title: Development of a Hybrid Credit Scoring Model for the Banking System
abstract: In developed countries, the existence of credit scoring agencies helps to reduce the credit risk of banks across the globe by ensuring their good credit scores through a variety of techniques, including the use of machine learning and artificial intelligence. Nevertheless, the banking system in poor and developing countries is plagued by a lack of the reputable agencies for credit scoring of customers. As a result, their banks tend to internalize scoring according to Basel II & III and their Cen
journal: Scientia Iranica