Financial institutions need tools to help them decide in an effective and efficient way concerning time and incurred cost on granting loans to requesting clients. In this sense, credit scoring is a tool of unquestionable interest to those entities. In this paper, we deepen in this technique, propose a multivariate model and validate its usefulness over different samples.
LINK: credit-concession-through-credit-scoring-analysis-and-application-proposal-intangible-capital-2016