{"id":"https://openalex.org/W4379017342","doi":"https://doi.org/10.1109/icict57646.2023.10134486","title":"Credit Risk Prediction using Ensemble Machine Learning Algorithms","display_name":"Credit Risk Prediction using Ensemble Machine Learning Algorithms","publication_year":2023,"publication_date":"2023-04-26","ids":{"openalex":"https://openalex.org/W4379017342","doi":"https://doi.org/10.1109/icict57646.2023.10134486"},"language":"en","primary_location":{"id":"doi:10.1109/icict57646.2023.10134486","doi":"https://doi.org/10.1109/icict57646.2023.10134486","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icict57646.2023.10134486","pdf_url":null,"source":{"id":"https://openalex.org/S4363607933","display_name":"International Conference on Inventive Computation Technologies (ICICT)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2023 International Conference on Inventive Computation Technologies (ICICT)","raw_type":"proceedings-article"},"volume":null,"type":"conference-paper","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5083258556","display_name":"Vijaya Krishna Kanaparthi","orcid":"https://orcid.org/0000-0003-2054-3101","observed_orcids":["https://orcid.org/0000-0003-2054-3101"]},"institutions":[{"id":"https://openalex.org/I1290206253","display_name":"Microsoft (United States)","ror":"https://ror.org/00d0nc645","country_code":"US","type":"company","lineage":["https://openalex.org/I1290206253"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Vijaya Kanaparthi","raw_affiliation_strings":["Microsoft,Northlake,Texas,USA,76226"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Microsoft,Northlake,Texas,USA,76226","institution_ids":["https://openalex.org/I1290206253"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5083258556"],"corresponding_institution_ids":["https://openalex.org/I1290206253"],"apc_list":null,"apc_paid":null,"fwci":48.2655,"has_fulltext":false,"cited_by_count":41,"citation_normalized_percentile":{"value":0.99942529,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":97,"max":100},"biblio":{"volume":null,"issue":null,"first_page":"41","last_page":"47"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9955999851226807,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9955999851226807,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.002199999988079071,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk-assessment","display_name":"credit risk assessment","score":1.0},{"id":"https://openalex.org/keywords/loan-default","display_name":"loan default","score":0.6359999775886536},{"id":"https://openalex.org/keywords/ensemble-learning","display_name":"ensemble learning","score":0.7490000128746033},{"id":"https://openalex.org/keywords/gradient-boosting","display_name":"gradient boosting","score":0.8379999995231628},{"id":"https://openalex.org/keywords/xgboost","display_name":"XGBoost","score":1.0},{"id":"https://openalex.org/keywords/catboost","display_name":"CatBoost","score":0.9990000128746033},{"id":"https://openalex.org/keywords/random-forest","display_name":"random forest","score":0.7170000076293945},{"id":"https://openalex.org/keywords/feature-selection","display_name":"feature selection","score":0.75},{"id":"https://openalex.org/keywords/information-gain","display_name":"information gain","score":0.996999979019165},{"id":"https://openalex.org/keywords/underbanked-populations","display_name":"underbanked populations","score":0.7870000004768372}],"concepts":[{"id":"https://openalex.org/C70153297","wikidata":"https://www.wikidata.org/wiki/Q5591907","display_name":"Gradient boosting","level":3,"score":0.8275970220565796},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.7594045400619507},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7037773132324219},{"id":"https://openalex.org/C141404830","wikidata":"https://www.wikidata.org/wiki/Q2823869","display_name":"AdaBoost","level":3,"score":0.6993625164031982},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.6454656720161438},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.639754056930542},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5754307508468628},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.558892011642456},{"id":"https://openalex.org/C46686674","wikidata":"https://www.wikidata.org/wiki/Q466303","display_name":"Boosting (machine learning)","level":2,"score":0.5253183841705322},{"id":"https://openalex.org/C45942800","wikidata":"https://www.wikidata.org/wiki/Q245652","display_name":"Ensemble learning","level":2,"score":0.5090977549552917},{"id":"https://openalex.org/C2777910564","wikidata":"https://www.wikidata.org/wiki/Q694563","display_name":"Collateral","level":2,"score":0.4886093735694885},{"id":"https://openalex.org/C11413529","wikidata":"https://www.wikidata.org/wiki/Q8366","display_name":"Algorithm","level":1,"score":0.46829524636268616},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.41221633553504944},{"id":"https://openalex.org/C12267149","wikidata":"https://www.wikidata.org/wiki/Q282453","display_name":"Support vector machine","level":2,"score":0.2079564332962036},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.11227366328239441}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/icict57646.2023.10134486","doi":"https://doi.org/10.1109/icict57646.2023.10134486","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icict57646.2023.10134486","pdf_url":null,"source":{"id":"https://openalex.org/S4363607933","display_name":"International Conference on Inventive Computation Technologies (ICICT)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2023 International Conference on Inventive Computation Technologies (ICICT)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"sustainable_development_goals_aurora":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W2498672755","https://openalex.org/W2787092213","https://openalex.org/W2889639416","https://openalex.org/W2969657600","https://openalex.org/W2970752452","https://openalex.org/W2976375543","https://openalex.org/W3038141497","https://openalex.org/W3045991306","https://openalex.org/W3083961251","https://openalex.org/W3105737798","https://openalex.org/W3121588992","https://openalex.org/W3137399302","https://openalex.org/W3153243574","https://openalex.org/W3184858604","https://openalex.org/W4200437832","https://openalex.org/W4220910797","https://openalex.org/W4225314306","https://openalex.org/W4243162126","https://openalex.org/W4307067672"],"related_works":["https://openalex.org/W4416302305","https://openalex.org/W3208808136","https://openalex.org/W7134169104","https://openalex.org/W4409272508","https://openalex.org/W4407002269","https://openalex.org/W4411173548","https://openalex.org/W4409830548","https://openalex.org/W7220308481","https://openalex.org/W7204017392","https://openalex.org/W3046045515"],"abstract_inverted_index":{"Credit":[0],"risk":[1,59],"is":[2,21,70,120],"a":[3,19,53],"significant":[4],"focus":[5],"in":[6,27,60],"the":[7,14,30,36,79,83,96,104,134,149,172,177,180,184,187,193],"banking":[8],"and":[9,38,72,115,130,142,155,158,163,189],"finance":[10],"industry":[11],"since":[12],"evaluating":[13,78],"borrower's":[15],"ability":[16],"to":[17,35,199,202,205],"repay":[18],"loan":[20],"crucial":[22],"before":[23,44],"extending":[24],"credit.":[25],"Also,":[26],"emerging":[28],"nations,":[29],"underbanked":[31],"population":[32],"lacks":[33],"access":[34],"collateral":[37],"identification":[39],"often":[40],"necessary":[41],"by":[42,77,147],"banks":[43],"they":[45],"will":[46],"issue":[47],"loans.":[48],"This":[49],"research":[50],"study":[51],"proposes":[52],"novel":[54],"approach":[55,119,195],"for":[56,94,174],"predicting":[57],"credit":[58,102,204],"financial":[61,200],"institutions":[62,201],"using":[63,82],"ensemble":[64],"machine":[65,97],"learning":[66,98],"models.":[67,99],"The":[68,87,117],"data":[69],"preprocessed,":[71],"relevant":[73,90],"features":[74,91],"are":[75,92],"selected":[76,93],"feature's":[80],"importance":[81],"information":[84],"gain":[85],"method.":[86],"first":[88],"ten":[89],"training":[95,151,175],"To":[100],"predict":[101],"risk,":[103],"suggested":[105],"method":[106],"used":[107],"gradient":[108],"boosting":[109],"algorithms,":[110],"including":[111],"XGBoost,":[112],"XGBoost":[113,167,181],"RF,":[114],"CatBoost.":[116,178],"proposed":[118,194],"compared":[121],"with":[122],"other":[123,145],"state-of-the-art":[124],"algorithms":[125,139,146],"like":[126,140],"Adaboost,":[127],"Random":[128],"forest,":[129],"neural":[131],"networks.":[132],"Moreover,":[133],"findings":[135],"prove":[136],"that":[137],"gradient-boosting":[138],"Xgboost":[141],"CatBoost":[143],"outpace":[144],"achieving":[148],"highest":[150],"accuracy":[152,160,188],"of":[153,161,171],"93.7%":[154],"93.6%,":[156],"respectively,":[157],"testing":[159],"93.6%":[162],"93.8%,":[164],"respectively.":[165],"While":[166],"takes":[168],"comparatively":[169],"one-third":[170],"time":[173,190],"concerning":[176],"Hence,":[179,192],"outperforms":[182],"all":[183],"models":[185],"regarding":[186],"trade-off.":[191],"can":[196],"be":[197],"applied":[198],"provide":[203],"high-security":[206],"borrowers.":[207]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":13},{"year":2024,"cited_by_count":20},{"year":2023,"cited_by_count":4}],"updated_date":"2026-10-14T16:39:01.820549","created_date":"2023-06-02T00:00:00"}