{"id":"https://openalex.org/W2784786692","doi":"https://doi.org/10.1145/3145511.3145515","title":"Micro-lending Default Awareness Using Artificial Neural Network","display_name":"Micro-lending Default Awareness Using Artificial Neural Network","publication_year":2017,"publication_date":"2017-08-13","ids":{"openalex":"https://openalex.org/W2784786692","doi":"https://doi.org/10.1145/3145511.3145515","mag":"2784786692"},"language":"en","primary_location":{"id":"doi:10.1145/3145511.3145515","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3145511.3145515","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2017 2nd International Conference on Multimedia Systems and Signal Processing","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/A5100440642","display_name":"Li-Hua Li","orcid":"https://orcid.org/0000-0001-6327-885X"},"institutions":[{"id":"https://openalex.org/I126145234","display_name":"Chaoyang University of Technology","ror":"https://ror.org/04xwksx09","country_code":"TW","type":"education","lineage":["https://openalex.org/I126145234"]}],"countries":["TW"],"is_corresponding":false,"raw_author_name":"Li-Hua Li","raw_affiliation_strings":["Chaoyang University of Technology, Dept. of Information Management, Taichung City, Taiwan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Chaoyang University of Technology, Dept. of Information Management, Taichung City, Taiwan","institution_ids":["https://openalex.org/I126145234"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102161143","display_name":"Chi-Tien Lin","orcid":null},"institutions":[{"id":"https://openalex.org/I177918364","display_name":"Providence University","ror":"https://ror.org/03fcpsq87","country_code":"TW","type":"education","lineage":["https://openalex.org/I177918364"]}],"countries":["TW"],"is_corresponding":false,"raw_author_name":"Chi-Tien Lin","raw_affiliation_strings":["Providence University, Dept. of Financial and computational Mathematics, Taichung City, Taiwan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Providence University, Dept. of Financial and computational Mathematics, Taichung City, Taiwan","institution_ids":["https://openalex.org/I177918364"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5109214583","display_name":"Shin-Fu Chen","orcid":null},"institutions":[{"id":"https://openalex.org/I126145234","display_name":"Chaoyang University of Technology","ror":"https://ror.org/04xwksx09","country_code":"TW","type":"education","lineage":["https://openalex.org/I126145234"]}],"countries":["TW"],"is_corresponding":false,"raw_author_name":"Shin-Fu Chen","raw_affiliation_strings":["Chaoyang University of Technology, Dept. of Information Management, Taichung City, Taiwan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Chaoyang University of Technology, Dept. of Information Management, Taichung City, Taiwan","institution_ids":["https://openalex.org/I126145234"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":1.2566,"has_fulltext":false,"cited_by_count":4,"citation_normalized_percentile":{"value":0.85705089,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":95},"biblio":{"volume":"04","issue":null,"first_page":"56","last_page":"60"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9998000264167786,"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":0.9998000264167786,"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":0.9976000189781189,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.963699996471405,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.717091977596283},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.6726301908493042},{"id":"https://openalex.org/keywords/credit-card","display_name":"Credit card","score":0.6424826383590698},{"id":"https://openalex.org/keywords/credit-history","display_name":"Credit history","score":0.579127311706543},{"id":"https://openalex.org/keywords/credit-reference","display_name":"Credit reference","score":0.5418331027030945},{"id":"https://openalex.org/keywords/artificial-neural-network","display_name":"Artificial neural network","score":0.5119444131851196},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4840373396873474},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.4648614823818207},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.4435041546821594},{"id":"https://openalex.org/keywords/credit-rating","display_name":"Credit rating","score":0.440717488527298},{"id":"https://openalex.org/keywords/credit-score","display_name":"Credit score","score":0.4287726581096649},{"id":"https://openalex.org/keywords/credit-default-swap-index","display_name":"Credit default swap index","score":0.4257143437862396},{"id":"https://openalex.org/keywords/credit-valuation-adjustment","display_name":"Credit valuation adjustment","score":0.3914995491504669},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.33228716254234314},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.31434690952301025},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.22734704613685608}],"concepts":[{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.717091977596283},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6726301908493042},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.6424826383590698},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.579127311706543},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.5418331027030945},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.5119444131851196},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4840373396873474},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4648614823818207},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4435041546821594},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.440717488527298},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.4287726581096649},{"id":"https://openalex.org/C90992651","wikidata":"https://www.wikidata.org/wiki/Q933132","display_name":"Credit default swap index","level":5,"score":0.4257143437862396},{"id":"https://openalex.org/C89997419","wikidata":"https://www.wikidata.org/wiki/Q2828882","display_name":"Credit valuation adjustment","level":4,"score":0.3914995491504669},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.33228716254234314},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.31434690952301025},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.22734704613685608}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3145511.3145515","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3145511.3145515","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2017 2nd International Conference on Multimedia Systems and Signal Processing","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[{"id":"https://openalex.org/F4320316859","display_name":"Chaoyang University of Technology","ror":"https://ror.org/04xwksx09"}],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W39040241","https://openalex.org/W1980770954","https://openalex.org/W1998452394","https://openalex.org/W2028543020","https://openalex.org/W2030284903","https://openalex.org/W2067758534","https://openalex.org/W2132083787","https://openalex.org/W2135116315","https://openalex.org/W2153380911","https://openalex.org/W2158068969","https://openalex.org/W2245202563","https://openalex.org/W2336551258","https://openalex.org/W2347027255","https://openalex.org/W2525596522","https://openalex.org/W2525985184","https://openalex.org/W2572752202","https://openalex.org/W2728359840","https://openalex.org/W3121364227","https://openalex.org/W3123272222"],"related_works":["https://openalex.org/W2581662974","https://openalex.org/W2494383981","https://openalex.org/W1591061769","https://openalex.org/W638799037","https://openalex.org/W562270862","https://openalex.org/W1592073151","https://openalex.org/W2612314612","https://openalex.org/W3023054262","https://openalex.org/W4285326281","https://openalex.org/W3123513369"],"abstract_inverted_index":{"Lending":[0],"ways":[1],"plays":[2],"as":[3,72,157],"a":[4,183,216],"key":[5],"sector":[6],"in":[7],"banking":[8],"business.":[9],"In":[10,178],"recent":[11],"years,":[12],"small":[13],"amount":[14],"lending,":[15],"so-called":[16,41],"micro-lending,":[17],"has":[18,35],"become":[19,176],"the":[20,25,40,45,51,54,62,73,80,109,118,133,140,148,152,161,170,193,198,224,232,238,245,248,252,257],"popular":[21],"trend":[22],"due":[23,159],"to":[24,38,60,107,128,130,160,222],"prosperous":[26],"development":[27],"of":[28,53,99,111,121,135,150,163,173,189,195,200,212,226,247,254,256],"internet":[29],"financial":[30],"service.":[31],"The":[32,210],"high":[33],"profit":[34],"driven":[36],"banks":[37],"bear":[39],"credit":[42,63,74,78,97,145,227],"risk":[43,98,146],"that":[44,237],"borrower":[46],"may":[47],"default":[48,153,228],"or":[49,59,88],"delay":[50],"repayment":[52,86],"loan.":[55],"To":[56,191],"prevent":[57],"from":[58,215],"predict":[61],"risk,":[64],"there":[65],"are":[66,208],"many":[67],"methodologies":[68],"widely":[69],"applied,":[70],"such":[71],"scoring":[75,90],"system":[76],"with":[77],"score-card,":[79],"Logistic":[81],"Regression":[82],"(LR)":[83],"for":[84,96,115,144,186],"assessing":[85],"ability":[87],"linear":[89],"function":[91],"like":[92],"Bayesian":[93],"Decision":[94],"Rules":[95],"lending.":[100,113,258],"These":[101],"traditional":[102,142],"methods":[103,143],"need":[104],"substantial":[105],"information":[106,120,134,214],"do":[108],"analysis":[110],"customer":[112],"However,":[114],"general":[116],"public,":[117],"applicant's":[119],"micro-lending":[122,174],"is":[123,155,220],"usually":[124,154],"less":[125],"complete,":[126],"not":[127,156],"mention":[129],"fill":[131],"out":[132],"score-card.":[136],"If":[137],"we":[138,181,235],"applied":[139],"above":[141],"measurement,":[147],"accuracy":[149,246],"predicting":[151],"expected":[158],"incompleteness":[162],"information.":[164],"It":[165],"is,":[166],"therefore,":[167],"studies":[168],"on":[169,231],"credit-risk":[171,187],"measurement":[172,188],"have":[175],"crucial.":[177],"this":[179],"paper,":[180],"proposed":[182],"new":[184],"approach":[185],"micro-lending.":[190],"learn":[192],"pattern":[194],"bad":[196],"credit,":[197],"methodology":[199],"data":[201],"cleaning":[202],"and":[203],"Back-Propagation":[204],"Neural":[205,240],"Network":[206,241],"(BPN)":[207],"adopted.":[209],"dataset":[211],"loan":[213],"Brazilian":[217],"commercial":[218],"bank":[219],"used":[221],"run":[223],"process":[225],"awareness.":[229],"Based":[230],"experiment":[233],"outcomes,":[234],"proved":[236],"Artificial":[239],"can":[242],"significantly":[243],"improve":[244],"perception":[249],"while":[250],"reducing":[251],"chance":[253],"misjudgment":[255]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":1}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}
