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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 the Operational Research Society, 59, (5), pp. 714-718. (doi:10.1057/palgrave.jors.2602358).

Record type: Article

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 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.

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Published date: 2008
Keywords: credit scoring, coarse classifying, data mining, product customization

Identifiers

Local EPrints ID: 51740
URI: http://eprints.soton.ac.uk/id/eprint/51740
ISSN: 0160-5682
PURE UUID: 220cecf2-1f77-4403-adf2-615a7daa8f48

Catalogue record

Date deposited: 06 Jun 2008
Last modified: 17 Jul 2017 14:48

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Contributors

Author: K.M. Jung
Author: L.C. Thomas

University divisions

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