{"id":"https://openalex.org/W4408543711","doi":"https://doi.org/10.1007/s44196-025-00776-w","title":"Behavioral Patterns in Micro-lending: Enhancing Credit Risk Assessment with Collaborative Filtering and Federated Learning","display_name":"Behavioral Patterns in Micro-lending: Enhancing Credit Risk Assessment with Collaborative Filtering and Federated Learning","publication_year":2025,"publication_date":"2025-03-18","ids":{"openalex":"https://openalex.org/W4408543711","doi":"https://doi.org/10.1007/s44196-025-00776-w"},"language":"en","primary_location":{"id":"doi:10.1007/s44196-025-00776-w","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s44196-025-00776-w","pdf_url":"https://link.springer.com/content/pdf/10.1007/s44196-025-00776-w.pdf","source":{"id":"https://openalex.org/S190680769","display_name":"International Journal of Computational Intelligence Systems","issn_l":"1875-6883","issn":["1875-6883","1875-6891"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319965","host_organization_name":"Springer Nature","host_organization_lineage":["https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Nature"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Computational Intelligence Systems","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://link.springer.com/content/pdf/10.1007/s44196-025-00776-w.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5086028034","display_name":"Asma Aldrees","orcid":"https://orcid.org/0000-0003-0448-9889"},"institutions":[{"id":"https://openalex.org/I82952536","display_name":"King Khalid University","ror":"https://ror.org/052kwzs30","country_code":"SA","type":"education","lineage":["https://openalex.org/I82952536"]}],"countries":["SA"],"is_corresponding":true,"raw_author_name":"Asma Aldrees","raw_affiliation_strings":["Department of Informatics and Computer Systems, College of Computer Science, King Khalid University, Abha, 61421, Saudi Arabia"],"affiliations":[{"raw_affiliation_string":"Department of Informatics and Computer Systems, College of Computer Science, King Khalid University, Abha, 61421, Saudi Arabia","institution_ids":["https://openalex.org/I82952536"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5080581779","display_name":"Sana Shahab","orcid":"https://orcid.org/0000-0003-0254-3351"},"institutions":[{"id":"https://openalex.org/I4210165529","display_name":"University of Business and Technology","ror":"https://ror.org/05tcr1n44","country_code":"SA","type":"education","lineage":["https://openalex.org/I4210165529"]},{"id":"https://openalex.org/I106778892","display_name":"Princess Nourah bint Abdulrahman University","ror":"https://ror.org/05b0cyh02","country_code":"SA","type":"education","lineage":["https://openalex.org/I106778892"]}],"countries":["SA"],"is_corresponding":false,"raw_author_name":"Sana Shahab","raw_affiliation_strings":["Department of Business Administration, College of Business Administration, Princess Nourah Bint Abdulrahman University, PO Box 84428, Riyadh, 11671, Saudi Arabia"],"affiliations":[{"raw_affiliation_string":"Department of Business Administration, College of Business Administration, Princess Nourah Bint Abdulrahman University, PO Box 84428, Riyadh, 11671, Saudi Arabia","institution_ids":["https://openalex.org/I106778892","https://openalex.org/I4210165529"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5073416127","display_name":"Ashit Kumar Dutta","orcid":"https://orcid.org/0000-0002-1208-2678"},"institutions":[{"id":"https://openalex.org/I4391767729","display_name":"Almaarefa University","ror":"https://ror.org/00s3s5518","country_code":null,"type":"education","lineage":["https://openalex.org/I4391767729"]}],"countries":["SA"],"is_corresponding":false,"raw_author_name":"Ashit Kumar Dutta","raw_affiliation_strings":["Department of Computer Science and Information Systems, College of Applied Sciences, AlMaarefa University, Ad Diriyah, Riyadh, 13713, Kingdom of Saudi Arabia"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Information Systems, College of Applied Sciences, AlMaarefa University, Ad Diriyah, Riyadh, 13713, Kingdom of Saudi Arabia","institution_ids":["https://openalex.org/I4391767729"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5103202745","display_name":"Waseem Ahmad","orcid":"https://orcid.org/0000-0002-1215-2920"},"institutions":[{"id":"https://openalex.org/I72769676","display_name":"Gautam Buddha University","ror":"https://ror.org/026cfwd52","country_code":"IN","type":"education","lineage":["https://openalex.org/I72769676"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Waseem Ahmad","raw_affiliation_strings":["Department of Computer Science and Engineering, Vishveshwarya Group of Institutions (VGI), Greater Noida, Gautam Buddha Nagar, Uttar Pradesh, 201314, India"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Vishveshwarya Group of Institutions (VGI), Greater Noida, Gautam Buddha Nagar, Uttar Pradesh, 201314, India","institution_ids":["https://openalex.org/I72769676"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5069205023","display_name":"Mohd Anjum","orcid":"https://orcid.org/0000-0003-4094-3786"},"institutions":[{"id":"https://openalex.org/I171210897","display_name":"Aligarh Muslim University","ror":"https://ror.org/03kw9gc02","country_code":"IN","type":"education","lineage":["https://openalex.org/I171210897"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Mohd Anjum","raw_affiliation_strings":["Department of Computer Engineering, Aligarh Muslim University, Aligarh, 202002, India"],"affiliations":[{"raw_affiliation_string":"Department of Computer Engineering, Aligarh Muslim University, Aligarh, 202002, India","institution_ids":["https://openalex.org/I171210897"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5086028034"],"corresponding_institution_ids":["https://openalex.org/I82952536"],"apc_list":{"value":1390,"currency":"GBP","value_usd":1704},"apc_paid":{"value":1390,"currency":"GBP","value_usd":1704},"fwci":6.4619,"has_fulltext":false,"cited_by_count":3,"citation_normalized_percentile":{"value":0.95726919,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":99},"biblio":{"volume":"18","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9991000294685364,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9991000294685364,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9883000254631042,"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"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9589999914169312,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"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/computer-science","display_name":"Computer science","score":0.5387104749679565},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.5272378325462341},{"id":"https://openalex.org/keywords/collaborative-filtering","display_name":"Collaborative filtering","score":0.48030370473861694},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.4294894337654114},{"id":"https://openalex.org/keywords/risk-assessment","display_name":"Risk assessment","score":0.4177168011665344},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.40482932329177856},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.37541237473487854},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.31055164337158203},{"id":"https://openalex.org/keywords/recommender-system","display_name":"Recommender system","score":0.14726510643959045},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.10815295577049255}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5387104749679565},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5272378325462341},{"id":"https://openalex.org/C21569690","wikidata":"https://www.wikidata.org/wiki/Q94702","display_name":"Collaborative filtering","level":3,"score":0.48030370473861694},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.4294894337654114},{"id":"https://openalex.org/C12174686","wikidata":"https://www.wikidata.org/wiki/Q1058438","display_name":"Risk assessment","level":2,"score":0.4177168011665344},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.40482932329177856},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.37541237473487854},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.31055164337158203},{"id":"https://openalex.org/C557471498","wikidata":"https://www.wikidata.org/wiki/Q554950","display_name":"Recommender system","level":2,"score":0.14726510643959045},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.10815295577049255}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1007/s44196-025-00776-w","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s44196-025-00776-w","pdf_url":"https://link.springer.com/content/pdf/10.1007/s44196-025-00776-w.pdf","source":{"id":"https://openalex.org/S190680769","display_name":"International Journal of Computational Intelligence Systems","issn_l":"1875-6883","issn":["1875-6883","1875-6891"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319965","host_organization_name":"Springer Nature","host_organization_lineage":["https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Nature"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Computational Intelligence Systems","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:8d2fe9cebb62406c97172fcc121d1b31","is_oa":true,"landing_page_url":"https://doaj.org/article/8d2fe9cebb62406c97172fcc121d1b31","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"International Journal of Computational Intelligence Systems, Vol 18, Iss 1, Pp 1-24 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1007/s44196-025-00776-w","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s44196-025-00776-w","pdf_url":"https://link.springer.com/content/pdf/10.1007/s44196-025-00776-w.pdf","source":{"id":"https://openalex.org/S190680769","display_name":"International Journal of Computational Intelligence Systems","issn_l":"1875-6883","issn":["1875-6883","1875-6891"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319965","host_organization_name":"Springer Nature","host_organization_lineage":["https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Nature"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Computational Intelligence Systems","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.4300000071525574,"display_name":"Decent work and economic growth"}],"awards":[{"id":"https://openalex.org/G1255095489","display_name":null,"funder_award_id":"MHIRSP2024005","funder_id":"https://openalex.org/F4320318809","funder_display_name":"AlMaarefa University"},{"id":"https://openalex.org/G1875120758","display_name":null,"funder_award_id":"PNURSP2025R259","funder_id":"https://openalex.org/F4320322484","funder_display_name":"Princess Nourah Bint Abdulrahman University"},{"id":"https://openalex.org/G7164195533","display_name":null,"funder_award_id":"RGP1/296/45","funder_id":"https://openalex.org/F4320324433","funder_display_name":"King Khalid University"}],"funders":[{"id":"https://openalex.org/F4320318809","display_name":"AlMaarefa University","ror":null},{"id":"https://openalex.org/F4320322484","display_name":"Princess Nourah Bint Abdulrahman University","ror":"https://ror.org/05b0cyh02"},{"id":"https://openalex.org/F4320324433","display_name":"King Khalid University","ror":"https://ror.org/052kwzs30"}],"has_content":{"grobid_xml":false,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4408543711.pdf"},"referenced_works_count":34,"referenced_works":["https://openalex.org/W1992987594","https://openalex.org/W1993591698","https://openalex.org/W2019604252","https://openalex.org/W2026294643","https://openalex.org/W2027347945","https://openalex.org/W2052184267","https://openalex.org/W2102563165","https://openalex.org/W2766022299","https://openalex.org/W2959466452","https://openalex.org/W2964767724","https://openalex.org/W2987741073","https://openalex.org/W3116869675","https://openalex.org/W3174424666","https://openalex.org/W4295733249","https://openalex.org/W4307134570","https://openalex.org/W4310291191","https://openalex.org/W4379514028","https://openalex.org/W4383559188","https://openalex.org/W4386947325","https://openalex.org/W4388082677","https://openalex.org/W4390269013","https://openalex.org/W4391400732","https://openalex.org/W4391888578","https://openalex.org/W4396673853","https://openalex.org/W4396699123","https://openalex.org/W4401486565","https://openalex.org/W4401633972","https://openalex.org/W4401691816","https://openalex.org/W4402742292","https://openalex.org/W4402758184","https://openalex.org/W4402908232","https://openalex.org/W4403013051","https://openalex.org/W4403295182","https://openalex.org/W4404222660"],"related_works":["https://openalex.org/W2398165842","https://openalex.org/W197922276","https://openalex.org/W4226158052","https://openalex.org/W1809731386","https://openalex.org/W4388863299","https://openalex.org/W2160332782","https://openalex.org/W2945818642","https://openalex.org/W2146181690","https://openalex.org/W2006998619","https://openalex.org/W2556985004"],"abstract_inverted_index":{"Credit":[0],"risk":[1,119,178],"assessment":[2],"uses":[3],"finance-based":[4],"behavioural":[5,108,143,167],"patterns":[6,18,168],"for":[7,112,120,169],"micro-lending":[8,37,130],"purposes":[9],"and":[10,15,25,33,85,124,183],"organizations.":[11],"The":[12,62,132,174,193],"repayment":[13,23],"behaviour":[14],"credit":[16,48,83,118,149,172],"stability":[17,128],"are":[19,151],"analyzed":[20],"across":[21,190],"varying":[22],"tenures":[24],"financed":[26,191],"amounts.":[27,192],"Due":[28],"to":[29,45,98,145],"limited":[30],"borrower":[31],"data":[32],"fluctuating":[34],"financial":[35,127],"patterns,":[36],"platforms":[38],"have":[39],"substantial":[40],"hurdles":[41],"when":[42],"it":[43],"comes":[44],"effectively":[46],"evaluating":[47],"risk.":[49],"This":[50,77],"article":[51],"introduces":[52],"a":[53],"Collaborative":[54],"Filtering":[55],"Method":[56],"using":[57,153],"Lending":[58],"Pattern":[59],"Analysis":[60],"(CFM-LPA).":[61],"proposed":[63,175],"method":[64,176],"is":[65,110,134,196],"enhanced":[66],"through":[67],"collaborative":[68],"federated":[69],"learning,":[70],"enabling":[71],"the":[72,80,107,117,126,138,142,158,170],"analysis":[73,187],"of":[74,95,129],"these":[75,96,105],"patterns.":[76,102],"approach":[78],"evaluates":[79],"return":[81,114,122,160,185],"rate,":[82],"limit,":[84],"consumer":[86],"response":[87],"behaviours.":[88],"Federated":[89],"learning":[90],"processes":[91],"one":[92],"or":[93],"more":[94],"factors":[97],"assess":[99],"diverse":[100],"lending":[101],"Based":[103],"on":[104,137],"evaluations,":[106],"factor":[109,144,156],"updated":[111],"each":[113],"period,":[115],"influencing":[116],"subsequent":[121],"periods":[123],"supporting":[125],"operations.":[131],"model":[133],"trained":[135],"individually":[136],"identified":[139,152],"factors,":[140],"allowing":[141],"be":[146],"filtered.":[147],"New":[148],"risks":[150],"this":[154],"filtered":[155],"from":[157],"previous":[159],"period.":[161],"These":[162],"insights":[163],"help":[164],"define":[165],"new":[166],"specified":[171],"limit.":[173],"enhances":[177],"detection":[179],"accuracy":[180],"by":[181,188],"14.03%":[182],"improves":[184],"rate":[186],"13.28%":[189],"above":[194],"abstract":[195],"also":[197],"graphically":[198],"presented.":[199]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":1}],"updated_date":"2026-04-10T15:06:20.359241","created_date":"2025-10-10T00:00:00"}
