This paper investigates how factor clustering-based approach to segment and estimate a statistical-based credit score for small and medium enterprises (SMEs) involved in P2P lending. The approach explore the concept of familiarity which relies on the notion that, the more familiar/similar things...

According to different typologies of activity and priority, risks can assume diverse meanings and it can be assessed in different ways. In general risk is measured in terms of a probability combination of an event (frequency) and its consequence (impact). To estimate the frequency and the impact...