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
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