[HTML][HTML] How can Artificial Intelligence (AI) be used to manage Customer Lifetime Value (CLV)—A systematic literature review
EB Firmansyah, MR Machado, JLR Moreira - International Journal of …, 2024 - Elsevier
Abstract Customer Lifetime Value (CLV) represents the total worth of a customer to a
company over time, aiding businesses in resource allocation and tailored marketing for …
company over time, aiding businesses in resource allocation and tailored marketing for …
Classification methods applied to credit scoring: Systematic review and overall comparison
The need for controlling and effectively managing credit risk has led financial institutions to
excel in improving techniques designed for this purpose, resulting in the development of …
excel in improving techniques designed for this purpose, resulting in the development of …
The use of profit scoring as an alternative to credit scoring systems in peer-to-peer (P2P) lending
C Serrano-Cinca, B Gutiérrez-Nieto - Decision Support Systems, 2016 - Elsevier
This study goes beyond peer-to-peer (P2P) lending credit scoring systems by proposing a
profit scoring. Credit scoring systems estimate loan default probability. Although failed …
profit scoring. Credit scoring systems estimate loan default probability. Although failed …
Wide and deep learning for peer-to-peer lending
This paper proposes a two-stage scoring approach to help lenders decide their fund
allocations in peer-to-peer (P2P) lending market. The existing scoring approaches focus on …
allocations in peer-to-peer (P2P) lending market. The existing scoring approaches focus on …
Loan evaluation in P2P lending based on random forest optimized by genetic algorithm with profit score
X Ye, L Dong, D Ma - Electronic Commerce Research and Applications, 2018 - Elsevier
Loan evaluation is an effective method for credit risk assessment in peer-to-peer (P2P)
lending and significantly affects lender investment decisions as well as his/her profits …
lending and significantly affects lender investment decisions as well as his/her profits …
Applying hybrid machine learning algorithms to assess customer risk-adjusted revenue in the financial industry
MR Machado, S Karray - Electronic Commerce Research and Applications, 2022 - Elsevier
Abstract A Peer-to-Peer (P2P) service is a decentralized platform that directly connects
individuals, buyers (lenders) and sellers (investors) without the intermediation of a third …
individuals, buyers (lenders) and sellers (investors) without the intermediation of a third …
[HTML][HTML] Estimating credit and profit scoring of a Brazilian credit union with logistic regression and machine-learning techniques
Purpose Although credit unions are nonprofit organizations, their objectives depend on the
efficient management of their resources and credit risk aligned with the principles of the …
efficient management of their resources and credit risk aligned with the principles of the …
A Bayesian approach for incorporating expert opinions into decision support systems: A case study of online consumer-satisfaction detection
Interest in the use of (big) company data and data-mining models to guide decisions
exploded in recent years. In many domains there are human experts whose knowledge is …
exploded in recent years. In many domains there are human experts whose knowledge is …
[HTML][HTML] Exposure at default models with and without the credit conversion factor
Abstract The Basel II and III Accords allow banks to calculate regulatory capital using their
own internally developed models under the advanced internal ratings-based approach …
own internally developed models under the advanced internal ratings-based approach …
[PDF][PDF] Credit risk assessment in P2P lending using LightGBM and particle swarm optimization
The credit risk evaluation is a vital task in the P2P Lending platform. An effective credit risk
assessment method in a P2P lending platform can significantly influence investors' …
assessment method in a P2P lending platform can significantly influence investors' …