{"id":"https://openalex.org/W1999003247","doi":"https://doi.org/10.5430/air.v2n4p49","title":"Default definition selection for credit scoring","display_name":"Default definition selection for credit scoring","publication_year":2013,"publication_date":"2013-09-16","ids":{"openalex":"https://openalex.org/W1999003247","doi":"https://doi.org/10.5430/air.v2n4p49","mag":"1999003247"},"language":"en","primary_location":{"id":"doi:10.5430/air.v2n4p49","is_oa":true,"landing_page_url":"https://doi.org/10.5430/air.v2n4p49","pdf_url":"http://www.sciedu.ca/journal/index.php/air/article/download/3090/1979","source":{"id":"https://openalex.org/S4210167461","display_name":"Artificial Intelligence Research","issn_l":"1927-6974","issn":["1927-6974","1927-6982"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320842","host_organization_name":"Sciedu Press","host_organization_lineage":["https://openalex.org/P4310320842"],"host_organization_lineage_names":["Sciedu Press"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Artificial Intelligence Research","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"http://www.sciedu.ca/journal/index.php/air/article/download/3090/1979","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5022597207","display_name":"Terry Harris","orcid":"https://orcid.org/0000-0001-6968-4162"},"institutions":[{"id":"https://openalex.org/I137799390","display_name":"University of the West Indies System","ror":"https://ror.org/01t20sn94","country_code":"JM","type":"education","lineage":["https://openalex.org/I137799390"]},{"id":"https://openalex.org/I4210158067","display_name":"University of the West Indies","ror":"https://ror.org/05p4f7w60","country_code":"BB","type":"education","lineage":["https://openalex.org/I137799390","https://openalex.org/I4210158067"]}],"countries":["BB","JM"],"is_corresponding":true,"raw_author_name":"Terry Harris","raw_affiliation_strings":["Credit Research Unit, Department of Management Studies, The University of the West Indies, Cave Hill Campus, W.I., Barbados","University of the west Indies"],"affiliations":[{"raw_affiliation_string":"Credit Research Unit, Department of Management Studies, The University of the West Indies, Cave Hill Campus, W.I., Barbados","institution_ids":["https://openalex.org/I4210158067"]},{"raw_affiliation_string":"University of the west Indies","institution_ids":["https://openalex.org/I137799390"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5022597207"],"corresponding_institution_ids":["https://openalex.org/I137799390","https://openalex.org/I4210158067"],"apc_list":null,"apc_paid":null,"fwci":2.4265,"has_fulltext":true,"cited_by_count":8,"citation_normalized_percentile":{"value":0.90696959,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":96},"biblio":{"volume":"2","issue":"4","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":0.9995999932289124,"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":0.9995999932289124,"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/T11496","display_name":"Credit Risk and Financial Regulations","score":0.9919000267982483,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"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/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.9789999723434448,"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/selection","display_name":"Selection (genetic algorithm)","score":0.6200488805770874},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.42207539081573486},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.418165922164917},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.26863837242126465}],"concepts":[{"id":"https://openalex.org/C81917197","wikidata":"https://www.wikidata.org/wiki/Q628760","display_name":"Selection (genetic algorithm)","level":2,"score":0.6200488805770874},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.42207539081573486},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.418165922164917},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.26863837242126465}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.5430/air.v2n4p49","is_oa":true,"landing_page_url":"https://doi.org/10.5430/air.v2n4p49","pdf_url":"http://www.sciedu.ca/journal/index.php/air/article/download/3090/1979","source":{"id":"https://openalex.org/S4210167461","display_name":"Artificial Intelligence Research","issn_l":"1927-6974","issn":["1927-6974","1927-6982"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320842","host_organization_name":"Sciedu Press","host_organization_lineage":["https://openalex.org/P4310320842"],"host_organization_lineage_names":["Sciedu Press"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Artificial Intelligence Research","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.5430/air.v2n4p49","is_oa":true,"landing_page_url":"https://doi.org/10.5430/air.v2n4p49","pdf_url":"http://www.sciedu.ca/journal/index.php/air/article/download/3090/1979","source":{"id":"https://openalex.org/S4210167461","display_name":"Artificial Intelligence Research","issn_l":"1927-6974","issn":["1927-6974","1927-6982"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320842","host_organization_name":"Sciedu Press","host_organization_lineage":["https://openalex.org/P4310320842"],"host_organization_lineage_names":["Sciedu Press"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Artificial Intelligence Research","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W1999003247.pdf","grobid_xml":"https://content.openalex.org/works/W1999003247.grobid-xml"},"referenced_works_count":29,"referenced_works":["https://openalex.org/W188819657","https://openalex.org/W1515397008","https://openalex.org/W1594031697","https://openalex.org/W1608477047","https://openalex.org/W1982120517","https://openalex.org/W1987054329","https://openalex.org/W2001619934","https://openalex.org/W2015406385","https://openalex.org/W2029864452","https://openalex.org/W2033218843","https://openalex.org/W2051311627","https://openalex.org/W2052902288","https://openalex.org/W2058988827","https://openalex.org/W2067608535","https://openalex.org/W2085831731","https://openalex.org/W2088048599","https://openalex.org/W2093829413","https://openalex.org/W2117352691","https://openalex.org/W2124532504","https://openalex.org/W2133772980","https://openalex.org/W2135411679","https://openalex.org/W2330820318","https://openalex.org/W2489523766","https://openalex.org/W2898827384","https://openalex.org/W2911964244","https://openalex.org/W3085162807","https://openalex.org/W3122869055","https://openalex.org/W3125731240","https://openalex.org/W3147379962"],"related_works":["https://openalex.org/W2899084033","https://openalex.org/W2748952813","https://openalex.org/W2390279801","https://openalex.org/W2606073172","https://openalex.org/W2125356288","https://openalex.org/W2970622411","https://openalex.org/W2085949256","https://openalex.org/W2751504412","https://openalex.org/W1990422213","https://openalex.org/W3044541677"],"abstract_inverted_index":{"In":[0],"this":[1],"paper":[2],"some":[3],"of":[4,8,23],"the":[5,9,21,35,55,68,74,78,94,102,106,111,118,122],"main":[6],"causes":[7],"recent":[10],"financial":[11],"crisis":[12],"are":[13],"briefly":[14],"discussed.":[15],"Specific":[16],"attention":[17],"is":[18,42],"paid":[19],"to":[20,27,44,72,89,117],"accuracy":[22],"credit-scoring":[24,46],"models":[25,86,91,103,119],"used":[26,71],"assess":[28,66],"consumer":[29],"credit":[30,48,63],"risk.":[31],"As":[32],"a":[33],"result,":[34],"optimal":[36],"default":[37,57,75,96,107,124],"definition":[38,58,76,108],"selection":[39],"(ODDS)":[40],"algorithm":[41,53,69,113],"proposed":[43],"improve":[45],"for":[47,59,77],"risk":[49],"assessment.":[50],"This":[51],"simple":[52],"selects":[54],"best":[56],"use":[60],"when":[61],"building":[62],"scorecards.":[64],"To":[65],"ODDS,":[67],"was":[70],"select":[73],"random":[79],"forest":[80],"tree":[81],"algorithm.":[82],"The":[83,98],"resulting":[84],"classification":[85],"were":[87,114],"compared":[88],"other":[90],"built":[92],"using":[93,105,121],"unselected":[95,123],"definitions.":[97],"results":[99],"suggest":[100],"that":[101],"developed":[104,120],"selected":[109],"by":[110],"ODDS":[112],"statistically":[115],"superior":[116],"indicators.":[125]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":2},{"year":2016,"cited_by_count":2},{"year":2014,"cited_by_count":1}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}
