Transparent Decision Support System for Credit Risk Evaluation: An automated credit approval system

2020 ◽  
Author(s):  
Abhinaba Dattachaudhuri ◽  
Saroj Biswas ◽  
Sunita Sarkar ◽  
Arpita Nath Boruah
Keyword(s):  
Decision Support ◽  
Decision Support System ◽  
Credit Risk ◽  
Support System ◽  
Risk Evaluation

scholarly journals AN IDIOSYNCRATIC DECISION SUPPORT SYSTEM FOR CREDIT RISK ANALYSIS OF SMALL AND MEDIUM-SIZED ENTERPRISES

2015 ◽  
Vol 22 (4) ◽  
pp. 598-616 ◽  
Author(s):  
Tânia S. H. GONÇALVES ◽  
Fernando A. F. FERREIRA ◽  
Marjan S. JALALI ◽  
Ieva MEIDUTĖ-KAVALIAUSKIENĖ
Keyword(s):  
Decision Support ◽  
Decision Support System ◽  
Credit Risk ◽  
Support System ◽  
Cognitive Mapping ◽  
Multiple Criteria Decision Making ◽  
Multiple Criteria ◽  
Trade Offs ◽  
Credit Risk Analysis ◽  
Mapping Techniques

Small and medium-sized enterprises (SMEs) are currently considered an important driving force of economic growth. Several studies have been developed to analyse this issue and, in particular, to assess the credit risk of SMEs. Most of these applications, however, share the same methodological limitations, such as the manner by which criteria are selected, or the methods used for calculating the weights between them. Based on the integrated use of cognitive mapping techniques and the Interactive Multiple Criteria Decision Making (TODIM) approach, this study aims to create an idiosyncratic decision support system for the identification of multiple criteria and the calculation of their respective weights (i.e. the trade-offs) in the evaluation of SME credit risk. The results show that the model created in this study allows for simple and straightforward credit concession decisions, facilitating the evaluation of SME credit applications through more informed and transparent risk assessments. Practical implications, strengths and weaknesses of the proposed framework are analysed and discussed.

Decision Support System for Credit Risk Management

2019 ◽  
Vol 11 (2) ◽  
pp. 18-31
Author(s):  
Mehmet Resul Bilginci ◽  
Gamze Ogcu Kaya ◽  
Ali Turkyilmaz
Keyword(s):  
Decision Support ◽  
Decision Support System ◽  
Credit Risk ◽  
Support System ◽  
Banking Sector ◽  
Banking System ◽  
Model Parameters ◽  
Credit Risk Management ◽  
System A ◽  
Statistical Metrics

Risk is an integrated part of the banking functions, which cannot be eliminated completely but it can be reduced by employing appropriate techniques. Credit processing is one of the core functions in the banking system, and its performance is closely related to management of the risks. The aim of this article is to develop a credit scorecard model which can be used as decision support system. A logistic regression with stepwise selection method is used to estimate the model parameters. The data that is used to construct the credit scorecard model is obtained from one of the pioneering banks in Turkish Banking Sector. The performance of the developed model is tested using statistical metrics including Receiver Operator Characteristic (ROC) curve and Gini statistics. The result reveals that the model performs well and it can be used as a decision support system for managing the credit risk by managers of the banks.

scholarly journals Environment for Planning Unmanned Aerial Vehicles Operations

Aerospace ◽  
2019 ◽  
Vol 6 (5) ◽  
pp. 51
Author(s):  
Claudio Pascarelli ◽  
Manuela Marra ◽  
Giulio Avanzini ◽  
Angelo Corallo
Keyword(s):  
Decision Support ◽  
Decision Support System ◽  
Unmanned Aerial Vehicles ◽  
Support System ◽  
Risk Evaluation ◽  
Route Planning ◽  
Decision Makers ◽  
Aerial Vehicles ◽  
Operational Phase ◽  
Definition Of

Planning and executing missions in terms of trajectory generation are challenging problems in the operational phase of unmanned aerial vehicles (UAVs) lifecycle. The growing adoption of UAVs in several civil applications requires the definition of precise procedures and tools to safely manage UAV missions that may involve flight over populated areas. The paper aims at providing a contribution toward the definition of a reliable environment, called FLIP (flight planner) for route planning and risk evaluation in the framework of mini- and micro-UAV missions over populated areas. The environment represents a decision support system (DSS) for UAV operators and other decision makers, like airports authorities and aviation agencies. A new ICT tool integrating an innovative procedure for evaluating the risk related to the use of UAV over populated areas is proposed.

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