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Neural network for predicting the performance of credit card accounts

✍ Scribed by Ilona Jagielska; Janusz Jaworski

Publisher
Springer US
Year
1996
Tongue
English
Weight
294 KB
Volume
9
Category
Article
ISSN
1572-9974

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✦ Synopsis

This paper reports the interim results of an experimental project using neural networks as a decision support tool for credit card risk assessment within a major bank. Two prototype neural network systems have been developed: one which emulates the decisions of the current risk assessment system, and another which attempts to predict the performance of credit card accounts based on the accounts historical data. This paper focuses on the development of the neural network model for credit card account performance prediction. The study has shown that such a tool can help in discovering the potential problems with credit card applicants at the very early stage of the credit account life cycle.

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