{"id":"https://openalex.org/W4409425532","doi":"https://doi.org/10.2139/ssrn.5183264","title":"A critical analysis of the impact of feature selection and feature engineering on credit risk assessment using machine learning techniques: A systematic review","display_name":"A critical analysis of the impact of feature selection and feature engineering on credit risk assessment using machine learning techniques: A systematic review","publication_year":2025,"publication_date":"2025-01-01","ids":{"openalex":"https://openalex.org/W4409425532","doi":"https://doi.org/10.2139/ssrn.5183264"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.5183264","doi":"https://doi.org/10.2139/ssrn.5183264","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.5183264","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.5183264","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5069127300","display_name":"Arash Salehpour","orcid":"https://orcid.org/0000-0003-2770-1619","observed_orcids":["https://orcid.org/0000-0003-2770-1619"]},"institutions":[{"id":"https://openalex.org/I41832843","display_name":"University of Tabriz","ror":"https://ror.org/01papkj44","country_code":"IR","type":"education","lineage":["https://openalex.org/I41832843"]}],"countries":["IR"],"is_corresponding":true,"raw_author_name":"Arash Salehpour","raw_affiliation_strings":["University of Tabriz, Department of Computer Engineering","University of Tabriz, Department of Computer Engineering, Tabriz, Iran"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Tabriz, Department of Computer Engineering","institution_ids":["https://openalex.org/I41832843"]},{"raw_affiliation_string":"University of Tabriz, Department of Computer Engineering, Tabriz, Iran","institution_ids":["https://openalex.org/I41832843"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5077629250","display_name":"Karim Samadzamini","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210120856","display_name":"University College of Nabi Akram","ror":"https://ror.org/02kqbjv38","country_code":"IR","type":"education","lineage":["https://openalex.org/I4210120856"]}],"countries":["IR"],"is_corresponding":false,"raw_author_name":"Karim Samadzamini","raw_affiliation_strings":["University of Nabi Akram"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Nabi Akram","institution_ids":["https://openalex.org/I4210120856"]}]},{"author_position":"last","author":{"id":null,"display_name":"Reza Javadpour Moghadam","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Reza Javadpour Moghadam","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5069127300"],"corresponding_institution_ids":["https://openalex.org/I41832843"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9951000213623047,"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":0.9951000213623047,"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":0.0027000000700354576,"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/T12384","display_name":"Customer churn and segmentation","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"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":0.984000027179718},{"id":"https://openalex.org/keywords/feature-selection","display_name":"feature selection","score":1.0},{"id":"https://openalex.org/keywords/feature-engineering","display_name":"feature engineering","score":1.0},{"id":"https://openalex.org/keywords/dimensionality-reduction","display_name":"dimensionality reduction","score":0.9319999814033508},{"id":"https://openalex.org/keywords/correlation-based-feature-selection","display_name":"correlation-based feature selection","score":0.8830000162124634},{"id":"https://openalex.org/keywords/principal-component-analysis","display_name":"principal component analysis","score":1.0},{"id":"https://openalex.org/keywords/support-vector-machine","display_name":"support vector machine","score":0.925000011920929},{"id":"https://openalex.org/keywords/random-forest","display_name":"random forest","score":0.9980000257492065},{"id":"https://openalex.org/keywords/deep-learning","display_name":"deep learning","score":0.7409999966621399},{"id":"https://openalex.org/keywords/class-imbalance","display_name":"class imbalance","score":0.6389999985694885},{"id":"https://openalex.org/keywords/reproducibility","display_name":"reproducibility","score":0.7310000061988831}],"concepts":[{"id":"https://openalex.org/C2778827112","wikidata":"https://www.wikidata.org/wiki/Q22245680","display_name":"Feature engineering","level":3,"score":0.7454190254211426},{"id":"https://openalex.org/C148483581","wikidata":"https://www.wikidata.org/wiki/Q446488","display_name":"Feature selection","level":2,"score":0.6899791955947876},{"id":"https://openalex.org/C2776401178","wikidata":"https://www.wikidata.org/wiki/Q12050496","display_name":"Feature (linguistics)","level":2,"score":0.5757867097854614},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5362125635147095},{"id":"https://openalex.org/C81917197","wikidata":"https://www.wikidata.org/wiki/Q628760","display_name":"Selection (genetic algorithm)","level":2,"score":0.5231876969337463},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.43505024909973145},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.42131394147872925},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.3661821484565735},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.3296186625957489},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.23481526970863342},{"id":"https://openalex.org/C108583219","wikidata":"https://www.wikidata.org/wiki/Q197536","display_name":"Deep learning","level":2,"score":0.07941967248916626},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.2139/ssrn.5183264","doi":"https://doi.org/10.2139/ssrn.5183264","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.5183264","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"}],"best_oa_location":{"id":"doi:10.2139/ssrn.5183264","doi":"https://doi.org/10.2139/ssrn.5183264","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.5183264","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"sustainable_development_goals":[],"study_designs":[{"id":"https://openalex.org/study-designs/systematic-review","display_name":"Systematic Review"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4417147538","https://openalex.org/W4404867150","https://openalex.org/W4412020134","https://openalex.org/W4405936799","https://openalex.org/W4285588387","https://openalex.org/W2336631262","https://openalex.org/W7220087167","https://openalex.org/W3122622005","https://openalex.org/W4414191655","https://openalex.org/W4400563800"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-11-09T13:22:03.289127","created_date":"2025-04-15T00:00:00"}
