Hand D.J.

D.J. Hand

Information about the author D.J. Hand will soon be added to the site.
Found 9 papers in total
A survey of the issues in consumer credit modelling research
A survey of the issues in consumer credit modelling research
2005
Methods for assessing the credit risk when lending to consumers have been in operation...
Good practice in retail credit scorecard assessment
Good practice in retail credit scorecard assessment
2005
In retail banking, predictive statistical models called ‘scorecards’ are...
Direct versus indirect credit scoring classifications
Direct versus indirect credit scoring classifications
2002
We introduce a new approach to assigning bank account holders to ‘good’ or...
Lookahead scorecards for new fixed term credit products
Lookahead scorecards for new fixed term credit products
2001
Standard approaches to scorecard construction require that a body of data has already...
Mining for classes and patterns in behavioural data
Mining for classes and patterns in behavioural data
2001
In this paper we compare and contrast the new data mining activity of pattern search...
Can reject inference ever work?
Can reject inference ever work?
1993
The true good/bad status of applicants accepted for credit is ultimately known....
Credit scoring with uncertain class definitions
Credit scoring with uncertain class definitions
1999
In credit-granting operations, the definition of what is meant by a ‘good’...
Graphical models of applicants for credit
Graphical models of applicants for credit
1997
Graphical models are a class of statistical tools which have recently undergone...
Construction of a k-nearest-neighbour credit-scoring system
Construction of a k-nearest-neighbour credit-scoring system
1997
This paper describes the construction of a credit-scoring system using the k...
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