References

• 2018Credit Risk Analysis Using Machine and Deep Learning Models318 cited
• 2011Two credit scoring models based on dual strategy ensemble trees244 cited
• 2020A new deep learning ensemble credit risk evaluation model with an improved synthetic minority oversampling technique234 cited
• 2020Machine learning techniques for credit risk evaluation: a systematic literature review226 cited
• 2013Consumer credit risk: Individual probability estimates using machine learning196 cited
• 2019A study on predicting loan default based on the random forest algorithm187 cited
• 2019Integration of unsupervised and supervised machine learning algorithms for credit risk assessment176 cited
• 2020A Comparative Performance Assessment of Ensemble Learning for Credit Scoring152 cited
• 2022Assessing credit risk of commercial customers using hybrid machine learning algorithms130 cited
• 2022An explainable predictive model for suicide attempt risk using an ensemble learning and Shapley Additive Explanations (SHAP) approach124 cited
• 2023Toward interpretable credit scoring: integrating explainable artificial intelligence with deep learning for credit card default prediction105 cited
• 2022Credit risk assessment mechanism of personal auto loan based on PSO-XGBoost Model84 cited
• 2024A machine learning-based credit risk prediction engine system using a stacked classifier and a filter-based feature selection method84 cited