“…For a long time, the banking sector was considered the main direction for scoring, namely, lending issues and determining the solvency of the borrower [5][6][7][8][9], therefore, there is the most literature in this area. It is also worth noting that scoring is actively used in insurance matters [10][11][12][13][14] and in medicine [15,16], or rather in the possibility of predicting the development of pathologies in patients [17][18][19]. The topic of scoring and its use was revealed in detail by Edward S. Althaus [20] in his work on this topic.…”