As one of the application areas of data mining, the credit scoring problem is related to theclassification decision. The problem of classification decision has three professionalbackgrounds: statistics, machine learning, and artificial neural networks. There are manycategories of classification...

Empirical credit scoring as a technique that has its traditional statistical background is in thispaper looked as the classification problem of data mining.Restricted originally in the reject/accept decisions on consumer credits, the applications ofscoring methods have come to cover the area of...