{"id":"https://openalex.org/W4410794757","doi":"https://doi.org/10.1145/3727353.3727422","title":"Credit Behavior Scorecards Based on TabTransformer and Model Interpretability Exploring","display_name":"Credit Behavior Scorecards Based on TabTransformer and Model Interpretability Exploring","publication_year":2025,"publication_date":"2025-01-10","ids":{"openalex":"https://openalex.org/W4410794757","doi":"https://doi.org/10.1145/3727353.3727422"},"language":"en","primary_location":{"id":"doi:10.1145/3727353.3727422","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3727353.3727422","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3727353.3727422","source":null,"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2025 4th International Conference on Big Data, Information and Computer Network","raw_type":"proceedings-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://dl.acm.org/doi/pdf/10.1145/3727353.3727422","any_repository_has_fulltext":null},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5039155633","display_name":"Songyun Ye","orcid":null},"institutions":[{"id":"https://openalex.org/I32820368","display_name":"Guangdong Polytechnic of Science and Technology","ror":"https://ror.org/01wq2p249","country_code":"CN","type":"education","lineage":["https://openalex.org/I32820368"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Songyun Ye","raw_affiliation_strings":["School of Artificial Intelligence, Guangzhou Institute of Science and Technology, Guangzhou, Guangdong, China"],"raw_orcid":"https://orcid.org/0009-0009-5048-3147","affiliations":[{"raw_affiliation_string":"School of Artificial Intelligence, Guangzhou Institute of Science and Technology, Guangzhou, Guangdong, China","institution_ids":["https://openalex.org/I32820368"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5108649722","display_name":"Yuwen Jiang","orcid":null},"institutions":[{"id":"https://openalex.org/I32820368","display_name":"Guangdong Polytechnic of Science and Technology","ror":"https://ror.org/01wq2p249","country_code":"CN","type":"education","lineage":["https://openalex.org/I32820368"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yuwen Jiang","raw_affiliation_strings":["School of Artificial Intelligence, Guangzhou Institute of Science and Technology, Guangzhou, Guangdong, China"],"raw_orcid":"https://orcid.org/0009-0001-4022-1436","affiliations":[{"raw_affiliation_string":"School of Artificial Intelligence, Guangzhou Institute of Science and Technology, Guangzhou, Guangdong, China","institution_ids":["https://openalex.org/I32820368"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100427422","display_name":"Bo Chen","orcid":"https://orcid.org/0000-0003-2970-4813"},"institutions":[{"id":"https://openalex.org/I180726961","display_name":"Shenzhen University","ror":"https://ror.org/01vy4gh70","country_code":"CN","type":"education","lineage":["https://openalex.org/I180726961"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Bo Chen","raw_affiliation_strings":["School of Mathematical Sciences, Shenzhen University, Shenzhen, Guangdong, China"],"raw_orcid":"https://orcid.org/0000-0003-2970-4813","affiliations":[{"raw_affiliation_string":"School of Mathematical Sciences, Shenzhen University, Shenzhen, Guangdong, China","institution_ids":["https://openalex.org/I180726961"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5112391173","display_name":"C Q Jiang","orcid":"https://orcid.org/0009-0003-4842-5091"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Chengxuan Jiang","raw_affiliation_strings":["International Course Center of GuangZhou No.6 Middle School, Guangzhou, Guangdong, China"],"raw_orcid":"https://orcid.org/0009-0003-4842-5091","affiliations":[{"raw_affiliation_string":"International Course Center of GuangZhou No.6 Middle School, Guangzhou, Guangdong, China","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":4,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.1530091,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"420","last_page":"428"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9825000166893005,"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":0.9825000166893005,"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":0.9556999802589417,"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/T12761","display_name":"Data Stream Mining Techniques","score":0.9222000241279602,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/interpretability","display_name":"Interpretability","score":0.9110726714134216},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6554460525512695},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.4638832211494446},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.35298094153404236}],"concepts":[{"id":"https://openalex.org/C2781067378","wikidata":"https://www.wikidata.org/wiki/Q17027399","display_name":"Interpretability","level":2,"score":0.9110726714134216},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6554460525512695},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.4638832211494446},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.35298094153404236}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3727353.3727422","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3727353.3727422","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3727353.3727422","source":null,"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2025 4th International Conference on Big Data, Information and Computer Network","raw_type":"proceedings-article"}],"best_oa_location":{"id":"doi:10.1145/3727353.3727422","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3727353.3727422","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3727353.3727422","source":null,"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2025 4th International Conference on Big Data, Information and Computer Network","raw_type":"proceedings-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4410794757.pdf","grobid_xml":"https://content.openalex.org/works/W4410794757.grobid-xml"},"referenced_works_count":20,"referenced_works":["https://openalex.org/W1994085451","https://openalex.org/W2502663986","https://openalex.org/W2786068849","https://openalex.org/W2788025656","https://openalex.org/W3036453007","https://openalex.org/W3095606640","https://openalex.org/W3111356309","https://openalex.org/W3162562977","https://openalex.org/W3174928387","https://openalex.org/W3183791363","https://openalex.org/W4205137933","https://openalex.org/W4226108798","https://openalex.org/W4296688643","https://openalex.org/W4317402003","https://openalex.org/W4362464990","https://openalex.org/W4376548770","https://openalex.org/W4377041984","https://openalex.org/W4393420577","https://openalex.org/W6695661434","https://openalex.org/W6788563280"],"related_works":["https://openalex.org/W2961085424","https://openalex.org/W4306674287","https://openalex.org/W4387369504","https://openalex.org/W4394896187","https://openalex.org/W3170094116","https://openalex.org/W4386462264","https://openalex.org/W3107602296","https://openalex.org/W4364306694","https://openalex.org/W4312192474","https://openalex.org/W4283697347"],"abstract_inverted_index":{"Credit":[0],"behavior":[1,66],"scorecards":[2],"are":[3],"of":[4,10,32,119],"critical":[5],"importance":[6],"for":[7,78,134],"the":[8,30,95,102,111,120],"assessment":[9,132],"customer":[11],"credit":[12,33,65,86,130],"risk":[13,34,87,131,142],"within":[14],"financial":[15,135],"institutions.":[16],"Conventionally,":[17],"statistical":[18],"learning":[19],"algorithms":[20],"such":[21],"as":[22],"logistic":[23],"regression":[24],"have":[25],"been":[26],"extensively":[27],"utilized":[28],"in":[29],"development":[31],"models,":[35],"with":[36,105],"particular":[37],"emphasis":[38],"on":[39,83],"model":[40,79],"stability":[41],"and":[42,73,128],"interpretability.":[43],"However,":[44],"attaining":[45],"satisfactory":[46],"accuracy":[47],"invariably":[48],"necessitates":[49],"comprehensive":[50],"feature":[51],"engineering":[52],"to":[53,107],"capture":[54],"intricate":[55],"nonlinear":[56],"patterns.":[57],"In":[58],"this":[59],"paper,":[60],"we":[61],"propose":[62],"a":[63,90,125],"novel":[64],"scorecard":[67,97],"modelling":[68],"architecture,":[69],"underpinned":[70],"by":[71],"TabTransformer":[72,96,121],"an":[74,84],"enhanced":[75,112],"LIME":[76,113],"algorithm":[77,98,104],"interpretation.":[80],"Experimental":[81],"findings":[82],"authentic":[85],"dataset":[88],"from":[89],"banking":[91],"institution":[92],"demonstrate":[93],"that":[94],"exhibits":[99],"superiority":[100],"over":[101],"conventional":[103],"respect":[106],"prediction":[108],"accuracy.":[109],"Moreover,":[110],"approach":[114],"furnishes":[115],"exhaustive":[116],"local":[117],"interpretation":[118],"model,":[122],"thereby":[123],"providing":[124],"more":[126],"intelligent":[127],"efficient":[129],"solution":[133],"institutions,":[136],"which":[137],"can":[138],"consequently":[139],"enhance":[140],"loan":[141],"management.":[143]},"counts_by_year":[],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}