In recent years, machine learning research has gained momentum: New developments in the field of deep learning allow for multiple levels of abstraction and are starting to supersede well-known and powerful tree-based techniques mainly operating on the original feature space. All these methods...

In this challenging and innovative article, we propose a framework for the consumer behavior named "consumer financial spinning". It occurs when borrowers-consumers of products with high financial stakes accumulate unsustainable debt and disconnect from their initial financial hierarchy of...