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Full-Text Articles in Physical Sciences and Mathematics
Adaptive Credit Scoring With Analytic Hierarchy Process, Kwang Yong Koh, Murphy Choy, Michelle L. F. Cheong
Adaptive Credit Scoring With Analytic Hierarchy Process, Kwang Yong Koh, Murphy Choy, Michelle L. F. Cheong
Research Collection School Of Computing and Information Systems
Credit risk assessment for consumers has been a cornerstone of risk management in financial institutions and constitutes a component of the three pillars of Basel II. Traditionally, the concept of 5 ‘C’s was widely adopted by financial institutions as the key basis for credit risk assessment for loan applications by prospective borrowers. With the evolution of the credit risk management practices, more quantitative methods such as credit scorecards have been developed, which is implemented through the use of logistic regression, decision trees and neural networks. However, such approaches proved to be inadequate with the validity and effectiveness of the approaches …
Demand Forecasting Using A Growth Model And Negative Binomial Regression Framework, Cally Yeru Ong, Murphy Choy, Michelle L. F. Cheong
Demand Forecasting Using A Growth Model And Negative Binomial Regression Framework, Cally Yeru Ong, Murphy Choy, Michelle L. F. Cheong
Research Collection School Of Computing and Information Systems
In this paper, we look at demand forecasting by using a growth model and negative binomial regression framework. Using cumulative sales, we model the sales data for different wristwatch brands and relate it to their sales and growth characteristics. We apply clustering to determine the distinctive characteristics of each individual cluster. Four different growth models are applied to the clusters to find the most suitable growth model to be used. After determining the appropriate growth model to be applied, we then forecast the sales by applying the model to new products being launched in the market and continue to monitor …
Implementation Of Slowly Changing Dimension To Data Warehouse To Manage Marketing Campaigns In Banks, Lihui Wang, Junyu Choy, Michelle L. F. Cheong
Implementation Of Slowly Changing Dimension To Data Warehouse To Manage Marketing Campaigns In Banks, Lihui Wang, Junyu Choy, Michelle L. F. Cheong
Research Collection School Of Computing and Information Systems
Management of updating and recording campaign leads in data warehouse of any banking environment is complex especially with multiple campaigns are active simultaneously. As a way to avoid overly contacting customers for sales-based marketing contacts, the concept of Recency Frame is introduced to “lock” the customers who are targeted in Sales-based campaign for a specified time period. During this Recency Frame, the customer cannot be targeted by other Sales-based campaign under the same channel. This approach increased the difficulties of managing the customers’ data with proper data updating and storing and procedures have to be placed and made sufficiently robust …