{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,8]],"date-time":"2026-02-08T01:20:53Z","timestamp":1770513653944,"version":"3.49.0"},"publisher-location":"Cham","reference-count":44,"publisher":"Springer International Publishing","isbn-type":[{"value":"9783319499437","type":"print"},{"value":"9783319499444","type":"electronic"}],"license":[{"start":{"date-parts":[[2016,1,1]],"date-time":"2016-01-01T00:00:00Z","timestamp":1451606400000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"},{"start":{"date-parts":[[2016,1,1]],"date-time":"2016-01-01T00:00:00Z","timestamp":1451606400000},"content-version":"vor","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2016]]},"DOI":"10.1007\/978-3-319-49944-4_20","type":"book-chapter","created":{"date-parts":[[2016,11,17]],"date-time":"2016-11-17T10:48:52Z","timestamp":1479379732000},"page":"263-276","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":9,"title":["An Entropy Based Algorithm for Credit Scoring"],"prefix":"10.1007","author":[{"given":"Roberto","family":"Saia","sequence":"first","affiliation":[]},{"given":"Salvatore","family":"Carta","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2016,11,18]]},"reference":[{"issue":"4","key":"20_CR1","doi-asserted-by":"publisher","first-page":"305","DOI":"10.1093\/imaman\/8.4.305","volume":"8","author":"W Henley","year":"1997","unstructured":"Henley, W., et al.: Construction of a k-nearest-neighbour credit-scoring system. IMA J. Manag. Math. 8(4), 305\u2013321 (1997)","journal-title":"IMA J. Manag. Math."},{"key":"20_CR2","first-page":"3","volume":"3","author":"LJ Mester","year":"1997","unstructured":"Mester, L.J., et al.: Whats the point of credit scoring? Bus. Rev. 3, 3\u201316 (1997)","journal-title":"Bus. Rev."},{"key":"20_CR3","unstructured":"Henley, W.E.: Statistical aspects of credit scoring. Ph.D. thesis, Open University (1994)"},{"issue":"3","key":"20_CR4","first-page":"46","volume":"107","author":"A Fensterstock","year":"2005","unstructured":"Fensterstock, A.: Credit scoring and the next step. Bus. Credit 107(3), 46\u201349 (2005)","journal-title":"Bus. Credit"},{"issue":"1","key":"20_CR5","first-page":"16","volume":"100","author":"J Brill","year":"1998","unstructured":"Brill, J.: The importance of credit scoring models in improving cash flow and collections. Bus. Credit 100(1), 16\u201317 (1998)","journal-title":"Bus. Credit"},{"issue":"1","key":"20_CR6","doi-asserted-by":"publisher","first-page":"20","DOI":"10.1145\/1007730.1007735","volume":"6","author":"GE Batista","year":"2004","unstructured":"Batista, G.E., Prati, R.C., Monard, M.C.: A study of the behavior of several methods for balancing machine learning training data. ACM SIGKDD Explor. Newslett. 6(1), 20\u201329 (2004)","journal-title":"ACM SIGKDD Explor. Newslett."},{"issue":"5","key":"20_CR7","doi-asserted-by":"crossref","first-page":"429","DOI":"10.3233\/IDA-2002-6504","volume":"6","author":"N Japkowicz","year":"2002","unstructured":"Japkowicz, N., Stephen, S.: The class imbalance problem: a systematic study. Intell. Data Anal. 6(5), 429\u2013449 (2002)","journal-title":"Intell. Data Anal."},{"issue":"1","key":"20_CR8","doi-asserted-by":"publisher","first-page":"124","DOI":"10.1016\/j.ejor.2015.05.030","volume":"247","author":"S Lessmann","year":"2015","unstructured":"Lessmann, S., Baesens, B., Seow, H., Thomas, L.C.: Benchmarking state-of-the-art classification algorithms for credit scoring: an update of research. Eur. J. Oper. Res. 247(1), 124\u2013136 (2015)","journal-title":"Eur. J. Oper. Res."},{"issue":"3","key":"20_CR9","doi-asserted-by":"publisher","first-page":"3446","DOI":"10.1016\/j.eswa.2011.09.033","volume":"39","author":"I Brown","year":"2012","unstructured":"Brown, I., Mues, C.: An experimental comparison of classification algorithms for imbalanced credit scoring data sets. Expert Syst. Appl. 39(3), 3446\u20133453 (2012)","journal-title":"Expert Syst. Appl."},{"issue":"3","key":"20_CR10","doi-asserted-by":"publisher","first-page":"602","DOI":"10.1016\/j.dss.2010.08.008","volume":"50","author":"S Bhattacharyya","year":"2011","unstructured":"Bhattacharyya, S., Jha, S., Tharakunnel, K.K., Westland, J.C.: Data mining for credit card fraud: a comparative study. Decis. Support Syst. 50(3), 602\u2013613 (2011)","journal-title":"Decis. Support Syst."},{"key":"20_CR11","series-title":"Springer Briefs in Operations Research","doi-asserted-by":"publisher","first-page":"43","DOI":"10.1007\/978-3-319-05864-1_4","volume-title":"Multicriteria Analysis in Finance","author":"M Doumpos","year":"2014","unstructured":"Doumpos, M., Zopounidis, C.: Credit scoring. In: Doumpos, M., Zopounidis, C. (eds.) Multicriteria Analysis in Finance. Springer Briefs in Operations Research, pp. 43\u201359. Springer, Heidelbeg (2014)"},{"issue":"2","key":"20_CR12","doi-asserted-by":"publisher","first-page":"119","DOI":"10.1016\/j.asoc.2004.12.002","volume":"6","author":"S Ali","year":"2006","unstructured":"Ali, S., Smith, K.A.: On learning algorithm selection for classification. Appl. Soft Comput. 6(2), 119\u2013138 (2006)","journal-title":"Appl. Soft Comput."},{"issue":"1","key":"20_CR13","doi-asserted-by":"publisher","first-page":"103","DOI":"10.1007\/s10994-009-5119-5","volume":"77","author":"DJ Hand","year":"2009","unstructured":"Hand, D.J.: Measuring classifier performance: a coherent alternative to the area under the ROC curve. Mach. Learn. 77(1), 103\u2013123 (2009)","journal-title":"Mach. Learn."},{"issue":"6","key":"20_CR14","doi-asserted-by":"publisher","first-page":"550","DOI":"10.1177\/0165551504047928","volume":"30","author":"SY Chen","year":"2004","unstructured":"Chen, S.Y., Liu, X.: The contribution of data mining to information science. J. Inf. Sci. 30(6), 550\u2013558 (2004)","journal-title":"J. Inf. Sci."},{"issue":"1","key":"20_CR15","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1504\/IJBIS.2016.078020","volume":"23","author":"M Alborzi","year":"2016","unstructured":"Alborzi, M., Khanbabaei, M.: Using data mining and neural networks techniques to propose a new hybrid customer behaviour analysis and credit scoring model in banking services based on a developed RFM analysis method. IJBIS 23(1), 1\u201322 (2016)","journal-title":"IJBIS"},{"issue":"2","key":"20_CR16","doi-asserted-by":"crossref","first-page":"101","DOI":"10.1080\/07350015.1983.10509329","volume":"1","author":"AK Reichert","year":"1983","unstructured":"Reichert, A.K., Cho, C.C., Wagner, G.M.: An examination of the conceptual issues involved in developing credit-scoring models. J. Bus. Econ. Stat. 1(2), 101\u2013114 (1983)","journal-title":"J. Bus. Econ. Stat."},{"issue":"1","key":"20_CR17","doi-asserted-by":"publisher","first-page":"24","DOI":"10.1016\/0377-2217(95)00246-4","volume":"95","author":"VS Desai","year":"1996","unstructured":"Desai, V.S., Crook, J.N., Overstreet, G.A.: A comparison of neural networks and linear scoring models in the credit union environment. Eur. J. Oper. Res. 95(1), 24\u201337 (1996)","journal-title":"Eur. J. Oper. Res."},{"issue":"1","key":"20_CR18","doi-asserted-by":"publisher","first-page":"356","DOI":"10.1016\/j.eswa.2012.07.051","volume":"40","author":"A Blanco-Oliver","year":"2013","unstructured":"Blanco-Oliver, A., Pino-Mej\u00edas, R., Lara-Rubio, J., Rayo, S.: Credit scoring models for the microfinance industry using neural networks: evidence from Peru. Expert Syst. Appl. 40(1), 356\u2013364 (2013)","journal-title":"Expert Syst. Appl."},{"issue":"1","key":"20_CR19","doi-asserted-by":"publisher","first-page":"41","DOI":"10.1016\/j.eswa.2005.01.003","volume":"29","author":"CS Ong","year":"2005","unstructured":"Ong, C.S., Huang, J.J., Tzeng, G.H.: Building credit scoring models using genetic programming. Expert Syst. Appl. 29(1), 41\u201347 (2005)","journal-title":"Expert Syst. Appl."},{"issue":"3","key":"20_CR20","doi-asserted-by":"publisher","first-page":"2650","DOI":"10.1016\/j.eswa.2011.08.120","volume":"39","author":"B Chi","year":"2012","unstructured":"Chi, B., Hsu, C.: A hybrid approach to integrate genetic algorithm into dual scoring model in enhancing the performance of credit scoring model. Expert Syst. Appl. 39(3), 2650\u20132661 (2012)","journal-title":"Expert Syst. Appl."},{"key":"20_CR21","first-page":"77","volume":"45","author":"W Henley","year":"1996","unstructured":"Henley, W., Hand, D.J.: A k-nearest-neighbour classifier for assessing consumer credit risk. J. Roy. Stat. Soc. Ser. D (Stat.) 45, 77\u201395 (1996)","journal-title":"J. Roy. Stat. Soc. Ser. D (Stat.)"},{"issue":"1","key":"20_CR22","doi-asserted-by":"publisher","first-page":"43","DOI":"10.1093\/imaman\/4.1.43","volume":"4","author":"R Davis","year":"1992","unstructured":"Davis, R., Edelman, D., Gammerman, A.: Machine-learning algorithms for credit-card applications. IMA J. Manag. Math. 4(1), 43\u201351 (1992)","journal-title":"IMA J. Manag. Math."},{"key":"20_CR23","doi-asserted-by":"publisher","first-page":"61","DOI":"10.1016\/j.knosys.2011.06.020","volume":"26","author":"G Wang","year":"2012","unstructured":"Wang, G., Ma, J., Huang, L., Xu, K.: Two credit scoring models based on dual strategy ensemble trees. Knowl.-Based Syst. 26, 61\u201368 (2012)","journal-title":"Knowl.-Based Syst."},{"issue":"4","key":"20_CR24","doi-asserted-by":"publisher","first-page":"743","DOI":"10.1016\/j.eswa.2004.12.031","volume":"28","author":"TS Lee","year":"2005","unstructured":"Lee, T.S., Chen, I.F.: A two-stage hybrid credit scoring model using artificial neural networks and multivariate adaptive regression splines. Expert Syst. Appl. 28(4), 743\u2013752 (2005)","journal-title":"Expert Syst. Appl."},{"issue":"1","key":"20_CR25","doi-asserted-by":"publisher","first-page":"223","DOI":"10.1016\/j.eswa.2010.06.048","volume":"38","author":"G Wang","year":"2011","unstructured":"Wang, G., Hao, J., Ma, J., Jiang, H.: A comparative assessment of ensemble learning for credit scoring. Expert Syst. Appl. 38(1), 223\u2013230 (2011)","journal-title":"Expert Syst. Appl."},{"issue":"4","key":"20_CR26","doi-asserted-by":"publisher","first-page":"655","DOI":"10.1016\/j.eswa.2004.12.022","volume":"28","author":"NC Hsieh","year":"2005","unstructured":"Hsieh, N.C.: Hybrid mining approach in the design of credit scoring models. Expert Syst. Appl. 28(4), 655\u2013665 (2005)","journal-title":"Expert Syst. Appl."},{"issue":"9","key":"20_CR27","doi-asserted-by":"publisher","first-page":"1263","DOI":"10.1109\/TKDE.2008.239","volume":"21","author":"H He","year":"2009","unstructured":"He, H., Garcia, E.A.: Learning from imbalanced data. IEEE Trans. Knowl. Data Eng. 21(9), 1263\u20131284 (2009)","journal-title":"IEEE Trans. Knowl. Data Eng."},{"issue":"2","key":"20_CR28","first-page":"189","volume":"2","author":"V Vinciotti","year":"2003","unstructured":"Vinciotti, V., Hand, D.J.: Scorecard construction with unbalanced class sizes. J. Iran. Stat. Soc. 2(2), 189\u2013205 (2003)","journal-title":"J. Iran. Stat. Soc."},{"issue":"7","key":"20_CR29","doi-asserted-by":"publisher","first-page":"1060","DOI":"10.1057\/jors.2012.120","volume":"64","author":"AI Marqu\u00e9s","year":"2013","unstructured":"Marqu\u00e9s, A.I., Garc\u00eda, V., S\u00e1nchez, J.S.: On the suitability of resampling techniques for the class imbalance problem in credit scoring. JORS 64(7), 1060\u20131070 (2013)","journal-title":"JORS"},{"issue":"1","key":"20_CR30","doi-asserted-by":"publisher","first-page":"224","DOI":"10.1016\/j.ijforecast.2011.07.006","volume":"28","author":"SF Crone","year":"2012","unstructured":"Crone, S.F., Finlay, S.: Instance sampling in credit scoring: an empirical study of sample size and balancing. Int. J. Forecast. 28(1), 224\u2013238 (2012)","journal-title":"Int. J. Forecast."},{"key":"20_CR31","doi-asserted-by":"crossref","unstructured":"Zhu, J., Wang, H., Yao, T., Tsou, B.K.: Active learning with sampling by uncertainty and density for word sense disambiguation and text classification. In: Scott, D., Uszkoreit, H. (eds.) COLING 2008, 22nd International Conference on Computational Linguistics, Proceedings of the Conference, 18\u201322 August 2008, Manchester, UK, pp. 1137\u20131144 (2008)","DOI":"10.3115\/1599081.1599224"},{"key":"20_CR32","series-title":"Lecture Notes in Computer Science (Lecture Notes in Artificial Intelligence)","doi-asserted-by":"publisher","first-page":"116","DOI":"10.1007\/978-3-540-74958-5_14","volume-title":"Machine Learning: ECML 2007","author":"P Donmez","year":"2007","unstructured":"Donmez, P., Carbonell, J.G., Bennett, P.N.: Dual strategy active learning. In: Kok, J.N., Koronacki, J., Mantaras, R.L., Matwin, S., Mladeni\u010d, D., Skowron, A. (eds.) ECML 2007. LNCS (LNAI), vol. 4701, pp. 116\u2013127. Springer, Heidelberg (2007). doi:10.1007\/978-3-540-74958-5_14"},{"issue":"4","key":"20_CR33","doi-asserted-by":"publisher","first-page":"2065","DOI":"10.1016\/j.eswa.2013.09.005","volume":"41","author":"B Lika","year":"2014","unstructured":"Lika, B., Kolomvatsos, K., Hadjiefthymiades, S.: Facing the cold start problem in recommender systems. Expert Syst. Appl. 41(4), 2065\u20132073 (2014)","journal-title":"Expert Syst. Appl."},{"key":"20_CR34","doi-asserted-by":"publisher","first-page":"87","DOI":"10.1016\/j.is.2014.10.001","volume":"58","author":"LH Son","year":"2016","unstructured":"Son, L.H.: Dealing with the new user cold-start problem in recommender systems: a comparative review. Inf. Syst. 58, 87\u2013104 (2016)","journal-title":"Inf. Syst."},{"key":"20_CR35","doi-asserted-by":"crossref","unstructured":"Fern\u00e1ndez-Tob\u00edas, I., Tomeo, P., Cantador, I., Noia, T.D., Sciascio, E.D.: Accuracy and diversity in cross-domain recommendations for cold-start users with positive-only feedback. In: Sen, S., Geyer, W., Freyne, J., Castells, P., (eds.) Proceedings of the 10th ACM Conference on Recommender Systems, Boston, MA, USA, 15\u201319 September 2016, pp. 119\u2013122. ACM (2016)","DOI":"10.1145\/2959100.2959175"},{"issue":"2","key":"20_CR36","doi-asserted-by":"publisher","first-page":"36","DOI":"10.1145\/1964897.1964906","volume":"12","author":"J Attenberg","year":"2010","unstructured":"Attenberg, J., Provost, F.J.: Inactive learning? difficulties employing active learning in practice. SIGKDD Explor. 12(2), 36\u201341 (2010)","journal-title":"SIGKDD Explor."},{"issue":"3","key":"20_CR37","first-page":"399","volume":"2","author":"V Thanuja","year":"2011","unstructured":"Thanuja, V., Venkateswarlu, B., Anjaneyulu, G.: Applications of data mining in customer relationship management. J. Comput. Math. Sci. 2(3), 399\u2013580 (2011)","journal-title":"J. Comput. Math. Sci."},{"issue":"1","key":"20_CR38","doi-asserted-by":"publisher","first-page":"5","DOI":"10.1023\/A:1010933404324","volume":"45","author":"L Breiman","year":"2001","unstructured":"Breiman, L.: Random forests. Mach. Learn. 45(1), 5\u201332 (2001)","journal-title":"Mach. Learn."},{"issue":"1","key":"20_CR39","doi-asserted-by":"publisher","first-page":"3","DOI":"10.1145\/584091.584093","volume":"5","author":"CE Shannon","year":"2001","unstructured":"Shannon, C.E.: A mathematical theory of communication. Mob. Comput. Commun. Rev. 5(1), 3\u201355 (2001)","journal-title":"Mob. Comput. Commun. Rev."},{"issue":"1\u20134","key":"20_CR40","doi-asserted-by":"publisher","first-page":"131","DOI":"10.1016\/S1088-467X(97)00008-5","volume":"1","author":"M Dash","year":"1997","unstructured":"Dash, M., Liu, H.: Feature selection for classification. Intell. Data Anal. 1(1\u20134), 131\u2013156 (1997)","journal-title":"Intell. Data Anal."},{"issue":"1","key":"20_CR41","doi-asserted-by":"publisher","first-page":"143","DOI":"10.1109\/72.977291","volume":"13","author":"N Kwak","year":"2002","unstructured":"Kwak, N., Choi, C.: Input feature selection for classification problems. IEEE Trans. Neural Netw. 13(1), 143\u2013159 (2002)","journal-title":"IEEE Trans. Neural Netw."},{"issue":"7","key":"20_CR42","doi-asserted-by":"publisher","first-page":"2151","DOI":"10.1016\/j.patcog.2015.01.023","volume":"48","author":"F Jiang","year":"2015","unstructured":"Jiang, F., Sui, Y., Zhou, L.: A relative decision entropy-based feature selection approach. Pattern Recogn. 48(7), 2151\u20132163 (2015)","journal-title":"Pattern Recogn."},{"key":"20_CR43","doi-asserted-by":"publisher","first-page":"37","DOI":"10.1007\/s13042-011-0012-5","volume":"2","author":"DM Powers","year":"2011","unstructured":"Powers, D.M.: Evaluation: from precision, recall and f-measure to ROC, informedness, markedness and correlation. Int. J. Mach. Learn. Technol. 2, 37\u201363 (2011)","journal-title":"Int. J. Mach. Learn. Technol."},{"issue":"20","key":"20_CR44","doi-asserted-by":"publisher","first-page":"3093","DOI":"10.1002\/sim.1228","volume":"21","author":"D Faraggi","year":"2002","unstructured":"Faraggi, D., Reiser, B.: Estimation of the area under the ROC curve. Stat. Med. 21(20), 3093\u20133106 (2002)","journal-title":"Stat. Med."}],"container-title":["Lecture Notes in Business Information Processing","Research and Practical Issues of Enterprise Information Systems"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/978-3-319-49944-4_20","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2024,6,20]],"date-time":"2024-06-20T17:20:32Z","timestamp":1718904032000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/978-3-319-49944-4_20"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2016]]},"ISBN":["9783319499437","9783319499444"],"references-count":44,"URL":"https:\/\/doi.org\/10.1007\/978-3-319-49944-4_20","relation":{},"ISSN":["1865-1348","1865-1356"],"issn-type":[{"value":"1865-1348","type":"print"},{"value":"1865-1356","type":"electronic"}],"subject":[],"published":{"date-parts":[[2016]]},"assertion":[{"value":"18 November 2016","order":1,"name":"first_online","label":"First Online","group":{"name":"ChapterHistory","label":"Chapter History"}},{"value":"CONFENIS","order":1,"name":"conference_acronym","label":"Conference Acronym","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"International Conference on Research and Practical Issues of Enterprise Information Systems","order":2,"name":"conference_name","label":"Conference Name","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Vienna","order":3,"name":"conference_city","label":"Conference City","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Austria","order":4,"name":"conference_country","label":"Conference Country","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"2016","order":5,"name":"conference_year","label":"Conference Year","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"13 December 2016","order":7,"name":"conference_start_date","label":"Conference Start Date","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"14 December 2016","order":8,"name":"conference_end_date","label":"Conference End Date","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"10","order":9,"name":"conference_number","label":"Conference Number","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"confenis2016","order":10,"name":"conference_id","label":"Conference ID","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"This content has been made available to all.","name":"free","label":"Free to read"}]}}