{"id":"https://openalex.org/W2943529781","doi":"https://doi.org/10.23919/icact.2019.8701943","title":"Improving Credit Risk Prediction in Online Peer-to-Peer (P2P) Lending Using Feature selection with Deep learning","display_name":"Improving Credit Risk Prediction in Online Peer-to-Peer (P2P) Lending Using Feature selection with Deep learning","publication_year":2019,"publication_date":"2019-02-01","ids":{"openalex":"https://openalex.org/W2943529781","doi":"https://doi.org/10.23919/icact.2019.8701943","mag":"2943529781"},"language":"en","primary_location":{"id":"doi:10.23919/icact.2019.8701943","is_oa":false,"landing_page_url":"https://doi.org/10.23919/icact.2019.8701943","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2019 21st International Conference on Advanced Communication Technology (ICACT)","raw_type":"proceedings-article"},"type":"conference-paper","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/A5079749753","display_name":"Van-Sang Ha","orcid":"https://orcid.org/0000-0002-9703-5183"},"institutions":[{"id":"https://openalex.org/I4210134588","display_name":"Academy Of Finance","ror":"https://ror.org/03qd55m24","country_code":"VN","type":"education","lineage":["https://openalex.org/I4210134588"]}],"countries":["VN"],"is_corresponding":false,"raw_author_name":"Van-Sang Ha","raw_affiliation_strings":["Department of Economic Information System, Academy of Finance, Hanoi, Vietnam"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economic Information System, Academy of Finance, Hanoi, Vietnam","institution_ids":["https://openalex.org/I4210134588"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5033804526","display_name":"Dang-Nhac Lu","orcid":"https://orcid.org/0000-0001-6080-4527"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Dang-Nhac Lu","raw_affiliation_strings":["Academy of Journalism and Communication, Vietnam"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Academy of Journalism and Communication, Vietnam","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5075193811","display_name":"Gyoo Seok Choi","orcid":null},"institutions":[{"id":"https://openalex.org/I23077957","display_name":"Chungwoon University","ror":"https://ror.org/03016c374","country_code":"KR","type":"education","lineage":["https://openalex.org/I23077957"]}],"countries":["KR"],"is_corresponding":false,"raw_author_name":"Gyoo Seok Choi","raw_affiliation_strings":["Department of Computer Science, Chungwoon University, Incheon, South Korea"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Computer Science, Chungwoon University, Incheon, South Korea","institution_ids":["https://openalex.org/I23077957"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5015273816","display_name":"Ha-Nam Nguyen","orcid":"https://orcid.org/0000-0001-8714-7483"},"institutions":[{"id":"https://openalex.org/I177233841","display_name":"Vietnam National University, Hanoi","ror":"https://ror.org/02jmfj006","country_code":"VN","type":"education","lineage":["https://openalex.org/I177233841"]}],"countries":["VN"],"is_corresponding":false,"raw_author_name":"Ha-Nam Nguyen","raw_affiliation_strings":["Information Technology Institute, Vietnam National University, Hanoi, Vietnam"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology Institute, Vietnam National University, Hanoi, Vietnam","institution_ids":["https://openalex.org/I177233841"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5109571508","display_name":"Byeong-Nam Yoon","orcid":null},"institutions":[{"id":"https://openalex.org/I177233841","display_name":"Vietnam National University, Hanoi","ror":"https://ror.org/02jmfj006","country_code":"VN","type":"education","lineage":["https://openalex.org/I177233841"]}],"countries":["VN"],"is_corresponding":false,"raw_author_name":"Byeongnam Yoon","raw_affiliation_strings":["Information Technology Institute, Vietnam National University, Hanoi, Vietnam"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology Institute, Vietnam National University, Hanoi, Vietnam","institution_ids":["https://openalex.org/I177233841"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":9.3444,"has_fulltext":false,"cited_by_count":44,"citation_normalized_percentile":{"value":0.98719512,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":94,"max":99},"biblio":{"volume":null,"issue":null,"first_page":"511","last_page":"515"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9994999766349792,"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":0.9994999766349792,"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9943000078201294,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9904999732971191,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.7084218263626099},{"id":"https://openalex.org/keywords/feature-selection","display_name":"Feature selection","score":0.6828862428665161},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6068450212478638},{"id":"https://openalex.org/keywords/ranking","display_name":"Ranking (information retrieval)","score":0.5636087656021118},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.5634089112281799},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.5627954006195068},{"id":"https://openalex.org/keywords/fintech","display_name":"FinTech","score":0.5475900173187256},{"id":"https://openalex.org/keywords/investment","display_name":"Investment (military)","score":0.519143283367157},{"id":"https://openalex.org/keywords/selection","display_name":"Selection (genetic algorithm)","score":0.498046875},{"id":"https://openalex.org/keywords/asset","display_name":"Asset (computer security)","score":0.4951571524143219},{"id":"https://openalex.org/keywords/financial-market","display_name":"Financial market","score":0.45139405131340027},{"id":"https://openalex.org/keywords/feature","display_name":"Feature (linguistics)","score":0.44720402359962463},{"id":"https://openalex.org/keywords/asset-allocation","display_name":"Asset allocation","score":0.41971972584724426},{"id":"https://openalex.org/keywords/peer-to-peer","display_name":"Peer-to-peer","score":0.4137556552886963},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.346002459526062},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.33744698762893677},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.3081408441066742},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.2257949709892273},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.115459144115448}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7084218263626099},{"id":"https://openalex.org/C148483581","wikidata":"https://www.wikidata.org/wiki/Q446488","display_name":"Feature selection","level":2,"score":0.6828862428665161},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6068450212478638},{"id":"https://openalex.org/C189430467","wikidata":"https://www.wikidata.org/wiki/Q7293293","display_name":"Ranking (information retrieval)","level":2,"score":0.5636087656021118},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5634089112281799},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.5627954006195068},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.5475900173187256},{"id":"https://openalex.org/C27548731","wikidata":"https://www.wikidata.org/wiki/Q88272","display_name":"Investment (military)","level":3,"score":0.519143283367157},{"id":"https://openalex.org/C81917197","wikidata":"https://www.wikidata.org/wiki/Q628760","display_name":"Selection (genetic algorithm)","level":2,"score":0.498046875},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.4951571524143219},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.45139405131340027},{"id":"https://openalex.org/C2776401178","wikidata":"https://www.wikidata.org/wiki/Q12050496","display_name":"Feature (linguistics)","level":2,"score":0.44720402359962463},{"id":"https://openalex.org/C139819358","wikidata":"https://www.wikidata.org/wiki/Q462748","display_name":"Asset allocation","level":3,"score":0.41971972584724426},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.4137556552886963},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.346002459526062},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.33744698762893677},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3081408441066742},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.2257949709892273},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.115459144115448},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C2780821815","wikidata":"https://www.wikidata.org/wiki/Q5340806","display_name":"Portfolio","level":2,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.23919/icact.2019.8701943","is_oa":false,"landing_page_url":"https://doi.org/10.23919/icact.2019.8701943","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2019 21st International Conference on Advanced Communication Technology (ICACT)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[{"id":"https://openalex.org/F4320321314","display_name":"Yonsei University","ror":"https://ror.org/01wjejq96"},{"id":"https://openalex.org/F4320333835","display_name":"\u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i","ror":"https://ror.org/02jmfj006"}],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":9,"referenced_works":["https://openalex.org/W1663837557","https://openalex.org/W1977009091","https://openalex.org/W2018188846","https://openalex.org/W2245202563","https://openalex.org/W2473172823","https://openalex.org/W2477735758","https://openalex.org/W2767268216","https://openalex.org/W2803273200","https://openalex.org/W6745603992"],"related_works":["https://openalex.org/W4387663353","https://openalex.org/W4226191774","https://openalex.org/W4377289271","https://openalex.org/W3095064424","https://openalex.org/W4388950908","https://openalex.org/W4236175232","https://openalex.org/W4390448871","https://openalex.org/W4386916431","https://openalex.org/W2910734137","https://openalex.org/W2966836379"],"abstract_inverted_index":{"At":[0],"the":[1,6,15,40,56,68,91,128,144,149,171,176,182],"early":[2],"of":[3,17,58,70,93,126,132,151,178,185],"21stcentury,":[4],"In":[5,97],"UK":[7],"Peer2Peer":[8],"(P2P)":[9],"lending":[10,42,75,164],"began":[11],"with":[12],"Zopa":[13],"at":[14],"start":[16],"2005.":[18],"After":[19],"that,":[20],"it":[21],"has":[22],"grown":[23],"rapidly":[24],"in":[25,39,73],"United":[26],"States,":[27],"China":[28],"and":[29,130],"some":[30],"other":[31],"countries.":[32],"The":[33,61,166],"main":[34],"challenge":[35],"for":[36,83,105,108,147],"individual":[37,71,133],"investors":[38,72],"P2P":[41,74,86,163,186],"market":[43],"is":[44],"to":[45,67,142,181],"allocate":[46],"their":[47],"money":[48],"efficiently":[49],"through":[50],"different":[51],"loans":[52,87],"by":[53],"accurately":[54],"evaluating":[55],"credit":[57,116],"each":[59],"loan.":[60],"traditional":[62,94],"ranking":[63],"models":[64],"cannot":[65],"conform":[66],"needs":[69],"because":[76],"they":[77],"do":[78,88],"not":[79,89],"provide":[80],"natural":[81],"mechanisms":[82],"asset":[84],"allocation.":[85],"have":[90,113],"presence":[92],"financial":[95],"institutions.":[96],"this":[98,109],"study,":[99],"we":[100],"propose":[101],"a":[102,115,138],"novel":[103],"method":[104,141],"analyzing":[106],"data":[107,160],"emerging":[110],"market.":[111],"We":[112,135,155],"designed":[114],"risk":[117],"model":[118,173],"based":[119],"on":[120,158],"advanced":[121],"machine":[122,152],"learning":[123,153],"methods,":[124],"capable":[125],"assessing":[127],"returns":[129],"risks":[131],"loans.":[134],"also":[136],"applied":[137],"selection":[139],"feature":[140],"eliminate":[143],"irrelevant":[145],"features":[146],"improving":[148],"efficient":[150],"models.":[154],"conducted":[156],"experiments":[157],"real-world":[159],"sets":[161],"from":[162],"markets.":[165],"experimental":[167],"results":[168],"show":[169],"that":[170],"proposed":[172],"can":[174],"improve":[175],"efficiency":[177],"investment":[179],"compared":[180],"existing":[183],"methods":[184],"lending.":[187]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":10},{"year":2022,"cited_by_count":9},{"year":2021,"cited_by_count":8},{"year":2020,"cited_by_count":7}],"updated_date":"2026-08-08T01:25:22.217667","created_date":"2025-10-10T00:00:00"}
