Federico Ferretti

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This article explores credit scoring systems as a tool used by the credit industry to evaluate consumers' credit applications and creditworthiness within the context of the EU. After an analysis of the technologies and techniques behind the scoring of individuals, it investigates the most relevant issues behind the reporting of consumer financial(More)
The majority of published sensitivity analyses (SAs) are either local or one factor-at-a-time (OAT) analyses, relying on unjustified assumptions of model linearity and additivity. Global approaches to sensitivity analyses (GSA) which would obviate these shortcomings, are applied by a minority of researchers. By reviewing the academic literature on SA, we(More)
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