The educational system determines one of the significant strengths of an advanced society. A country with a lack of culture is less competitive due to the inequality suffered by its people. Institutions and organizations are putting their efforts into tackling that problem. Nevertheless, it is...

The educational system determines one of the significant strengths of an advanced society. A country with a lack of culture is less competitive due to the inequality suffered by its people. Institutions and organizations are putting their efforts into tackling that problem. Nevertheless, it is...

Banks’ credit scoring models are required by financial authorities to be explainable. This paper proposes an explainable artificial intelligence (XAI) model for predicting credit default on a unique dataset of unsecured consumer loans provided by a Norwegian bank. We combined a LightGBM model...

Banks' credit scoring models are required by financial authorities to be explainable. This paper proposes an explainable artificial intelligence (XAI) model for predicting credit default on a unique dataset of unsecured consumer loans provided by a Norwegian bank. We combined a LightGBM model...