The Credit Scoring Toolkit Theory and Practice for Retail Credit Risk Management and Decision Automation

• Author : Raymond Anderson
• Publisher : OUP Oxford
• Release : 30 August 2007

The Credit Scoring Toolkit provides an all-encompassing view of the use of statistical models to assess retail credit risk and provide automated decisions.In eight modules, the book provides frameworks for both theory and practice. It first explores the economic justification and history of Credit Scoring, risk linkages and decision science, statistical and mathematical tools, the assessment of business enterprises, and regulatory issues ranging from data privacy to Basel II. It then provides a practical how-to-guide for scorecard development, including

• Author : Jochen Schweizer
• Publisher : GRIN Verlag
• Release : 26 February 2016

Bachelor Thesis from the year 2014 in the subject Business economics - Marketing, Corporate Communication, CRM, Market Research, Social Media, grade: 2,0, Rhine-Waal University of Applied Sciences, language: English, abstract: On 31 December 2013, 757 million users logged on to Facebook. The tremendous number shows the huge size of the Facebook network. 1,23 Billion active monthly users produce more than 30 billion pieces of information every month. The stunning size of information can be used for different analyses. One area of application may be the checking of

• Author : Raymond A. Anderson
• Publisher : Oxford University Press
• Release : 26 August 2021

Over eight modules, the book covers consumer and business lending in both the developed and developing worlds, providing the frameworks for both theory and practice.

• Author : Naeem Siddiqi
• Publisher : John Wiley & Sons
• Release : 10 January 2017

A better development and implementation framework for credit risk scorecards Intelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. The credit scorecard is a powerful tool for measuring the risk of individual borrowers, gauging overall risk exposure and developing analytically driven, risk-adjusted strategies for existing customers. In the past 10 years, hundreds of banks worldwide have brought the process of developing credit scoring models in-house, while ‘credit scores' have become a frequent topic of

• Author : Lyn Thomas,Jonathan Crook,David Edelman
• Publisher : SIAM
• Release : 16 August 2017

Credit Scoring and Its Applications is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal

• Author : Raymond Anderson
• Publisher : Unknown
• Release : 01 August 2019

Forest Paths is a follow-up to Anderson's The Credit Scoring Toolkit, published by Oxford University Press in 2007, which was considered the bible of the industry. Where the Toolkit was broad-brush, this book focuses on the model-development process, but not without providing significant context. It assumes little prior knowledge and is appropriate for both university students and practitioners. It is the first real textbook on the topic, including chapters'-end questions. There are six modules: 1) an introduction to credit and predictive modelling; 2)

• Author : S. Finlay
• Publisher : Springer
• Release : 27 October 2010

Every year, financial services organizations make billions of dollars worth of decisions using automated systems. For example, who to give a credit card to and the premium someone should pay for their home insurance. This book explains how the forecasting models, that lie at the heart of these systems, are developed and deployed.

• Author : S. Finlay
• Publisher : Springer
• Release : 26 June 2012

A guide on how Predictive Analytics is applied and widely used by organizations such as banks, insurance providers, supermarkets and governments to drive the decisions they make about their customers, demonstrating who to target with a promotional offer, who to give a credit card to and the premium someone should pay for home insurance.

• Author : Lean Yu,Shouyang Wang,Kin Keung Lai,Ligang Zhou
• Publisher : Springer Science & Business Media
• Release : 24 April 2008

Credit risk analysis is one of the most important topics in the field of financial risk management. Due to recent financial crises and regulatory concern of Basel II, credit risk analysis has been the major focus of financial and banking industry. Especially for some credit-granting institutions such as commercial banks and credit companies, the ability to discriminate good customers from bad ones is crucial. The need for reliable quantitative models that predict defaults accurately is imperative so that the interested

• Author : Dan Bouk
• Publisher : University of Chicago Press
• Release : 06 February 2018

Classing -- Fatalizing -- Writing -- Smoothing -- A modern conception of death -- Valuing lives, in four movements -- Failing the future.

• Author : Victor U. Ekpu
• Publisher : Springer
• Release : 23 December 2015

This book is a comprehensive, yet concise text that brings together all aspects of SME banking theories and empirical studies in one text. The book contains the latest policy debates on money creation and credit rationing and the relative role of demand-side and supply-side factors affecting SME financing. Readers will understand the borrower-specific, lender-specific and business environment drivers of bank finance for SMEs as well as the determinants of loan contract terms, particularly the risk premium and collateral. Readers will

• Author : Bo Xing,Tshilidzi Marwala
• Publisher : CRC Press
• Release : 07 December 2018

The book focuses on smart computing for crowdfunding usage, looking at the crowdfunding landscape, e.g., reward-, donation-, equity-, P2P-based and the crowdfunding ecosystem, e.g., regulator, asker, backer, investor, and operator. The increased complexity of fund raising scenario, driven by the broad economic environment as well as the need for using alternative funding sources, has sparked research in smart computing techniques. Covering a wide range of detailed topics, the authors of this book offer an outstanding overview of

• Author : Christian Langkamp
• Publisher : BoD – Books on Demand
• Release : 24 February 2014

The financial crisis has shown that a significant proportion of the assets held by large corporations are exposed to credit risk that must be managed. This doctoral thesis sets out to analyse the contextual and organisational framework within which these activities are set and the practices employed by professionals in the field. This analysis draws on a set of interview-based data from large corporations in Europe and Brazil, predominantly from the chemical, energy, trading, and general manufacturing industries. Due to

• Author : Tarmo Robal,Hele-Mai Haav,Jaan Penjam,Raimundas Matulevičius
• Publisher : Springer Nature
• Release : 01 July 2022

This book constitutes the refereed proceedings of the 14th International Baltic Conference on Databases and Information Systems, DB & IS 2020, held in Tallinn, Estonia, in June 2020.* The 22 revised papers presented were carefully reviewed and selected from 52 submissions. The papers are centered around topics like architectures and quality of information systems, artificial intelligence in information systems, data and knowledge engineering, enterprise and information systems engineering, security of information systems. *The conference was held virtully due to the COVID-19 pandemic.

• Author : Christiansen, Bryan,Škrinjari?, Tihana
• Publisher : IGI Global
• Release : 25 September 2020

Artificial intelligence (AI) describes machines/computers that mimic cognitive functions that humans associate with other human minds, such as learning and problem solving. As businesses have evolved to include more automation of processes, it has become more vital to understand AI and its various applications. Additionally, it is important for workers in the marketing industry to understand how to coincide with and utilize these techniques to enhance and make their work more efficient. The Handbook of Research on Applied AI