{"id":"https://openalex.org/W4283032546","doi":"https://doi.org/10.3233/aise220039","title":"Enhancing Loan Default Prediction with Text Mining","display_name":"Enhancing Loan Default Prediction with Text Mining","publication_year":2022,"publication_date":"2022-06-14","ids":{"openalex":"https://openalex.org/W4283032546","doi":"https://doi.org/10.3233/aise220039"},"language":"en","primary_location":{"id":"doi:10.3233/aise220039","is_oa":true,"landing_page_url":"https://doi.org/10.3233/aise220039","pdf_url":"https://ebooks.iospress.nl/pdf/doi/10.3233/AISE220039","source":{"id":"https://openalex.org/S4210168452","display_name":"Ambient intelligence and smart environments","issn_l":"1875-4163","issn":["1875-4163","1875-4171"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"book series"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Ambient Intelligence and Smart Environments","raw_type":"book-chapter"},"type":"book-chapter","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://ebooks.iospress.nl/pdf/doi/10.3233/AISE220039","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5090362944","display_name":"Barry Egan","orcid":null},"institutions":[{"id":"https://openalex.org/I4210144925","display_name":"Technological University Dublin","ror":"https://ror.org/04t0qbt32","country_code":"IE","type":"education","lineage":["https://openalex.org/I4210144925"]}],"countries":["IE"],"is_corresponding":false,"raw_author_name":"Barry Egan","raw_affiliation_strings":["Technological University of Dublin"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Technological University of Dublin","institution_ids":["https://openalex.org/I4210144925"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5056370767","display_name":"Kyle Goslin","orcid":null},"institutions":[{"id":"https://openalex.org/I4210144925","display_name":"Technological University Dublin","ror":"https://ror.org/04t0qbt32","country_code":"IE","type":"education","lineage":["https://openalex.org/I4210144925"]}],"countries":["IE"],"is_corresponding":false,"raw_author_name":"Kyle Goslin","raw_affiliation_strings":["Technological University of Dublin"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Technological University of Dublin","institution_ids":["https://openalex.org/I4210144925"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210144925"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.18548808,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.982699990272522,"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":0.982699990272522,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9815999865531921,"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/loan","display_name":"Loan","score":0.8002004623413086},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6323362588882446},{"id":"https://openalex.org/keywords/credit-score","display_name":"Credit score","score":0.5958614349365234},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.5157549381256104},{"id":"https://openalex.org/keywords/default","display_name":"Default","score":0.4993724822998047},{"id":"https://openalex.org/keywords/point","display_name":"Point (geometry)","score":0.48012256622314453},{"id":"https://openalex.org/keywords/value","display_name":"Value (mathematics)","score":0.4467231035232544},{"id":"https://openalex.org/keywords/probability-of-default","display_name":"Probability of default","score":0.43894630670547485},{"id":"https://openalex.org/keywords/predictive-modelling","display_name":"Predictive modelling","score":0.4261944890022278},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.4013628363609314},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.3854067325592041},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.3631511628627777},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.3586465120315552},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.24441373348236084},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.19429269433021545},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.14441293478012085}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.8002004623413086},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6323362588882446},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.5958614349365234},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5157549381256104},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.4993724822998047},{"id":"https://openalex.org/C28719098","wikidata":"https://www.wikidata.org/wiki/Q44946","display_name":"Point (geometry)","level":2,"score":0.48012256622314453},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.4467231035232544},{"id":"https://openalex.org/C2779806880","wikidata":"https://www.wikidata.org/wiki/Q778470","display_name":"Probability of default","level":3,"score":0.43894630670547485},{"id":"https://openalex.org/C45804977","wikidata":"https://www.wikidata.org/wiki/Q7239673","display_name":"Predictive modelling","level":2,"score":0.4261944890022278},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.4013628363609314},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.3854067325592041},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3631511628627777},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.3586465120315552},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.24441373348236084},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.19429269433021545},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.14441293478012085},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.3233/aise220039","is_oa":true,"landing_page_url":"https://doi.org/10.3233/aise220039","pdf_url":"https://ebooks.iospress.nl/pdf/doi/10.3233/AISE220039","source":{"id":"https://openalex.org/S4210168452","display_name":"Ambient intelligence and smart environments","issn_l":"1875-4163","issn":["1875-4163","1875-4171"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"book series"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Ambient Intelligence and Smart Environments","raw_type":"book-chapter"}],"best_oa_location":{"id":"doi:10.3233/aise220039","is_oa":true,"landing_page_url":"https://doi.org/10.3233/aise220039","pdf_url":"https://ebooks.iospress.nl/pdf/doi/10.3233/AISE220039","source":{"id":"https://openalex.org/S4210168452","display_name":"Ambient intelligence and smart environments","issn_l":"1875-4163","issn":["1875-4163","1875-4171"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"book series"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Ambient Intelligence and Smart Environments","raw_type":"book-chapter"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4283032546.pdf","grobid_xml":"https://content.openalex.org/works/W4283032546.grobid-xml"},"referenced_works_count":15,"referenced_works":["https://openalex.org/W1995767741","https://openalex.org/W2037877289","https://openalex.org/W2288335891","https://openalex.org/W2320703957","https://openalex.org/W2550320499","https://openalex.org/W2557163999","https://openalex.org/W2786742411","https://openalex.org/W2884712860","https://openalex.org/W2995722805","https://openalex.org/W3015337523","https://openalex.org/W3091927025","https://openalex.org/W3135212441","https://openalex.org/W6696758112","https://openalex.org/W6700238490","https://openalex.org/W6730912798"],"related_works":["https://openalex.org/W2071232204","https://openalex.org/W2943641908","https://openalex.org/W3130035989","https://openalex.org/W2378300547","https://openalex.org/W2291834012","https://openalex.org/W3144956032","https://openalex.org/W2126562696","https://openalex.org/W2725772539","https://openalex.org/W2185712725","https://openalex.org/W4283032546"],"abstract_inverted_index":{"Credit":[0],"scoring":[1],"is":[2,25,214],"a":[3,44,96,178],"popular":[4],"method":[5],"used":[6],"by":[7,172],"financial":[8],"institutions":[9],"to":[10,59,71,104,137,159,181],"evaluate":[11],"an":[12,21,27,215],"applicants\u2019":[13],"risk":[14,32],"of":[15,30,33,75,81,95,143,153,161,186,220],"default.":[16,222],"However,":[17],"in":[18,47,91,217],"certain":[19],"circumstances,":[20],"individual\u2019s":[22],"credit":[23,55,62,202],"score":[24],"not":[26],"accurate":[28],"indicator":[29],"their":[31],"default":[34,107],"as":[35],"it":[36],"may":[37,51],"be":[38,102,148],"based":[39],"on":[40],"outdated":[41],"information":[42],"from":[43,57],"single":[45],"point":[46],"time,":[48],"or":[49],"individuals":[50],"have":[52,66],"no":[53],"prior":[54],"history":[56],"which":[58],"build":[60],"the":[61,73,87,92,124,140,144,154,162,174,182,218],"score.":[63],"Several":[64],"studies":[65],"investigated":[67],"using":[68,119,126],"text":[69,88,121,130,155,195,206],"data":[70,89,122,196,207,210],"enhance":[72,105],"classification":[74,141,151,184],"loan":[76,93,106,221],"default,":[77],"with":[78],"varying":[79],"degrees":[80],"success.":[82],"This":[83],"research":[84],"examines":[85],"if":[86],"contained":[90],"applications":[94],"peer-to-peer":[97],"(P2P)":[98],"lending":[99],"platform":[100],"can":[101,147],"utilized":[103],"prediction.":[108],"In":[109],"this":[110],"research,":[111],"two":[112],"models":[113,133,146],"were":[114,134],"created":[115],"and":[116,123,131,168,189,204,208],"optimized:":[117],"one":[118],"only":[120],"other":[125],"numeric":[127,132,163,209],"data.":[128],"The":[129,150],"then":[135],"combined":[136,212],"see":[138],"whether":[139],"performance":[142,152,185],"individual":[145],"enhanced.":[149],"model":[156],"was":[157,177],"superior":[158],"that":[160,194],"model,":[164],"achieving":[165],"accuracies":[166],"15.73%":[167],"33.82%":[169],"higher;":[170],"however,":[171],"combining":[173],"models,":[175],"there":[176,213],"considerable":[179],"improvement":[180],"model\u2019s":[183],"between":[187],"2.8%":[188],"19.87%":[190],"respectively.":[191],"Results":[192],"showed":[193],"holds":[197],"significant":[198],"value":[199],"for":[200],"assessing":[201],"risk,":[203],"when":[205],"are":[211],"enhancement":[216],"prediction":[219]},"counts_by_year":[],"updated_date":"2026-05-21T06:26:12.895304","created_date":"2025-10-10T00:00:00"}