Browsing Faculty of Natural and Agricultural Sciences by Subject "Credit scoring"
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Autobin: a predictive approach towards automatic binning using data splitting
(SASA, 2018)The concept of binning is known by many names: discretisation, classing, grouping and quantisation. It entails the mapping of continuous or categorical data into discrete bins. Binning is an important pre-processing step ... -
An optimised credit scorecard to enhance cut-off score determination
(AOSIS, 2018)Background: Credit scoring is a statistical tool allowing banks to distinguish between good and bad clients. However, literature in the world of credit scoring is limited. In this article parametric and non-parametric ...