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Published in:
2018 | OriginalPaper | Chapter
41. Investigating Attribute Assessment for Credit Granting on a Brazilian Retail Enterprise
Authors : Strauss Carvalho Cunha, Emanuel Mineda Carneiro, Lineu Fernando Stege Mialaret, Luiz Alberto Vieira Dias, Adilson Marques da Cunha
Published in: Information Technology - New Generations
Publisher: Springer International Publishing
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Abstract
In this article, we investigate which features are required to enhance a credit scoring model for a Brazilian retail enterprise. In order to find attributes that can improve the performance of classifier algorithms for credit granting, a national and an international survey were carried out. A logistic regression classifier was used and the main result has improved the performance of data mining classifiers. The main contribution of this article was the verification that additional financial and behavioral data increase defaulting prediction performance on credit granting.