A note on coarse classifying in acceptance scorecards

Jung, K.M. and Thomas, L.C. (2008) A note on coarse classifying in acceptance scorecards. Journal of Operational Research Society, 59, (5), 714-718. (doi:10.1057/palgrave.jors.2602358).


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Traditionally, in credit and behavioural scoring one assumes that as all consumers have essentially the same product, its features will not affect whether the consumer defaults or not. Hence, one coarse classifies the characteristics concentrating only on the default ratio. As products and their operational features become customized for each individual (the very purpose of acceptance scoring), then decisions like whether the customer will accept the product or not must depend on the features offered. This paper investigates how one can deal with this dependency when coarse classifying the characteristics.

Item Type: Article
Digital Object Identifier (DOI): doi:10.1057/palgrave.jors.2602358
ISSNs: 0160-5682 (print)
Related URLs:
Keywords: credit scoring, coarse classifying, data mining, product customization
Subjects: H Social Sciences > HG Finance
H Social Sciences > HB Economic Theory
Divisions : University Structure - Pre August 2011 > School of Management
ePrint ID: 51740
Accepted Date and Publication Date:
Date Deposited: 06 Jun 2008
Last Modified: 31 Mar 2016 12:29
URI: http://eprints.soton.ac.uk/id/eprint/51740

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