Wide and deep learning for peer-to-peer lending

作者：

Highlights：

• A scoring approach is proposed in the context of peer-to-peer lending.

• The proposed approach helps lenders decide their fund allocations.

• The scoring approach is a two-stage model using wide and deep learning.

• Memorization and generalization are achieved in the prediction task.

摘要

•A scoring approach is proposed in the context of peer-to-peer lending.•The proposed approach helps lenders decide their fund allocations.•The scoring approach is a two-stage model using wide and deep learning.•Memorization and generalization are achieved in the prediction task.

论文关键词：Wide and deep learning,Peer-to-peer lending,Credit scoring,Profit scoring

论文评审过程：Received 31 January 2019, Revised 25 May 2019, Accepted 26 May 2019, Available online 29 May 2019, Version of Record 7 June 2019.

论文官网地址：https://doi.org/10.1016/j.eswa.2019.05.042