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The objective of the proposed study is to explore the performance of credit scoring using a two-stage hybrid modeling procedure with artificial neural networks and multivariate adaptive regression splines (MARS). The rationale under the analyses is firstly to use MARS in building the credit scoring model, the obtained significant variables are then served(More)
Credit scoring has become a very important task as the credit industry has been experiencing double-digit growth rate during the past few decades. The artificial neural network is becoming a very popular alternative in credit scoring models due to its associated memory characteristic and generalization capability. However, the decision of network’s(More)
Credit scoring has become a very important task as the credit industry has been experiencing severe competition during the past few years. The artificial neural network is becoming a very popular alternative in credit scoring models due to its associated memory characteristic and generalization capability. However, the relative importance of potential input(More)
Sales forecasting is a critical task for computer retailers endeavoring to maintain favorable sales performance and manage inventories. In this study, a clustering-based forecasting model by combining clustering and machine-learning methods is proposed for computer retailing sales forecasting. The proposed method first used the clustering technique to(More)
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