Emerging Trends in Deep Learning for Credit Scoring: A Review

Deep Learning-Based Model for Financial Distress Prediction

(2022) Mohamed Elhoseny et al.   ANNALS OF OPERATIONS RESEARCH

xDNN: Inference for Deep Convolutional Neural Networks

(2022) Paolo D'Alberto et al.   ACM Transactions on Reconfigurable Technology and Systems

Deep learning meets decision trees: An application of a heterogeneous deep forest approach in credit scoring for online consumer lending

(2022) Yufei Xia et al.   JOURNAL OF FORECASTING

EU-27 bank failure prediction with C5.0 decision trees and deep learning neural networks

(2022) Tamás Kristóf et al.   Research in International Business and Finance

No more black boxes! Explaining the predictions of a machine learning XGBoost classifier algorithm in business failure

(2022) Pedro Carmona et al.   Research in International Business and Finance

DeepTLF: robust deep neural networks for heterogeneous tabular data

(2022) Vadim Borisov et al.   International Journal of Data Science and Analytics

GLocalX - From Local to Global Explanations of Black Box AI Models

(2021) Mattia Setzu et al.   ARTIFICIAL INTELLIGENCE

Computational Intelligence-Based Financial Crisis Prediction Model Using Feature Subset Selection with Optimal Deep Belief Network

(2021) Noura Metawa et al.   Big Data

Deep Learning for Credit Scoring: Do or Don’t?

(2021) Björn Rafn Gunnarsson et al.   EUROPEAN JOURNAL OF OPERATIONAL RESEARCH

A Two-Stage Hybrid Default Discriminant Model Based on Deep Forest

(2021) Gang Li et al.   Entropy

Multi-grained and multi-layered gradient boosting decision tree for credit scoring

(2021) Wan’an Liu et al.   APPLIED INTELLIGENCE

A machine learning approach combining expert knowledge with genetic algorithms in feature selection for credit risk assessment

(2021) Pantelis Z. Lappas et al.   APPLIED SOFT COMPUTING

Two-stage rule extraction method based on tree ensemble model for interpretable loan evaluation

(2021) Lu-an Dong et al.   INFORMATION SCIENCES

Converting tabular data into images for deep learning with convolutional neural networks

(2021) Yitan Zhu et al.   Scientific Reports

An improved gradient boosting tree algorithm for financial risk management

(2021) Srijana Acharya et al.   Knowledge Management Research & Practice

Exploration of Financial Market Credit Scoring and Risk Management and Prediction Using Deep Learning and Bionic Algorithm

(2021) Peng Du et al.   Journal of Global Information Management

Extract interpretability-accuracy balanced rules from artificial neural networks: A review

(2020) Congjie He et al.   NEUROCOMPUTING

Financial time series forecasting with deep learning : A systematic literature review: 2005–2019

(2020) Omer Berat Sezer et al.   APPLIED SOFT COMPUTING

Statistical and machine learning models in credit scoring: A systematic literature survey

(2020) Xolani Dastile et al.   APPLIED SOFT COMPUTING

Deep learning for financial applications : A survey

(2020) Ahmet Murat Ozbayoglu et al.   APPLIED SOFT COMPUTING

A novel multi-stage ensemble model with enhanced outlier adaptation for credit scoring

(2020) Wenyu Zhang et al.   EXPERT SYSTEMS WITH APPLICATIONS

A Novel Ensemble Credit Scoring Model Based on Extreme Learning Machine and Generalized Fuzzy Soft Sets

(2020) Dayu Xu et al.   MATHEMATICAL PROBLEMS IN ENGINEERING

Towards explainable deep neural networks (xDNN)

(2020) Plamen Angelov et al.   NEURAL NETWORKS

One-Dimensional Convolutional Neural Networks with Feature Selection for Highly Concise Rule Extraction from Credit Scoring Datasets with Heterogeneous Attributes

(2020) Yoichi Hayashi et al.   Electronics

A new deep learning ensemble credit risk evaluation model with an improved synthetic minority oversampling technique

(2020) Feng Shen et al.   APPLIED SOFT COMPUTING

Explaining the black-box model: A survey of local interpretation methods for deep neural networks

(2020) Yu Liang et al.   NEUROCOMPUTING

Ensemble of deep sequential models for credit card fraud detection

(2020) Javad Forough et al.   APPLIED SOFT COMPUTING

A novel hybrid credit scoring model based on ensemble feature selection and multilayer ensemble classification

(2019) Diwakar Tripathi et al.   COMPUTATIONAL INTELLIGENCE

Default avoidance on credit card portfolios using accounting, demographical and exploratory factors: decision making based on machine learning (ML) techniques

(2019) Nikolaos Sariannidis et al.   ANNALS OF OPERATIONS RESEARCH

Rule-based credit risk assessment model using multi-objective evolutionary algorithms

(2019) Makram Soui et al.   EXPERT SYSTEMS WITH APPLICATIONS

Distributed outlier detection in hierarchically structured datasets with mixed attributes

(2019) Qiao Liang et al.   Quality Technology and Quantitative Management

Deep learning in business analytics and operations research: Models, applications and managerial implications

(2019) Mathias Kraus et al.   EUROPEAN JOURNAL OF OPERATIONAL RESEARCH

Application of new deep genetic cascade ensemble of SVM classifiers to predict the Australian credit scoring

(2019) Paweł Pławiak et al.   APPLIED SOFT COMPUTING

Credit score classification using spiking extreme learning machine

(2019) Venkatanareshbabu Kuppili et al.   COMPUTATIONAL INTELLIGENCE

A Bolasso based consistent feature selection enabled random forest classification algorithm: An application to credit risk assessment

(2019) Nisha Arora et al.   APPLIED SOFT COMPUTING

A Unified Entropy-Based Distance Metric for Ordinal-and-Nominal-Attribute Data Clustering

(2019) Yiqun Zhang et al.   IEEE Transactions on Neural Networks and Learning Systems

DGHNL: A new deep genetic hierarchical network of learners for prediction of credit scoring

(2019) Paweł Pławiak et al.   INFORMATION SCIENCES

Tackling Overfitting in Boosting for Noisy Healthcare Data

(2019) Yubin Park et al.   IEEE TRANSACTIONS ON KNOWLEDGE AND DATA ENGINEERING

A DBN-based resampling SVM ensemble learning paradigm for credit classification with imbalanced data

(2018) Lean Yu et al.   APPLIED SOFT COMPUTING

A hybrid system with filter approach and multiple population genetic algorithm for feature selection in credit scoring

(2018) Di Wang et al.   JOURNAL OF COMPUTATIONAL AND APPLIED MATHEMATICS

Hybrid credit scoring model using neighborhood rough set and multi-layer ensemble classification

(2018) Diwakar Tripathi et al.   JOURNAL OF INTELLIGENT & FUZZY SYSTEMS

The human-like intelligence with bio-inspired computing approach for credit ratings prediction

(2018) Feng-Jui Hsu et al.   NEUROCOMPUTING

Breast Cancer Classification Based on Fully-Connected Layer First Convolutional Neural Networks

(2018) Kui Liu et al.   IEEE Access

Classifier selection and clustering with fuzzy assignment in ensemble model for credit scoring

(2018) Haoting Zhang et al.   NEUROCOMPUTING

Use of a Deep Belief Network for Small High-Level Abstraction Data Sets Using Artificial Intelligence with Rule Extraction

(2018) Yoichi Hayashi   NEURAL COMPUTATION

Deep forest

(2018) Zhi-Hua Zhou et al.   National Science Review

Convolutional neural network learning for generic data classification

(2018) Huimei Han et al.   INFORMATION SCIENCES

A deep learning approach for credit scoring using credit default swaps

(2017) Cuicui Luo et al.   ENGINEERING APPLICATIONS OF ARTIFICIAL INTELLIGENCE

The use of profit scoring as an alternative to credit scoring systems in peer-to-peer (P2P) lending

(2016) Carlos Serrano-Cinca et al.   DECISION SUPPORT SYSTEMS

An Empirical Overview of the No Free Lunch Theorem and Its Effect on Real-World Machine Learning Classification

(2016) David Gómez et al.   NEURAL COMPUTATION

Classification Restricted Boltzmann Machine for comprehensible credit scoring model

(2015) Jakub M. Tomczak et al.   EXPERT SYSTEMS WITH APPLICATIONS

Deep learning

(2015) Yann LeCun et al.   NATURE

BRACID: a comprehensive approach to learning rules from imbalanced data

(2011) Krystyna Napierala et al.   JOURNAL OF INTELLIGENT INFORMATION SYSTEMS

Recursive Neural Network Rule Extraction for Data With Mixed Attributes

(2008) R. Setiono et al.   IEEE TRANSACTIONS ON NEURAL NETWORKS

A measure of variance for hierarchical nominal attributes

(2008) Josep Domingo-Ferrer et al.   INFORMATION SCIENCES

Representational Power of Restricted Boltzmann Machines and Deep Belief Networks

(2008) Nicolas Le Roux et al.   NEURAL COMPUTATION

An intelligent-agent-based fuzzy group decision making model for financial multicriteria decision support: The case of credit scoring

(2007) Lean Yu et al.   EUROPEAN JOURNAL OF OPERATIONAL RESEARCH