A Better Comparison Summary of Credit Scoring Classification
Journal Title: International Journal of Advanced Computer Science & Applications - Year 2017, Vol 8, Issue 7
Abstract
The credit scoring aim is to classify the customer credit as defaulter or non-defaulter. The credit risk analysis is more effective with further boosting and smoothing of the parameters of models. The objective of this paper is to explore the credit score classification models with an imputation technique and without imputation technique. However, data availability is low in case of without imputation because of missing values depletion from the large dataset. On the other hand, imputation based dataset classification accuracy with linear method of ANN is better than other models. The comparison of models with boosting and smoothing shows that error rate is better metric than area under curve (AUC) ratio. It is concluded that artificial neural network (ANN) is better alternative than decision tree and logistic regression when data availability is high in dataset.
Authors and Affiliations
Sharjeel Imtiaz, Allan J. Brimicombe
Keywords
Related Articles
- EP ID EP259969
- DOI 10.14569/IJACSA.2017.080701
- Views 79
- Downloads 0
Scalable Data Analytics Market Basket Model for Transactional Data Streams
Transactional data streams (TDS) are incremental in nature thus, the process of mining is complicated. Such complications arise from challenges such as infinite length, feature evolution, concept evolution and concept dr...
Enhanced Detection and Elimination Mechanism from Cooperative Black Hole Threats in MANETs
Malicious node invasion as black hole attack is a burning issue in MANETs. Black hole attacks with a single malicious node is easy to detect and prevent. The collaborative attacks with multiple cooperative malicious node...
USING PENALIZED REGRESSION WITH PARALLEL COORDINATES FOR VISUALIZATION OF SIGNIFICANCE IN HIGH DIMENSIONAL DATA
In recent years, there has been an exponential increase in the amount of data being produced and disseminated by diverse applications, intensifying the need for the development of effective methods for the interactive vi...
Computer Science Approach to Information-Like Artifacts as Exemplified by Memes
Providing information can be expanded to include systems that deliver information-like artifacts. They provide such “things” as advertisements, propaganda pieces, and meme artifacts. Memes are the subject of extensive in...
An Improved Image Steganography Method Based on LSB Technique with Random Pixel Selection
With the rapid advance in digital network, information technology, digital libraries, and particularly World Wide Web services, many kinds of information could be retrieved any time. Thus, the security issue has become o...