A Hybrid Approach to Credit Risk Assessment Using Bill Payment Habits Data and Explainable Artificial Intelligence

Credit risk is one of the most important issues in the rapidly growing and developing finance sector. This study utilized a dataset containing real information about the bill payments of individuals who made transactions with a payment institution operating in Turkey. First, the transactions in the...

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Bibliographic Details
Main Authors: Cem Bulut, Emel Arslan
Format: Article
Language:English
Published: MDPI AG 2025-05-01
Series:Applied Sciences
Subjects:
Online Access:https://www.mdpi.com/2076-3417/15/10/5723
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