2024
DOI: 10.4018/joeuc.343256
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Application of AdaBound-Optimized XGBoost-LSTM Model for Consumer Credit Assessment in Banking Industries

Lijuan Fan,
Changlin Wang,
Zhonghua Lu

Abstract: Consumer credit assessment has always been a crucial concern in the financial industry. It involves evaluating an individual's credit history and their ability to repay loans, playing a pivotal role in the risk management and lending decisions made by credit institutions. In the present landscape, traditional credit assessment methods confront various shortcomings. Firstly, they typically only consider static features and are unable to capture the dynamic changes in an individual's credit profile over time. Se… Show more

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