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Behavioral Patterns in Micro-lending: Enhancing Credit Risk Assessment with Collaborative Filtering and Federated Learning
16 references·0 citing·55 second hop
Behavioral Patterns in Micro-lending: Enhancing Credit Risk Assessment with Collaborative Filtering and Federated Learning (2025)Behavioral Patterns in Micro-lending: Enh…The impact of late payments on SMEs’ access to finance: Evidence from credit rationing and loan terms (2024)The impact of late payments o…Leveraging network topology for credit risk assessment in P2P lending: A comparative study under the lens of machine learning (2024)Leveraging network topology f…Feature Enhanced Ensemble Modeling With Voting Optimization for Credit Risk Assessment (2024)Feature Enhanced Ensemble Mod…Effective Credit Risk Prediction Using Ensemble Classifiers With Model Explanation (2024)Effective Credit Risk Predict…Design of a Personal Credit Risk Prediction Model and Legal Prevention of Financial Risks (2024)Design of a Personal Credit R…Peer-to-peer lending: Legal loan sharking or altruistic investment? 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(2023)Decarbonization policy and high-carbon enterprise default risk: Evidence from China (2024)Forecasting Bankruptcy More Accurately: A Simple Hazard Model (2001)Benchmarking state-of-the-art classification algorithms for credit scoring: An update of research (2015)Machine learning for credit scoring: Improving logistic regression with non-linear decision-tree effects (2021)Class imbalance Bayesian model averaging for consumer loan default prediction: The role of soft credit information (2024)SME default prediction: A systematic methods evaluation (2024)FINANCIAL RATIOS, DISCRIMINANT ANALYSIS AND THE PREDICTION OF CORPORATE BANKRUPTCY (1968)The Pricing of Options and Corporate Liabilities (1973)ON THE PRICING OF CORPORATE DEBT: THE RISK STRUCTURE OF INTEREST RATES* (1974)Latest Advancements in Credit Risk Assessment with Machine Learning and Deep Learning Techniques (2024)Louvain community-based label assignment for reject inference in peer-to-peer lending (2025)Two credit scoring models based on dual strategy ensemble trees (2011)Credit Risk Analysis Using Machine and Deep Learning Models (2018)A new deep learning ensemble credit risk evaluation model with an improved synthetic minority oversampling technique (2020)An Improved Ensemble Method With Data Resampling for Credit Risk Prediction (2025)Performance, Fairness, and Explainability in AI-Based Credit Scoring: A Systematic Literature Review (2026)
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References

  • 1991Loan-loss experience and risk-taking behavior at large commercial banks233 cited
  • 2019Big data analytics on enterprise credit risk evaluation of e-Business platform101 cited
  • 1995Regulation, recession, and bank lending behavior: The 1990 credit crunch97 cited
  • 2022Credit risk assessment mechanism of personal auto loan based on PSO-XGBoost Model84 cited
  • 2019From Credit Risk to Social Impact: On the Funding Determinants in Interest-Free Peer-to-Peer Lending67 cited
  • 2022Climate change and credit risk: The effect of carbon tax on Italian banks' business loan default rates43 cited
  • 2008Information, Credit Risk, Lender Specialization and Loan Pricing: Evidence from the DIP Financing Market38 cited
  • 2024Effective Credit Risk Prediction Using Ensemble Classifiers With Model Explanation34 cited
  • 2024Leveraging network topology for credit risk assessment in P2P lending: A comparative study under the lens of machine learning32 cited
  • 2023Credit risk prediction based on loan profit: Evidence from Chinese SMEs28 cited
  • 2020Identifying Fintech risk through machine learning: analyzing the Q&A text of an online loan investment platform26 cited
  • 2023Peer-to-peer lending: Legal loan sharking or altruistic investment? Analyzing platform investments from a credit risk perspective23 cited
  • 2024The impact of late payments on SMEs’ access to finance: Evidence from credit rationing and loan terms23 cited

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  • 2024Design of a Personal Credit Risk Prediction Model and Legal Prevention of Financial Risks17 cited
  • 2024Feature Enhanced Ensemble Modeling With Voting Optimization for Credit Risk Assessment16 cited
  • 2006Bank capitalization and lending behavior after the introduction of the Basle Accord16 cited
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