A note on coarse classifying in acceptance score cards
A note on coarse classifying in acceptance score cards
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 one increasingly customises products and their operational features 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.
University of Southampton
Jung, Ki Mun
325c8cf3-e7e9-4ffa-b439-4a5451320712
Thomas, Lyn C.
a3ce3068-328b-4bce-889f-965b0b9d2362
2004
Jung, Ki Mun
325c8cf3-e7e9-4ffa-b439-4a5451320712
Thomas, Lyn C.
a3ce3068-328b-4bce-889f-965b0b9d2362
Jung, Ki Mun and Thomas, Lyn C.
(2004)
A note on coarse classifying in acceptance score cards
(Discussion Papers in Management, M04-16)
Southampton, UK.
University of Southampton
15pp.
Record type:
Monograph
(Discussion Paper)
Abstract
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 one increasingly customises products and their operational features 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.
More information
Published date: 2004
Additional Information:
ISSN 1356-3548
Identifiers
Local EPrints ID: 35918
URI: http://eprints.soton.ac.uk/id/eprint/35918
PURE UUID: b6ac0d3e-4c53-4a86-bbf3-cfc83e42efc2
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Date deposited: 24 May 2006
Last modified: 15 Mar 2024 07:55
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Contributors
Author:
Ki Mun Jung
Author:
Lyn C. Thomas
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