{"id":"https://openalex.org/W2077249246","doi":"https://doi.org/10.1109/aiccsa.2013.6616489","title":"Credit scoring model based on Baum-Welch method","display_name":"Credit scoring model based on Baum-Welch method","publication_year":2013,"publication_date":"2013-05-01","ids":{"openalex":"https://openalex.org/W2077249246","doi":"https://doi.org/10.1109/aiccsa.2013.6616489","mag":"2077249246"},"language":"en","primary_location":{"id":"doi:10.1109/aiccsa.2013.6616489","is_oa":false,"landing_page_url":"https://doi.org/10.1109/aiccsa.2013.6616489","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2013 ACS International Conference on Computer Systems and Applications (AICCSA)","raw_type":"proceedings-article"},"type":"article","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/A5043083848","display_name":"Badreddine Benyacoub","orcid":"https://orcid.org/0000-0003-2051-3914"},"institutions":[{"id":"https://openalex.org/I126477371","display_name":"Mohammed V University","ror":"https://ror.org/00r8w8f84","country_code":"MA","type":"education","lineage":["https://openalex.org/I126477371"]}],"countries":["MA"],"is_corresponding":true,"raw_author_name":"Badreddine Benyacoub","raw_affiliation_strings":["Faculty of Sciences, University Mohammed V-Agdal, Rabat, Morocco","Lab. of Math., Comput. Sci. & Applic., Univ. Mohammed V-Agdal, Rabat, Morocco"],"affiliations":[{"raw_affiliation_string":"Faculty of Sciences, University Mohammed V-Agdal, Rabat, Morocco","institution_ids":["https://openalex.org/I126477371"]},{"raw_affiliation_string":"Lab. of Math., Comput. Sci. & Applic., Univ. Mohammed V-Agdal, Rabat, Morocco","institution_ids":["https://openalex.org/I126477371"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5016337099","display_name":"Souad Elbernoussi","orcid":"https://orcid.org/0000-0001-7120-907X"},"institutions":[{"id":"https://openalex.org/I126477371","display_name":"Mohammed V University","ror":"https://ror.org/00r8w8f84","country_code":"MA","type":"education","lineage":["https://openalex.org/I126477371"]}],"countries":["MA"],"is_corresponding":false,"raw_author_name":"Souad El Bernoussi","raw_affiliation_strings":["Faculty of Sciences, University Mohammed V-Agdal, Rabat, Morocco","Lab. of Math., Comput. Sci. & Applic., Univ. Mohammed V-Agdal, Rabat, Morocco"],"affiliations":[{"raw_affiliation_string":"Faculty of Sciences, University Mohammed V-Agdal, Rabat, Morocco","institution_ids":["https://openalex.org/I126477371"]},{"raw_affiliation_string":"Lab. of Math., Comput. Sci. & Applic., Univ. Mohammed V-Agdal, Rabat, Morocco","institution_ids":["https://openalex.org/I126477371"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5064707193","display_name":"Abdelhak Zoglat","orcid":"https://orcid.org/0000-0002-5736-6949"},"institutions":[{"id":"https://openalex.org/I126477371","display_name":"Mohammed V University","ror":"https://ror.org/00r8w8f84","country_code":"MA","type":"education","lineage":["https://openalex.org/I126477371"]}],"countries":["MA"],"is_corresponding":false,"raw_author_name":"Abdelhak Zoglat","raw_affiliation_strings":["Faculty of Sciences, University Mohammed V-Agdal, Rabat, Morocco","Lab. of Appl. Math., Univ. Mohammed V-Agdal, Rabat, Morocco"],"affiliations":[{"raw_affiliation_string":"Faculty of Sciences, University Mohammed V-Agdal, Rabat, Morocco","institution_ids":["https://openalex.org/I126477371"]},{"raw_affiliation_string":"Lab. of Appl. Math., Univ. Mohammed V-Agdal, Rabat, Morocco","institution_ids":["https://openalex.org/I126477371"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5043083848"],"corresponding_institution_ids":["https://openalex.org/I126477371"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":2,"citation_normalized_percentile":{"value":0.22726305,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":94,"max":96},"biblio":{"volume":"15","issue":null,"first_page":"1","last_page":"5"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9997000098228455,"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":0.9997000098228455,"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":0.989799976348877,"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/T11063","display_name":"Rough Sets and Fuzzy Logic","score":0.9381999969482422,"subfield":{"id":"https://openalex.org/subfields/1703","display_name":"Computational Theory and Mathematics"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6907080411911011},{"id":"https://openalex.org/keywords/domain","display_name":"Domain (mathematical analysis)","score":0.5008862018585205},{"id":"https://openalex.org/keywords/set","display_name":"Set (abstract data type)","score":0.4848242998123169},{"id":"https://openalex.org/keywords/credit-score","display_name":"Credit score","score":0.4473530054092407},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.42289817333221436},{"id":"https://openalex.org/keywords/value","display_name":"Value (mathematics)","score":0.41726452112197876},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.41457709670066833},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.3896647095680237},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.22276091575622559},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.15060082077980042}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6907080411911011},{"id":"https://openalex.org/C36503486","wikidata":"https://www.wikidata.org/wiki/Q11235244","display_name":"Domain (mathematical analysis)","level":2,"score":0.5008862018585205},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.4848242998123169},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.4473530054092407},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.42289817333221436},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.41726452112197876},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.41457709670066833},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.3896647095680237},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.22276091575622559},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.15060082077980042},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.0},{"id":"https://openalex.org/C134306372","wikidata":"https://www.wikidata.org/wiki/Q7754","display_name":"Mathematical analysis","level":1,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/aiccsa.2013.6616489","is_oa":false,"landing_page_url":"https://doi.org/10.1109/aiccsa.2013.6616489","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2013 ACS International Conference on Computer Systems and Applications (AICCSA)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W1488001421","https://openalex.org/W1973948212","https://openalex.org/W1997864634","https://openalex.org/W2005510983","https://openalex.org/W2029520384","https://openalex.org/W2040104239","https://openalex.org/W2082102453","https://openalex.org/W2088305531","https://openalex.org/W2093829413","https://openalex.org/W2125838338","https://openalex.org/W2127189681","https://openalex.org/W2158068969","https://openalex.org/W2167297612","https://openalex.org/W2168123127","https://openalex.org/W2795464209","https://openalex.org/W4239832355","https://openalex.org/W4239899209","https://openalex.org/W4251812815","https://openalex.org/W4298222310"],"related_works":["https://openalex.org/W2961085424","https://openalex.org/W4224009465","https://openalex.org/W4306674287","https://openalex.org/W4286629047","https://openalex.org/W2912910472","https://openalex.org/W4205958290","https://openalex.org/W4384212932","https://openalex.org/W2049150502","https://openalex.org/W4390590544","https://openalex.org/W2096195258"],"abstract_inverted_index":{"Nowadays,":[0],"credit":[1,25,31,49,67,96],"scoring":[2,32,50],"has":[3],"studied":[4],"both":[5],"in":[6,22,75],"academic":[7],"world":[8],"and":[9,52,69,90],"the":[10,70],"business":[11],"community.":[12],"Many":[13],"modeling":[14],"techniques":[15],"have":[16],"been":[17],"developed":[18],"to":[19,47,53,64,86],"be":[20],"useful":[21],"domain":[23],"of":[24,81],"scoring.":[26,97],"This":[27],"paper":[28],"establishes":[29],"a":[30,43,55,65],"model":[33],"via":[34],"an":[35],"iterative":[36],"procedure":[37,72],"approach,":[38],"Baum-Welch":[39],"method.":[40],"It":[41],"is":[42,61,73,84],"novel":[44],"method":[45],"applied":[46,63],"solve":[48],"problems,":[51],"explore":[54],"good":[56],"accuracy":[57],"model.":[58],"The":[59,79],"algorithm":[60],"successfully":[62],"real":[66],"problem,":[68],"application":[71],"illustrated":[74],"German":[76],"data":[77],"set.":[78],"experiment":[80],"this":[82],"model,":[83],"proved":[85],"its":[87,92],"high":[88],"efficiency":[89],"evaluated":[91],"significant":[93],"value":[94],"on":[95]},"counts_by_year":[{"year":2020,"cited_by_count":2}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}
