“…On the other hand, data mining techniques have been positively contributed to different fields in general (Idrees, ElSeddawy, & Zeidan, 2019) (Al Mazroi, Khedr, & Idrees, 2021) (Hassan, Dahab, Bahnasy, Idrees, & Gamal, 2014) and in the financial aspects of the banks in specific which has a positive contribution in both the banks as the main organization as well as the positive economic impact . Therefore, the requirement for continuous enhancements in applying these techniques with different perspectives has been highly recommended specially with the success of the collaborative environment approach (Hassan, Dahab, Bahnassy, Idrees, & Gamal, 2015). Although customers' loans are only one of the profitable services in the banking fields that generate an income to the financial institution, however, it is considered one of the highest services' risk.…”