Recent developments in consumer credit risk assessment sciencedirect.com

The riskiness of lending to a credit applicant is usually estimated using a logistic regression model though researchers have considered many other types of classifier, but data quality issues may prevent these laboratory based results from being achieved in practice. The…

A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers sciencedirect.com

Surveys the techniques used — both statistical and operational research based — to help organisations decide whether or not to grant credit to consumers. It also discusses the need to incorporate economic conditions into the scoring systems and the way the systems could change…

Instance sampling in credit scoring: An empirical study of sample size and balancing research.lancs.ac.uk

Discusses the traditional sampling conventions in credit modeling and argues that using larger samples provides a significant increase in accuracy across algorithms.

Classifier Technology and the Illusion of Progress projecteuclid.org

A great many tools have been developed for supervised classification, ranging from early methods such as linear discriminant analysis through to modern developments such as neural networks and support vector machines. A large number of comparative studies have been conducted in…

Explainable Machine learning in Credit Risk Management papers.ssrn.com

Proposes an explainable AI model that can be used in credit risk management and, in particular, in measuring the risks that arise when credit is borrowed employing credit scoring platforms.

Credit Scoring and the Availability, Price, and Risk of Small Business Credit muse.jhu.edu

Finds that small business credit scoring is associated with expanded quantities, higher averages prices, and greater average risk levels for small business credits under $100,000, after controlling for bank size and other differences across banks.

Data mining feature selection for credit scoring models link.springer.com

The features used may have an important effect on the performance of credit scoring models. The process of choosing the best set of features for credit scoring models is usually unsystematic and dominated by somewhat arbitrary trial. This paper presents an empirical study of…

A literature review on the application of evolutionary computing to credit scoring link.springer.com

The aim of this paper is to summarize the most recent developments in the application of evolutionary algorithms to credit scoring by means of a thorough review of scientific articles published during the period 2000–2012.

Credit Risk Assessment Using Statistical and Machine Learning: Basic Methodology and Risk Modeling Applications link.springer.com

An important ingredient to accomplish the goal of a more efficient use of resources through risk modeling is to find accurate predictors of individual risk in the credit portfolios of institutions. In this context the authors make a comparative analysis of different statistical…

Random Survival Forests Models for SME Credit Risk Measurement link.springer.com

Extends the existing literature on empirical research in the field of credit risk default for Small Medium Enterprizes (SMEs), proposing a non-parametric approach based on Random Survival Forests (RSF) and comparing its performance with a standard logit model.

Consumer Finance: Challenges for Operational Research jstor.org

Reviews the development of credit scoring (the way of assessing risk in consumer finance) and what is meant by a credit score. Outlines 10 challenges for Operational Research to support modelling in consumer finance.

Statistical Classification Methods in Consumer Credit Scoring: A Review jstor.org

Classic introduction and review of the subject of credit scoring.

Bankruptcy prediction for credit risk using neural networks: A survey and new results ieeexplore.ieee.org

The prediction of corporate bankruptcies is an important and widely studied topic since it can have significant impact on bank lending decisions and profitability. This work reviews the topic of bankruptcy prediction, with emphasis on neural-network (NN) models and develops an…

Example-Dependent Cost-Sensitive Logistic Regression for Credit Scoring ieeexplore.ieee.org

Several real-world classification problems are example-dependent cost-sensitive in nature, where the costs due to misclassification vary between examples. Credit scoring is a typical example of cost-sensitive classification. However, it is usually treated using methods that do…

Machine Learning in Financial Crisis Prediction: A Survey ieeexplore.ieee.org

Reviews 130 journal papers from the period between 1995 and 2010, focusing on the development of state-of-the-art machine-learning techniques for bankruptcy prediction and credit score modeling. Also presents their current achievements and limitations.

Availability of Credit to Small Businesses federalreserve.gov

Section 2227 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 requires that, every five years, the Board of Governors of the Federal Reserve System submit a report to the Congress detailing the extent of small business lending by all creditors. The most…

Machine learning predictivity applied to consumer creditworthiness fbj.springeropen.com

Analyzes the adequacy of borrower’s classification models using a Brazilian bank’s loan database, exploring machine learning techniques, and comparing their predictive accuracy with a benchmark based on a Logistic Regression model. Comparisons are based on usual classification…

Reject inference in application scorecards: evidence from France econpapers.repec.org

Good introduction and discussion on the topic.

Financial credit risk assessment: a recent review dl.acm.org

Summarizes the traditional statistical models and state-of-the-art intelligent methods for financial distress forecasting, with emphasis on the most recent achievements.

Fintech and big tech credit: a new database bis.org

This Working Paper by the Bank of International Settlements, while not as focused on credit risk, maps the conditions for and niches occupied by alternative credit, be it provided by fintechs or big tech companies.

Machine learning explainability in finance: an application to default risk analysis bankofengland.co.uk

This Staff Working Paper from the Bank of England proposes a framework for addressing the ‘black box’ problem present in some Machine Learning (ML) applications.

Super-App Behavioral Patterns in Credit Risk Models: Financial, Statistical and Regulatory Implications arxiv.org

Presents the impact of alternative data that originates from an app-based marketplace, in contrast to traditional bureau data, upon credit scoring models. These alternative data sources have shown themselves to be immensely powerful in predicting borrower behavior in segments…

Modeling Institutional Credit Risk with Financial News arxiv.org

Current work in downgrade risk modeling depends on multiple variations of quantitative measures provided by third-party rating agencies and risk management consultancy companies. There has been a wide push into using alternative sources of data, such as financial news, earnings…

Consumer credit-risk models via machine-learning algorithms alo.mit.edu

The authors apply machine-learning techniques to construct nonlinear nonparametric forecasting models of consumer credit risk. They are able to construct out-of-sample forecasts that significantly improve the classification rates of credit-card-holder delinquencies and defaults.

Siteground Webinar: Learn How WP-CLI Can Make Your Life Easier youtube.com

Practical examples on how you can improve your workflows with WP-CLI.

wp-cli.org wp-cli.org

Homepage of the WP-CLI project.

Controlling WordPress through the Command Line wordpress.tv

Introductory talk that covers the very basics of the command line for people who never used the console before.

#cli channel wordpress.slack.com

The official support channel for WP-CLI and the WordPress CLI team.

An Introduction to WP-CLI pascalbirchler.com

Introductory article that introduces the main concepts and some popular use cases of WP-CLI.

Packagist.org search by WP-CLI package type packagist.org

Composer packages filtered by type wp-cli-package.

Contributing guide make.wordpress.org

Everything you need to know to contribute to the tool or its infrastructure.

WP-CLI handbook make.wordpress.org

Guides on how to use or extend WP-CLI.

Good first issues make.wordpress.org

List of issues on that are limited in scope and complexity.

Make WordPress.org - CLI make.wordpress.org

Main entry point for contributing to WP-CLI.

WP Bullet WP-CLI Guides guides.wp-bullet.com

Snippet-based guides that solve specific use cases.

WP-CLI GitHub organization github.com

Canonical home of the WP-CLI source code.

GitHub.com search for WP-CLI integrations github.com

Heavily pre-filtered search for repositories that use WP_CLI::add_command().

WP-CLI command reference developer.wordpress.org

Reference documentation for all the official WP-CLI commands.

CaptainCore Cookbook captaincore.io

Collection of WP-CLI commands and bash scripts for automating WordPress maintenance.

What is a web archive? youtube.com

A video from the UK Web Archive YouTube Channel

WS-DL Blog ws-dl.blogspot.com

Web Science and Digital Libraries Research Group blogs about various Web archiving related topics, scholarly work, and academic trip reports.

WineBottler winebottler.kronenberg.org

For running Xenu and Notepad++ on macOS.

ReplayWeb.page webrecorder.net

A browser-based, fully client-side replay engine for both local and remote WARC & WACZ files. Also available as an Electron based desktop application. (Stable)

Browsertrix webrecorder.net

From Webrecorder, source available at https://github.com/webrecorder/browsertrix.

ArchiveWeb.Page webrecorder.net

A plugin for Chrome and other Chromium based browsers that lets you interactively archive web pages, replay them, and export them as WARC & WACZ files. Also available as an Electron based desktop application.

Web Data Commons webdatacommons.org

Structured data extracted from Common Crawl. (Stable)

WARC Explorer webdata.nb.no

Browser-based inspector for WARC files and records (client-side).

Web Curator Tool webcuratortool.org

Open-source workflow management for selective web archiving. (Stable)

Web Archiving Roundtable webarchivingrt.wordpress.com

Unofficial blog of the Web Archiving Roundtable of the Society of American Archivists maintained by the members of the Web Archiving Roundtable.

Internet Archive Wayback web.archive.org

Base URL for IA's Wayback Machine.