Classification Restricted Boltzmann Machine for comprehensible credit scoring model

  title={Classification Restricted Boltzmann Machine for comprehensible credit scoring model},
  author={Jakub M. Tomczak and Maciej Zieba},
  journal={Expert Syst. Appl.},
Credit scoring is the assessment of the risk associated with a consumer (an organization or an individual) that apply for the credit. Therefore, the problem of credit scoring can be stated as a discrimination between those applicants whom the lender is confident will repay credit and those applicants who are considered by the lender as insufficiently reliable. In this work we propose a novel method for constructing comprehensible scoring model by applying Classification Restricted Boltzmann… CONTINUE READING
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