{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,4,11]],"date-time":"2025-04-11T16:27:37Z","timestamp":1744388857207,"version":"3.40.3"},"publisher-location":"Cham","reference-count":19,"publisher":"Springer International Publishing","isbn-type":[{"type":"print","value":"9783030615260"},{"type":"electronic","value":"9783030615277"}],"license":[{"start":{"date-parts":[[2020,1,1]],"date-time":"2020-01-01T00:00:00Z","timestamp":1577836800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.springer.com\/tdm"},{"start":{"date-parts":[[2020,1,1]],"date-time":"2020-01-01T00:00:00Z","timestamp":1577836800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2020]]},"DOI":"10.1007\/978-3-030-61527-7_14","type":"book-chapter","created":{"date-parts":[[2020,10,14]],"date-time":"2020-10-14T18:04:39Z","timestamp":1602698679000},"page":"207-216","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":4,"title":["Assembled Feature Selection for Credit Scoring in Microfinance with Non-traditional Features"],"prefix":"10.1007","author":[{"given":"Saulo","family":"Ruiz","sequence":"first","affiliation":[]},{"given":"Pedro","family":"Gomes","sequence":"additional","affiliation":[]},{"given":"Lu\u00eds","family":"Rodrigues","sequence":"additional","affiliation":[]},{"given":"Jo\u00e3o","family":"Gama","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2020,10,15]]},"reference":[{"key":"14_CR1","unstructured":"Barnes, P.: E-commerce in emerging markets: the biggest growth opportunity (2016). http:\/\/marketrealist.com\/2016\/12\/emerging-markets-better-demographics\/. Accessed 20 Nov 2019"},{"key":"14_CR2","unstructured":"Bi\u00e7er, I., Sevis, D., Bilgic, T.: Bayesian credit scoring model with integration of expert knowledge and customer data. In: International Conference 24th Mini EURO Conference \u201cContinuous Optimization and Information-Based Technologies in the Financial Sector\u201d (MEC EurOPT 2010), pp. 324\u2013329. Vilnius Gediminas Technical University Publishing House \u201cTechnika\u201d (2010)"},{"key":"14_CR3","unstructured":"Bjorkegren, D., Grissen, D.: Behavior revealed in mobile phone usage predicts loan repayment (2015)"},{"issue":"1","key":"14_CR4","doi-asserted-by":"publisher","first-page":"356","DOI":"10.1016\/j.eswa.2012.07.051","volume":"40","author":"A Blanco","year":"2013","unstructured":"Blanco, A., Pino-Mej\u00edas, R., Lara, 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."},{"key":"14_CR5","unstructured":"De Cnudde, S., et al.: Who cares about your Facebook friends? Credit scoring for microfinance. Technical report (2015)"},{"key":"14_CR6","unstructured":"Fifer Mandell, A., Strawther, M., Zhu, J.: Inventure: building credit scoring tools for the base of the pyramid (2015)"},{"issue":"11","key":"14_CR7","doi-asserted-by":"publisher","first-page":"1","DOI":"10.18637\/jss.v036.i11","volume":"36","author":"MB Kursa","year":"2010","unstructured":"Kursa, M.B., Rudnicki, W.R., et al.: Feature selection with the Boruta package. J. Stat. Softw. 36(11), 1\u201313 (2010)","journal-title":"J. Stat. Softw."},{"key":"14_CR8","unstructured":"Madhavi, A.V.: Improving the credit scoring model of microfinance institutions by support vector machine (2014)"},{"key":"14_CR9","unstructured":"Poushter, J.: Financial inclusion: helping countries meet the needs of the under-banked and under-servedk (2016). http:\/\/www.pewglobal.org\/2016\/02\/22\/smartphone-ownership-and-internet-usage-continues-to-climb-in-emerging-economies\/. Accessed 20 Nov 2019"},{"issue":"6","key":"14_CR10","doi-asserted-by":"publisher","first-page":"1355","DOI":"10.3233\/IDA-184239","volume":"23","author":"S Ruiz","year":"2019","unstructured":"Ruiz, S., Gomes, P., Rodrigues, L., Gama, J.: Credit scoring for microfinance using behavioral data in emerging markets. Intell. Data Anal. 23(6), 1355\u20131378 (2019)","journal-title":"Intell. Data Anal."},{"key":"14_CR11","series-title":"Lecture Notes in Computer Science","doi-asserted-by":"publisher","first-page":"195","DOI":"10.1007\/978-3-319-20267-9_16","volume-title":"User Modeling, Adaptation and Personalization","author":"JS Pedro","year":"2015","unstructured":"Pedro, J.S., Proserpio, D., Oliver, N.: MobiScore: towards universal credit scoring from mobile phone data. In: Ricci, F., Bontcheva, K., Conlan, O., Lawless, S. (eds.) UMAP 2015. LNCS, vol. 9146, pp. 195\u2013207. Springer, Cham (2015). https:\/\/doi.org\/10.1007\/978-3-319-20267-9_16"},{"key":"14_CR12","unstructured":"Schreiner, M.: A scoring model of the risk of costly arrears for loans from affiliates of women\u2019s world banking in Colombia. Women\u2019s World Banking (2000)"},{"key":"14_CR13","unstructured":"Schreiner, M.: The risk of exit for borrowers from a microlender in Bolivia. Center for Social Development, Washington University in St. Louis, gwbweb. wustl. edu\/users\/schreiner (1999)"},{"key":"14_CR14","unstructured":"Schreiner, M., et al.: A scoring model of the risk of costly arrears at a microfinance lender in Bolivia. Center for Social Development, Washington University in St. Louis, gwbweb. wustl. edu\/users\/schreiner (1999)"},{"key":"14_CR15","unstructured":"Siddiqi, N.: Credit Risk Scorecards. Devoloping and Implementing Intelligent Credit Scoring. Wiley, New Jersey (2006)"},{"key":"14_CR16","doi-asserted-by":"publisher","first-page":"341","DOI":"10.1016\/j.eswa.2015.09.055","volume":"45","author":"MR Sousa","year":"2016","unstructured":"Sousa, M.R., Gama, J., Brand\u00e3o, E.: A new dynamic modeling framework for credit risk assessment. Expert Syst. Appl. 45, 341\u2013351 (2016)","journal-title":"Expert Syst. Appl."},{"issue":"1","key":"14_CR17","doi-asserted-by":"crossref","first-page":"267","DOI":"10.1111\/j.2517-6161.1996.tb02080.x","volume":"58","author":"R Tibshirani","year":"1996","unstructured":"Tibshirani, R.: Regression shrinkage and selection via the Lasso. J. Royal Stat. Soc. Ser. B (Methodological) 58(1), 267\u2013288 (1996)","journal-title":"J. Royal Stat. Soc. Ser. B (Methodological)"},{"issue":"2","key":"14_CR18","doi-asserted-by":"publisher","first-page":"103","DOI":"10.1002\/ijfe.444","volume":"17","author":"J Van Gool","year":"2012","unstructured":"Van Gool, J., Verbeke, W., Sercu, P., Baesens, B.: Credit scoring for microfinance: is it worth it? Int. J. Fin. Econ. 17(2), 103\u2013123 (2012)","journal-title":"Int. J. Fin. Econ."},{"issue":"3","key":"14_CR19","doi-asserted-by":"publisher","first-page":"427","DOI":"10.1093\/biostatistics\/kxg046","volume":"5","author":"J Zhu","year":"2004","unstructured":"Zhu, J., Hastie, T.: Classification of gene microarrays by penalized logistic regression. Biostatistics 5(3), 427\u2013443 (2004)","journal-title":"Biostatistics"}],"container-title":["Lecture Notes in Computer Science","Discovery Science"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/978-3-030-61527-7_14","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2024,8,15]],"date-time":"2024-08-15T22:32:12Z","timestamp":1723761132000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/978-3-030-61527-7_14"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2020]]},"ISBN":["9783030615260","9783030615277"],"references-count":19,"URL":"https:\/\/doi.org\/10.1007\/978-3-030-61527-7_14","relation":{},"ISSN":["0302-9743","1611-3349"],"issn-type":[{"type":"print","value":"0302-9743"},{"type":"electronic","value":"1611-3349"}],"subject":[],"published":{"date-parts":[[2020]]},"assertion":[{"value":"15 October 2020","order":1,"name":"first_online","label":"First Online","group":{"name":"ChapterHistory","label":"Chapter History"}},{"value":"DS","order":1,"name":"conference_acronym","label":"Conference Acronym","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"International Conference on Discovery Science","order":2,"name":"conference_name","label":"Conference Name","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Thessaloniki","order":3,"name":"conference_city","label":"Conference City","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Greece","order":4,"name":"conference_country","label":"Conference Country","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"2020","order":5,"name":"conference_year","label":"Conference Year","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"19 October 2020","order":7,"name":"conference_start_date","label":"Conference Start Date","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"21 October 2020","order":8,"name":"conference_end_date","label":"Conference End Date","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"23","order":9,"name":"conference_number","label":"Conference Number","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"dis2020","order":10,"name":"conference_id","label":"Conference ID","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"https:\/\/ds2020.csd.auth.gr\/","order":11,"name":"conference_url","label":"Conference URL","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Single-blind","order":1,"name":"type","label":"Type","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"EasyChair","order":2,"name":"conference_management_system","label":"Conference Management System","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"76","order":3,"name":"number_of_submissions_sent_for_review","label":"Number of Submissions Sent for Review","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"26","order":4,"name":"number_of_full_papers_accepted","label":"Number of Full Papers Accepted","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"19","order":5,"name":"number_of_short_papers_accepted","label":"Number of Short Papers Accepted","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"34% - The value is computed by the equation \"Number of Full Papers Accepted \/ Number of Submissions Sent for Review * 100\" and then rounded to a whole number.","order":6,"name":"acceptance_rate_of_full_papers","label":"Acceptance Rate of Full Papers","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"3","order":7,"name":"average_number_of_reviews_per_paper","label":"Average Number of Reviews per Paper","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"4","order":8,"name":"average_number_of_papers_per_reviewer","label":"Average Number of Papers per Reviewer","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"Yes","order":9,"name":"external_reviewers_involved","label":"External Reviewers Involved","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}},{"value":"The conference took place virtually due to the COVID-19 pandemic","order":10,"name":"additional_info_on_review_process","label":"Additional Info on Review Process","group":{"name":"ConfEventPeerReviewInformation","label":"Peer Review Information (provided by the conference organizers)"}}]}}