Golsan Hosseinzadeh-Bisafar

Structure-aware feature-to-image encoding with convolutional neural networks improves peer-to-peer credit default prediction compared with conventional tabular models

Abstract Background Peer-to-peer (P2P) lending has expanded rapidly, exposing individual investors to credit default risk typically absorbed by traditional bank intermediation. Methods This study proposes a hybrid deep learning framework for credit default prediction using 1,335,...