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Neural Network for Predicting the Performance of Credit Card Accounts

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  • Jagielska, Ilona
  • Jaworski, Janusz

Abstract

This paper reports the interim results of an experimental project using neural networks as a decision support tool for credit card risk assessment within a major bank. Two prototype neural network systems have been developed: one which emulates the decisions of the current risk assessment system and another which attempts to predict the performance of credit card accounts based on the accounts historical data. This paper focuses on the development of the neural network model for credit card account performance prediction. The study has shown that such a tool can help in discovering the potential problems with credit card applicants at the very early stage of the credit account life cycle. Citation Copyright 1996 by Kluwer Academic Publishers.

Suggested Citation

  • Jagielska, Ilona & Jaworski, Janusz, 1996. "Neural Network for Predicting the Performance of Credit Card Accounts," Computational Economics, Springer;Society for Computational Economics, vol. 9(1), pages 77-82, February.
    • Handle: RePEc:kap:compec:v:9:y:1996:i:1:p:77-82
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    Cited by:

    1. Ortíz Arango Francisco & Cabrera Llanos Agustín Ignacio & López Herrera Francisco, 2013. "Pronóstico de los índices accionarios DAX y S&P 500 con redes neuronales diferenciales," Contaduría y Administración, Accounting and Management, vol. 58(3), pages 203-225, julio-sep.
    2. Lee, Tian-Shyug & Chiu, Chih-Chou & Chou, Yu-Chao & Lu, Chi-Jie, 2006. "Mining the customer credit using classification and regression tree and multivariate adaptive regression splines," Computational Statistics & Data Analysis, Elsevier, vol. 50(4), pages 1113-1130, February.

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