HYBRID CREDIT SCORING MODEL USING GENETIC ALGORITHMS AND FUZZY EXPERT SYSTEMS CASE STUDY: GHAVVAMIN FINANCIAL AND CREDIT INSTITUTION

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TAGHAVIFARD MOHAMMAD TAGHI; HOSSEINI FARIBA; KHANBABAEI MOHAMMAD

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Paper Information

Journal: JOURNAL OF INFORMATION TECHNOLOGY MANAGEMENT Year:2014 | Volume:6 | Issue:1 Page(s): 31-46

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Title

HYBRID CREDIT SCORING MODEL USING GENETIC ALGORITHMS AND FUZZY EXPERT SYSTEMS CASE STUDY: GHAVVAMIN FINANCIAL AND CREDIT INSTITUTION

Author(s)

TAGHAVIFARD MOHAMMAD TAGHI | HOSSEINI FARIBA | KHANBABAEI MOHAMMAD | Issue Writer Certificate

Keywords

EXPERT SYSTEMQ2

CREDIT SCORINGQ2

GENETIC ALGORITHMQ2

FUZZY LOGICQ2

Abstract

EXPERT SYSTEMs can help to build banks customers'' CREDIT SCORING models. Here, selection of key features of the CREDIT SCORING is important. Also, it is possible to express the features values as fuzzy. The problem is how to improve features selection by GENETIC ALGORITHM, in way that these features can be employed as input in fuzzy EXPERT SYSTEM. This paper presents a hybrid CREDIT SCORING model with combination of features selection based on GENETIC ALGORITHM and fuzzy EXPERT SYSTEM. The research conducted at the entry, in terms of result and objective is applied and descriptive research as case study, respectively. Ghavvamin financial and credit institution CREDIT SCORING date set is used to train and test the model. After data preprocessing, features selection is carried out using GENETIC ALGORITHM. The range of selected features is determined by interview with an expert and via FUZZY LOGIC and then CREDIT SCORING fuzzy rules can be generated. WEKA tool and fuzzy inference system (FIS) in MATLAB are used for data analysis. Results demonestare classification accouracy of the proposed model is more than the other compared methods in this paper. Fuzzy rules created by this model can be used for CREDIT SCORING of bank customers.

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References

USING GENETIC ALGORITHM IN OPTIMIZING DECISION TREES FOR CREDIT SCORING OF BANKS CUSTOMERS

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APA: Copy

TAGHAVIFARD, MOHAMMAD TAGHI, HOSSEINI, FARIBA, & KHANBABAEI, MOHAMMAD. (2014). HYBRID CREDIT SCORING MODEL USING GENETIC ALGORITHMS AND FUZZY EXPERT SYSTEMS CASE STUDY: GHAVVAMIN FINANCIAL AND CREDIT INSTITUTION. JOURNAL OF INFORMATION TECHNOLOGY MANAGEMENT, 6(1), 31-46. SID. https://sid.ir/paper/140432/en

Vancouver: Copy

TAGHAVIFARD MOHAMMAD TAGHI, HOSSEINI FARIBA, KHANBABAEI MOHAMMAD. HYBRID CREDIT SCORING MODEL USING GENETIC ALGORITHMS AND FUZZY EXPERT SYSTEMS CASE STUDY: GHAVVAMIN FINANCIAL AND CREDIT INSTITUTION. JOURNAL OF INFORMATION TECHNOLOGY MANAGEMENT[Internet]. 2014;6(1):31-46. Available from: https://sid.ir/paper/140432/en

IEEE: Copy

MOHAMMAD TAGHI TAGHAVIFARD, FARIBA HOSSEINI, and MOHAMMAD KHANBABAEI, “HYBRID CREDIT SCORING MODEL USING GENETIC ALGORITHMS AND FUZZY EXPERT SYSTEMS CASE STUDY: GHAVVAMIN FINANCIAL AND CREDIT INSTITUTION,” JOURNAL OF INFORMATION TECHNOLOGY MANAGEMENT, vol. 6, no. 1, pp. 31–46, 2014, [Online]. Available: https://sid.ir/paper/140432/en

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