Explainable AI based LightGBM prediction model to predict default borrower in social lending platform

This paper proposes an explainable AI (XAI)-based prediction model utilizing the LightGBM algorithm to predict the likelihood of borrower default on a social lending platform. The dataset used in this study was obtained from Lending Club and consisted of various borrower characteristics and loan fea...

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Principais autores:	Li-Hua Li, Alok Kumar Sharma, Sheng-Tzong Cheng
格式:	Artigo
語言:	Inglês
出版:	Elsevier 2025-06-01
叢編:	Intelligent Systems with Applications
主題:	Social lending Credit risk prediction Machine learning Explainable AI Recursive feature elimination
在線閱讀:	http://www.sciencedirect.com/science/article/pii/S2667305325000407
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