Abstract-Credit scoring has become a very important task in the credit industry and its use has increased at a phenomenal speed through the mass issue of credit cards since the 1960s. This paper compares the performance of current classifiers against an artificial intelligence technique based on the natural immune system, named simple artificial immune system (SAIS). Experiments were performed on three benchmark credit datasets and SAIS was found to be a very competitive classifier.

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Abstract:With the changing role of the student from participant to customer, universities should examine their level of customer service. Using a questionnaire adapted from the Student Satisfaction Liventory (SSI), this study assessed the differences in expectations, as examined by importance scores, satisfaction scores, and performance gap scores of RMIT Business undergraduate students in regard to the technological services provided by the university. A random sample of final year Business undergraduate students was surveyed and an analysis was performed to determine how student satisfaction was affected by student online services delivered through the use of Information and Communication Technologies (ICT).