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Review of credit risk and credit scoring models based on computing paradigms in financial institutions

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  • Deepika Sharma
  • Ashutosh Vashistha
  • Manoj K. Gupta

Abstract

Modern financial credit-disbursing institutions are characterized by fairly complex processes that struggle to improve the accuracy and predictability of credit scoring models. A bewildering array of studies have proposed methodologies to adapt big data analytics to this problem. This paper offers a brief overview of major studies and compares techniques along the following five dimensions: expected response time, threshold of input data, accuracy of output, reliability and computational overhead.

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Handle: RePEc:rsk:journ1:7864796
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File URL: https://www.risk.net/system/files/digital_asset/2021-10/Review_of_credit_risk_and_credit_scoring_models_final.pdf
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