Forthcoming Articles

International Journal of Applied Pattern Recognition

International Journal of Applied Pattern Recognition (IJAPR)

Forthcoming articles have been peer-reviewed and accepted for publication but are pending final changes, are not yet published and may not appear here in their final order of publication until they are assigned to issues. Therefore, the content conforms to our standards but the presentation (e.g. typesetting and proof-reading) is not necessarily up to the Inderscience standard. Additionally, titles, authors, abstracts and keywords may change before publication. Articles will not be published until the final proofs are validated by their authors.

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International Journal of Applied Pattern Recognition (One paper in press)

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  • Oversampling and instance selection to predict credit risk   Order a copy of this article
    by Erwis Melchor-Pérez, José Fco. Martínez-Trinidad, J. Ariel Carrasco-Ochoa, Agustin Santiago-Alvarado 
    Abstract: Credit risk prediction is essential for financial institutions. Several studies have shown that oversampling and instance selection can improve credit risk prediction. However, the combination of these methods for credit risk prediction has been less studied. This paper conducts empirical research comparing the performance of the most widely used oversampling and instance selection methods and their combined use through successful supervised classifiers for credit risk prediction. The practical significance of our research is the assessment of the different options of application of oversampling and instance selection (including the combination of both that has not been studied before) in credit risk prediction under the same framework employing the most used standard-public data sets and one new dataset that allowed us to conclude which is the best option for credit risk prediction.
    Keywords: credit risk; instance selection; oversampling.
    DOI: 10.1504/IJAPR.2025.10073009
     

 

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