Enhancing credit scoring with alternative data
作者：
Highlights：
• Psychometrics and email usage predictors separate good and bad payers well.
• Relative performance of these variables in a credit scoring model is shown.
• Results may enable applicants who have not had credit before to gain credit.
• We use a dataset that has not been used in published work before.
摘要
•Psychometrics and email usage predictors separate good and bad payers well.•Relative performance of these variables in a credit scoring model is shown.•Results may enable applicants who have not had credit before to gain credit.•We use a dataset that has not been used in published work before.
论文关键词：Credit scoring,Alternative data,Banking risk.
论文评审过程：Received 21 January 2020, Revised 3 July 2020, Accepted 14 July 2020, Available online 25 July 2020, Version of Record 18 August 2020.
论文官网地址：https://doi.org/10.1016/j.eswa.2020.113766
