SME Credit Scoring Using Social Media Data

Credit analysis is required in a wide variety of decision of a modern economy.<br/>It includes understanding the credit risk of small-medium enterprises (SMEs),<br/>which today is the most significant contributor to the economy of almost every<br/>nation. Creditors usually use credit scoring as a tool to predict the probability of<br/>the SMEs...

Credit scoring for small medium enterprises using transaction data

Managing credit risk is a vital part of financial institutions. While the research into credit risk models is extensive, transaction data is a relatively untapped data source in these models. We investigate the explanatory value of transaction data for the Bank by developing default classification models for their small medium enterprises (SME)...