Title: Information asset analysis: credit scoring and credit suggestion

Authors: Fabio Silva; Cesar Analide

Addresses: Department of Informatics, University of Minho, Campus Gualtar, 4710-057 Braga, Portugal. ' Department of Informatics, University of Minho, Campus Gualtar, 4710-057 Braga, Portugal

Abstract: Risk assessment is important for financial institutions, especially in loan applications. Some have already implemented their own credit-scoring mechanisms to evaluate their clients| risk and make decisions based on this indicator. In fact, the data gathered by financial institutions is a valuable source of information to create information assets, from which credit-scoring mechanisms can be developed. The purpose of this paper is to create, from information assets, a decision mechanism that is able to evaluate a client|s risk. Furthermore, a suggestive algorithm is presented to better explain and give insights on how the decision mechanism values attributes.

Keywords: credit scoring; artificial intelligence; knowledge extraction; data mining; intelligent agents; multi-agent systems; MAS; agent-based systems; credit suggestion; information assets; financial risk assessment; loan applications; loans.

DOI: 10.1504/IJEB.2011.042542

International Journal of Electronic Business, 2011 Vol.9 No.3, pp.203 - 218

Published online: 16 Sep 2011 *

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