Saroj K Jena | BPUT (original) (raw)
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Papers by Saroj K Jena
Advances in Business Information Systems and Analytics
Credit scoring models is a scientific methodology adopted by credit providers to assess the credi... more Credit scoring models is a scientific methodology adopted by credit providers to assess the credit worthiness of applicants. The primary objective of such models has been to predict the potentiality of the loan applicant. A proper evaluation of the credit can help the service provider to determine whether to grant or to reject credit. Therefore, the objective of the study is to predict banking credit scoring assessment using Predictive K-Nearest Neighbour (PKNN) classifier. For the purpose of analysis two different credit approval datasets: Australian credit and German credit have been used. The results from the study show that the proposed model used for classification works better on credit dataset. Here, the study firstly attempted to find the optimal ‘K' value of the neighbourhood so that the classifier is tuned to forecast the credit worthiness and secondly, validated our proposed model on two credit approval datasets by checking the performance of the proposed models on th...
Applying Predictive Analytics Within the Service Sector
Credit scoring is the most important and critical component conducted by the credit providers to ... more Credit scoring is the most important and critical component conducted by the credit providers to decide whether to grant a loan to the applicant or not. Therefore credit scoring models are generally used to predict the potentiality of the loan applicant. A proper evaluation of the credit can help the service provider to determine whether to grant or to reject the credit. The objective of the study is to predict banking credit scoring assessment using a data mining technique i.e. Functional Link Artificial Neural Network (FLANN) classifier. Credit approval datasets: Australian credit and German credit have been used to do this analysis. The output of the study shows that the proposed model used for classification works better on credit dataset. Secondly, we have applied our proposed model on the two credit approval dataset to check the performance of the model for the classification accuracy. A proper evaluation of the credit using the proposed FLANN approach can help the service provider to accurately and quickly ascertain whether to grant credit or to reject.
Advances in Business Information Systems and Analytics
Credit scoring models is a scientific methodology adopted by credit providers to assess the credi... more Credit scoring models is a scientific methodology adopted by credit providers to assess the credit worthiness of applicants. The primary objective of such models has been to predict the potentiality of the loan applicant. A proper evaluation of the credit can help the service provider to determine whether to grant or to reject credit. Therefore, the objective of the study is to predict banking credit scoring assessment using Predictive K-Nearest Neighbour (PKNN) classifier. For the purpose of analysis two different credit approval datasets: Australian credit and German credit have been used. The results from the study show that the proposed model used for classification works better on credit dataset. Here, the study firstly attempted to find the optimal ‘K' value of the neighbourhood so that the classifier is tuned to forecast the credit worthiness and secondly, validated our proposed model on two credit approval datasets by checking the performance of the proposed models on th...
Applying Predictive Analytics Within the Service Sector
Credit scoring is the most important and critical component conducted by the credit providers to ... more Credit scoring is the most important and critical component conducted by the credit providers to decide whether to grant a loan to the applicant or not. Therefore credit scoring models are generally used to predict the potentiality of the loan applicant. A proper evaluation of the credit can help the service provider to determine whether to grant or to reject the credit. The objective of the study is to predict banking credit scoring assessment using a data mining technique i.e. Functional Link Artificial Neural Network (FLANN) classifier. Credit approval datasets: Australian credit and German credit have been used to do this analysis. The output of the study shows that the proposed model used for classification works better on credit dataset. Secondly, we have applied our proposed model on the two credit approval dataset to check the performance of the model for the classification accuracy. A proper evaluation of the credit using the proposed FLANN approach can help the service provider to accurately and quickly ascertain whether to grant credit or to reject.