{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,2,1]],"date-time":"2025-02-01T05:31:16Z","timestamp":1738387876113,"version":"3.35.0"},"reference-count":33,"publisher":"Springer Science and Business Media LLC","issue":"2","license":[{"start":{"date-parts":[[2003,5,1]],"date-time":"2003-05-01T00:00:00Z","timestamp":1051747200000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Oper Res Int J"],"published-print":{"date-parts":[[2003,5]]},"DOI":"10.1007\/bf02940280","type":"journal-article","created":{"date-parts":[[2008,9,19]],"date-time":"2008-09-19T13:55:48Z","timestamp":1221832548000},"page":"99-122","source":"Crossref","is-referenced-by-count":1,"title":["Data mining in retail credit"],"prefix":"10.1007","volume":"3","author":[{"given":"Georgios","family":"Sarantopoulos","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"297","reference":[{"key":"BF02940280_CR1","unstructured":"SAS Enterprise Miner Software, Version 3.0,"},{"key":"BF02940280_CR2","doi-asserted-by":"crossref","first-page":"179","DOI":"10.1111\/j.1469-1809.1936.tb02137.x","volume":"7","author":"R.A Fisher","year":"1936","unstructured":"Fisher, R.A (1936). The use of multiple measurements in taxonomic problems.Annals of Eugenics 7, 179\u2013188.","journal-title":"Annals of Eugenics"},{"key":"BF02940280_CR3","doi-asserted-by":"crossref","first-page":"101","DOI":"10.1080\/07350015.1983.10509329","volume":"1","author":"AK Reichert","year":"1983","unstructured":"Reichert AK, Cho CC and Wagner GM (1983). An examination of the conceptual issues involved in developing credit-scoring models.Journal of Business and Economic Statistics 1: 101\u2013114.","journal-title":"Journal of Business and Economic Statistics"},{"key":"BF02940280_CR4","doi-asserted-by":"crossref","first-page":"875","DOI":"10.1111\/j.1540-6261.1977.tb01995.x","volume":"32","author":"RA Eisenbeis","year":"1997","unstructured":"Eisenbeis RA (1997). Pitfalls in the application of discriminant analysis in business, finance and economics.Journal of Finance 32: 875\u2013900.","journal-title":"Journal of Finance"},{"key":"BF02940280_CR5","doi-asserted-by":"crossref","first-page":"757","DOI":"10.2307\/2330408","volume":"15","author":"JC Wiginton","year":"1994","unstructured":"Wiginton JC (1994). A note on the comparison of logit and discriminant models of consumer credit behaviour.Journal of Financial and Quantitative Analysis 15: 757\u2013770.","journal-title":"Journal of Financial and Quantitative Analysis"},{"key":"BF02940280_CR6","volume-title":"PhD Thesis","author":"W.E Henley","year":"1994","unstructured":"Henley W.E (1994). Statistical aspects of credit scoring, PhD Thesis, The Open University, Milton Keynes, U.K."},{"key":"BF02940280_CR7","doi-asserted-by":"crossref","unstructured":"McClelland J.L and Rumelhart D.E (1986) Parallel Distributed Processing, Volume 1. MIT Bradford Press.","DOI":"10.7551\/mitpress\/5236.001.0001"},{"key":"BF02940280_CR8","first-page":"215","volume":"43","author":"A Hart","year":"1992","unstructured":"Hart A (1992). Using neural networks for classification tasks \u2014 some experiments on datasets and practical advice.Journal of Operational Research Society 43: 215\u2013226.","journal-title":"Journal of Operational Research Society"},{"key":"BF02940280_CR9","doi-asserted-by":"crossref","first-page":"51","DOI":"10.1057\/jors.1993.6","volume":"44","author":"Y Yoon","year":"1993","unstructured":"Yoon Y, Swales JR G Margavio TM (1993). A comparison of discriminant analysis versus artificial neural networks.Journal of Operational Research Society 44: 51\u201360.","journal-title":"Journal of Operational Research Society"},{"key":"BF02940280_CR10","doi-asserted-by":"crossref","first-page":"27","DOI":"10.1002\/j.1099-1174.1995.tb00078.x","volume":"4","author":"R Slowisnki","year":"1995","unstructured":"Slowisnki R and Zopounidis C (1995). Application of the rough set approach to evaluation of bankruptcy risk.International Journal of Intelligent Systems in Accounting, Finance and Management 4, 27\u201341.","journal-title":"International Journal of Intelligent Systems in Accounting, Finance and Management"},{"issue":"2","key":"BF02940280_CR11","doi-asserted-by":"crossref","first-page":"263","DOI":"10.1016\/S0377-2217(98)00255-0","volume":"114","author":"A.I. Dimitras","year":"1999","unstructured":"Dimitras A.I., Slowinski R, Susmaga R and Zopounidis C (1999). Business failure prediction using rough sets.European Journal of Operational Research 114 (2), 263\u2013280.","journal-title":"European Journal of Operational Research"},{"key":"BF02940280_CR12","volume-title":"Multicriteria Decision Aid Methodology Classification Methods","author":"M. Doumbos","year":"2002","unstructured":"Doumbos M. and Zopounidis C. (2002). Multicriteria Decision Aid Methodology Classification Methods,Kluwer Academic Publishers, Dordrecht."},{"key":"BF02940280_CR13","doi-asserted-by":"crossref","first-page":"163","DOI":"10.1007\/978-1-4757-2845-3_12","volume-title":"Managing in Uncertainty: Theory and Practice","author":"C. Zopounidis","year":"1998","unstructured":"Zopounidis C., Pardalos P.M., Doumbos M, Mavridou Th. (1998). \u201cMulticriteria decision aid in credit cards assessment\u201d, in: C. Zopounidis and P.M. Pardalos (eds.), Managing in Uncertainty: Theory and Practice,Kluwer Academic Publishers, Dordrecht, 163\u2013173."},{"issue":"7\u20138","key":"BF02940280_CR14","doi-asserted-by":"crossref","first-page":"779","DOI":"10.1016\/S0305-0548(99)00118-5","volume":"27","author":"Zopounidis","year":"2000","unstructured":"Zopounidis and Doumbos (2000), \u201cPREFDIS: A multicriteria decision support system for sorting decision problems\u201d,Computers and Operational Research, 27 (7\u20138), 779\u2013797.","journal-title":"Computers and Operational Research"},{"issue":"2","key":"BF02940280_CR15","doi-asserted-by":"crossref","first-page":"371","DOI":"10.1016\/S0377-2217(01)00360-5","volume":"139","author":"C Zopounidis","year":"2001","unstructured":"Zopounidis C, Doumbos M. (2001). Multi-group discrimination using multi-criteria analysis: Illustrations from the field of finance.European Journal of Operational Research 139 (2), 371\u2013389.","journal-title":"European Journal of Operational Research"},{"key":"BF02940280_CR16","doi-asserted-by":"crossref","first-page":"213","DOI":"10.1002\/mcda.329","volume":"11","author":"N. Matsatsinis","year":"2003","unstructured":"Matsatsinis N. (2003). CCAS: An Intelligent Decision Support System for Credit Card Assessment.Journal of Multi-Criteria Decision Analysis 11, 213\u2013235.","journal-title":"Journal of Multi-Criteria Decision Analysis"},{"key":"BF02940280_CR17","doi-asserted-by":"crossref","unstructured":"Liang P, Chandler J, Han I(1990). Integrating Statistical and Inductive Methods for Knowledge Acquisition.Expert Systems with Applications 1 (4).","DOI":"10.1016\/0957-4174(90)90048-Y"},{"key":"BF02940280_CR18","unstructured":"Yu W (1992). ELECTRE TRI: Aspects m\u00e9thodologiques et manuel d\u2019utilisation.Document du LAMSADE, 14, Universit\u00e9 de Paris-Dauphine."},{"key":"BF02940280_CR19","first-page":"63","volume":"2","author":"T.C Fogarty","year":"1993","unstructured":"Fogarty T.C and Ireson N.S (1993). Evolving Bayesian classifiers for credit control \u2014 a comparison with other machine learning methods,IMA Journal of Mathematics Applied in Business and Industry 2, 63\u201376.","journal-title":"IMA Journal of Mathematics Applied in Business and Industry"},{"key":"BF02940280_CR20","first-page":"323","volume":"8","author":"V.S Desai","year":"1997","unstructured":"Desai V.S, Convay D.G, Crook J.N, Overstreet G.A (1997). Credit Scoring models in the credit union environment using neural networks and genetic algorithms,IMA Journal of Mathematics applied in Business and Industry 8, 323\u2013346.","journal-title":"IMA Journal of Mathematics applied in Business and Industry"},{"key":"BF02940280_CR21","doi-asserted-by":"crossref","first-page":"150","DOI":"10.1080\/01621459.1970.10481068","volume":"65","author":"S Chaterjee","year":"1970","unstructured":"Chaterjee S and Barcun S (1970). A non parametric approach to credit screening,Journal of American Statistical Assoc. 65, 150\u2013154.","journal-title":"Journal of American Statistical Assoc."},{"key":"BF02940280_CR22","doi-asserted-by":"crossref","first-page":"5","DOI":"10.1007\/BFb0098488","volume-title":"A tree-structured approach to nonparametric multiple regression. In smoothing Techniques for Curve Estimation","author":"J.H Freidman","year":"1979","unstructured":"Freidman J.H (1979). A tree-structured approach to nonparametric multiple regression. In smoothing Techniques for Curve Estimation, ed: Gasser, Th. And Rosenblatt, M., New York: Spinger Verlag, 5\u201322."},{"key":"BF02940280_CR23","unstructured":"Brieman L., Friedman J.H, Olshen R.A and Stone C.J (1984). Classification and Regression Trees. Wadsworth International."},{"key":"BF02940280_CR24","first-page":"30","volume":"75","author":"P Makowski","year":"1985","unstructured":"Makowski P (1985). Credit Scoring Branches Out. Credit World. 75, 30\u201337.","journal-title":"Credit World"},{"key":"BF02940280_CR25","unstructured":"Coffman J.Y (1986). The proper role of Tree Analysis in Forecasting the Risk behavior of borrowers, MDS Reports, Management Decision System, Atlanta, GA, 3, 3, 7, 9."},{"key":"BF02940280_CR26","doi-asserted-by":"crossref","first-page":"665","DOI":"10.1111\/j.1540-6261.1987.tb04576.x","volume":"92","author":"V. Srinivasan","year":"1987","unstructured":"Srinivasan V. and Kim Y.H (1987). Credit granting: comparative analysis of classification procedures.Journal of Finance 92, 665\u2013681.","journal-title":"Journal of Finance"},{"key":"BF02940280_CR27","first-page":"75","volume-title":"Proceedings of the IMA conference on credit scoring and credit control","author":"M. Boyle","year":"1992","unstructured":"Boyle M., Crook J.N., Hamilton R and Thomas L.C (1992). Methods for credit scoring applied to slow payers. In Proceedings of the IMA conference on credit scoring and credit control, ed: Thomas L.C, Crook J.N and Edelman D.B. 75\u201390. Clarendon Press, Oxford."},{"key":"BF02940280_CR28","doi-asserted-by":"crossref","first-page":"119","DOI":"10.2307\/2986296","volume":"29","author":"G.V. Kass","year":"1980","unstructured":"Kass, G.V. (1980). An exploratory technique for investigating large quantities of categorical data.Applied Statistics 29, 119\u2013127.","journal-title":"Applied Statistics"},{"key":"BF02940280_CR29","doi-asserted-by":"crossref","unstructured":"Thomas L.C, Edelman D. B., Crook J. N (2002). Credit Scoring and its Applications, Society for Industrial and Applied Mathematics (SIAM\u2122).","DOI":"10.1137\/1.9780898718317"},{"key":"BF02940280_CR30","doi-asserted-by":"crossref","first-page":"168","DOI":"10.1037\/0033-2909.86.1.168","volume":"86","author":"L Wilkinson","year":"1979","unstructured":"Wilkinson L (1979). Tests of significance in stepwise regression.Psychological Bulleting, 86 168\u2013174.","journal-title":"Psychological Bulleting"},{"key":"BF02940280_CR31","unstructured":"Scallan G (1997). Making the Tools \u2014 Quality in Scorecard Building.Score Plus Training Seminar, 14\u201316 May 1997."},{"key":"BF02940280_CR32","first-page":"3","volume":"29","author":"John A. Hanley","year":"1989","unstructured":"Hanley, John A. (1989). \u201cReceiver Operating Characteristic (ROC) Methodology: The State of the Art.\u201dCritical Reviews in Diagnostic Imaging, 29, 3","journal-title":"Critical Reviews in Diagnostic Imaging"},{"key":"BF02940280_CR33","unstructured":"Thomas L.C (1999). \u201cA survey of credit and behavioural scoring: Forecasting financial risk of lending to consumers\u201d. Working paper 99\/2, School of Management, University of Edinburgh."}],"container-title":["Operational Research"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/BF02940280.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/article\/10.1007\/BF02940280\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/BF02940280","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,2,1]],"date-time":"2025-02-01T00:24:09Z","timestamp":1738369449000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/BF02940280"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2003,5]]},"references-count":33,"journal-issue":{"issue":"2","published-print":{"date-parts":[[2003,5]]}},"alternative-id":["BF02940280"],"URL":"https:\/\/doi.org\/10.1007\/bf02940280","relation":{},"ISSN":["1109-2858","1866-1505"],"issn-type":[{"type":"print","value":"1109-2858"},{"type":"electronic","value":"1866-1505"}],"subject":[],"published":{"date-parts":[[2003,5]]}}}