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Improving Credit Card Operations With Data Mining Techniques, Malini Krishnamurthi

Journal of International Technology and Information Management

Consumer credit is ubiquitous and lending poses credit risk – the risk of economic loss due to the failure of a borrower to repay according to the terms of his or her contract with the lender. And so, managing credit risk entails estimating the potential ability of borrowers to repay their debts. Researchers have sought to identify factors that contribute to consumer risk, by using quantitative models. However, the presence of data mining techniques to identify credit risk cannot be ignored. There is a paucity of research to demonstrate the use of data mining techniques in this context, and such …