{"id":"https://openalex.org/W4404032285","doi":"https://doi.org/10.1109/icccnt61001.2024.10723944","title":"Retracted: Evaluating Credit Risk in Banking using AI-based Algorithm Optimization","display_name":"Retracted: Evaluating Credit Risk in Banking using AI-based Algorithm Optimization","publication_year":2024,"publication_date":"2024-06-24","ids":{"openalex":"https://openalex.org/W4404032285","doi":"https://doi.org/10.1109/icccnt61001.2024.10723944"},"language":"en","primary_location":{"id":"doi:10.1109/icccnt61001.2024.10723944","is_oa":false,"landing_page_url":"http://dx.doi.org/10.1109/icccnt61001.2024.10723944","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2024 15th International Conference on Computing Communication and Networking Technologies (ICCCNT)","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/A5114511979","display_name":"Divya Beeram","orcid":null},"institutions":[{"id":"https://openalex.org/I51504820","display_name":"San Jose State University","ror":"https://ror.org/04qyvz380","country_code":"US","type":"education","lineage":["https://openalex.org/I51504820"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Divya Beeram","raw_affiliation_strings":["San Jose State University,USA"],"affiliations":[{"raw_affiliation_string":"San Jose State University,USA","institution_ids":["https://openalex.org/I51504820"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5007608401","display_name":"K. Suganya Devi","orcid":null},"institutions":[{"id":"https://openalex.org/I4387155381","display_name":"Sri Eshwar College of Engineering","ror":"https://ror.org/02f1z8215","country_code":null,"type":"education","lineage":["https://openalex.org/I4387155381"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"K. Suganyadevi","raw_affiliation_strings":["Sri Eshwar college of engineering,Department of ECE,Coimbatore,Tamil Nadu,India"],"affiliations":[{"raw_affiliation_string":"Sri Eshwar college of engineering,Department of ECE,Coimbatore,Tamil Nadu,India","institution_ids":["https://openalex.org/I4387155381"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5114511979"],"corresponding_institution_ids":["https://openalex.org/I51504820"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.238613,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"6"},"is_retracted":true,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.8479999899864197,"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"}},"topics":[{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.8479999899864197,"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.7921000123023987,"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/T14260","display_name":"Impact of AI and Big Data on Business and Society","score":0.7293000221252441,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6493836641311646},{"id":"https://openalex.org/keywords/optimization-algorithm","display_name":"Optimization algorithm","score":0.5253600478172302},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.481510728597641},{"id":"https://openalex.org/keywords/algorithm","display_name":"Algorithm","score":0.3328912854194641},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.2471931278705597},{"id":"https://openalex.org/keywords/mathematical-optimization","display_name":"Mathematical optimization","score":0.18440678715705872},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.16266858577728271},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.11878648400306702}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6493836641311646},{"id":"https://openalex.org/C2987595161","wikidata":"https://www.wikidata.org/wiki/Q141495","display_name":"Optimization algorithm","level":2,"score":0.5253600478172302},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.481510728597641},{"id":"https://openalex.org/C11413529","wikidata":"https://www.wikidata.org/wiki/Q8366","display_name":"Algorithm","level":1,"score":0.3328912854194641},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2471931278705597},{"id":"https://openalex.org/C126255220","wikidata":"https://www.wikidata.org/wiki/Q141495","display_name":"Mathematical optimization","level":1,"score":0.18440678715705872},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.16266858577728271},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.11878648400306702}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/icccnt61001.2024.10723944","is_oa":false,"landing_page_url":"http://dx.doi.org/10.1109/icccnt61001.2024.10723944","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2024 15th International Conference on Computing Communication and Networking Technologies (ICCCNT)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.5699999928474426,"display_name":"Decent work and economic growth"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":18,"referenced_works":["https://openalex.org/W2465646441","https://openalex.org/W3125437631","https://openalex.org/W3151772276","https://openalex.org/W4206776955","https://openalex.org/W4224981375","https://openalex.org/W4285588387","https://openalex.org/W4300819205","https://openalex.org/W4308659786","https://openalex.org/W4310148203","https://openalex.org/W4319598623","https://openalex.org/W4380325063","https://openalex.org/W4386265883","https://openalex.org/W4386769109","https://openalex.org/W4388621260","https://openalex.org/W4391376162","https://openalex.org/W4393196882","https://openalex.org/W4394712519","https://openalex.org/W6861310141"],"related_works":["https://openalex.org/W2899084033","https://openalex.org/W4366549320","https://openalex.org/W4287863136","https://openalex.org/W3006015132","https://openalex.org/W2965078190","https://openalex.org/W2140656843","https://openalex.org/W3040644038","https://openalex.org/W4311207076","https://openalex.org/W3203633096","https://openalex.org/W2355226480"],"abstract_inverted_index":{"AI-based":[0,73],"totally":[1],"set":[2],"of":[3,37,72,88,178],"rules":[4],"optimization":[5,74,153],"can":[6,51,128,154],"revolutionize":[7],"the":[8,16,33,93,141,176],"manner":[9],"credit":[10,38,57,77,122,146],"score":[11,39,78,147],"danger":[12,68],"is":[13],"evaluated":[14],"within":[15],"banking":[17],"industry.":[18],"This":[19,108],"generation":[20],"utilizes":[21],"artificial":[22],"intelligence":[23],"techniques,":[24],"including":[25],"device":[26],"studying":[27],"and":[28,35,46,54,67,95,100,131,138,161,174],"statistics":[29],"analysis,":[30],"to":[31,60,84,98,144],"improve":[32],"accuracy":[34,139],"efficiency":[36],"risk":[40],"assessment.":[41,124],"By":[42],"combining":[43],"historical":[44],"information":[45],"actual-time":[47],"information,":[48,102],"those":[49],"algorithms":[50,75,127],"identify":[52],"styles":[53],"anomalies":[55],"in":[56,76,111,157],"statistics,":[58],"leading":[59],"more":[61],"informed":[62],"choices":[63],"on":[64],"mortgage":[65],"approvals":[66],"assessments.":[69],"The":[70],"utility":[71],"threat":[79],"assessment":[80],"gives":[81],"several":[82],"advantages":[83],"financial":[85],"institutions.":[86],"First":[87],"all,":[89],"it":[90],"could":[91],"lessen":[92],"effort":[94],"time":[96],"required":[97],"acquire":[99],"examine":[101],"taking":[103],"into":[104],"consideration":[105],"faster":[106],"decision-making.":[107],"also":[109,155],"outcomes":[110],"value":[112],"savings":[113],"for":[114,121],"banks,":[115],"as":[116],"fewer":[117],"resources":[118],"are":[119],"needed":[120],"chance":[123],"Furthermore,":[125],"these":[126],"be":[129],"examined":[130],"adapted,":[132],"continuously":[133],"improving":[134],"their":[135,179],"overall":[136],"performance":[137],"over":[140],"years.":[142],"Further":[143],"enhancing":[145],"hazard":[148],"assessment,":[149],"AI-primarily":[150],"based":[151],"algorithm":[152],"assist":[156],"identifying":[158],"capability":[159],"fraud":[160],"detecting":[162],"suspicious":[163],"activities":[164],"early":[165],"on.":[166],"It":[167],"will":[168],"help":[169],"banks":[170],"mitigate":[171],"potential":[172],"losses":[173],"maintain":[175],"integrity":[177],"lending":[180],"practices.":[181]},"counts_by_year":[],"updated_date":"2026-03-08T06:56:09.383167","created_date":"2025-10-10T00:00:00"}