Machine Learning and Metaheuristics Approach for Individual Credit Risk Assessment: A Systematic Literature Review

Machine Learning and Metaheuristics Approach for Individual Credit Risk Assessment: A Systematic Literature Review

Credit risk assessment plays a critical role in financial risk management, focusing on predicting borrower default to minimize losses and ensure compliance. This study systematically reviews 23 empirical articles published between 2019 and 2023, highlighting the integration of machine learning and o...

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Bibliographic Details
Main Authors: Álex Paz, Broderick Crawford, Eric Monfroy, José Barrera-García, Álvaro Peña Fritz, Ricardo Soto, Felipe Cisternas-Caneo, Andrés Yáñez
Format: Article
Language:English
Published: MDPI AG 2025-05-01
Series:Biomimetics
Subjects:
individual credit risk assessment
machine learning
metaheuristic
feature selection
bio-inspired algorithms
benchmark datasets
Online Access:https://www.mdpi.com/2313-7673/10/5/326
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