Credit-scoring systems must translate predictive risk into calibrated, uncertainty-aware, and governable decisions rather than ranking applicants alone. This study aims to develop and evaluate a governed credit-scoring architecture integrating predictive performance, probability quality, uncertainty, and governance wit...
Nasser Khalili, Alireza Saleh Sedghpour, M. Jahanbakht et al.· Machine Learning and Knowled...· 0 citations
The findings reveal a clear methodological shift from rule-based and econometric approaches toward deep learning, multi-agent reinforcement learning, and simulation-driven decision systems, and show that data-intensive and platform-mediated sectors are becoming increasingly prominent in the development and application...
Dervis Ozay, M. Jahanbakht, Shouyi Wang· Journal of Theoretical and A...· 0 citations
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