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FabianaCampanari authored Oct 5, 2024
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Expand Up @@ -15,14 +15,13 @@ Credit card default prediction involves using analytical approaches, such as dat
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1. **Utilizing Alternative Variables**: Beyond traditional variables like income, assets, and payment history, incorporating geographical, behavioral, and consumption data can provide valuable insights into a customer's profile.
1. **Incorporating Alternative Variables**: Adding geographical, behavioral, and consumption data to traditional factors like income, assets, and payment history enhances customer profiling.

2. **Individual Credit Scoring**: Treating credit scores at an individual level to better assess risk.
2. **Individual Credit Scoring**: Evaluating credit scores on an individual basis for improved risk assessment.

3. **Behavioral Profile Analysis**: Analyzing customer behavior to predict potential defaults.

This approach helps financial institutions improve their credit granting processes and manage risk more effectively.
3. **Behavioral Profile Analysis**: Assessing customer behavior to forecast potential defaults.

This strategy enables financial institutions to refine their credit granting processes and manage risk more efficiently.


## **Table of Contents**
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