Online mail order and online retail purchases have increased rapidly in the last five years worldwide, with Covid-19 forcing almost all non-grocery shopping to move online. These practices have increased the availability of new data sources, such as web behavioural variables providing scope for...

Creditors such as banks frequently use expert systems to support their decisions when issuing loans and credit assessment has been an important area of application of machine learning techniques for decades. In practice, banks are often required to provide the rationale behind their decisions in...