks for data mining tasks
Wiley Interdisciplinary Reviews: Data Mining and Knowledge Discovery
Probabilistic and discriminative group-wise feature selection methods for credit risk analysis
Expert Systems with Applications: An International Journal
Expert Systems with Applications: An International Journal
International Journal of Innovative Computing and Applications
Expert Systems with Applications: An International Journal
Assessing scorecard performance: A literature review and classification
Expert Systems with Applications: An International Journal
International Journal of Business Intelligence and Data Mining
A loan default discrimination model using cost-sensitive support vector machine improved by PSO
Information Technology and Management
Genetic algorithm-based heuristic for feature selection in credit risk assessment
Expert Systems with Applications: An International Journal
Machine learning-based classifiers ensemble for credit risk assessment
International Journal of Electronic Finance
Journal of Intelligent & Fuzzy Systems: Applications in Engineering and Technology - FUZZYSS'2011: 2nd International Fuzzy Systems Symposium
Hi-index | 12.11 |
The credit card industry has been growing rapidly recently, and thus huge numbers of consumers' credit data are collected by the credit department of the bank. The credit scoring manager often evaluates the consumer's credit with intuitive experience. However, with the support of the credit classification model, the manager can accurately evaluate the applicant's credit score. Support Vector Machine (SVM) classification is currently an active research area and successfully solves classification problems in many domains. This study used three strategies to construct the hybrid SVM-based credit scoring models to evaluate the applicant's credit score from the applicant's input features. Two credit datasets in UCI database are selected as the experimental data to demonstrate the accuracy of the SVM classifier. Compared with neural networks, genetic programming, and decision tree classifiers, the SVM classifier achieved an identical classificatory accuracy with relatively few input features. Additionally, combining genetic algorithms with SVM classifier, the proposed hybrid GA-SVM strategy can simultaneously perform feature selection task and model parameters optimization. Experimental results show that SVM is a promising addition to the existing data mining methods.