Author

Gulnaz Zakariya

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Open access Jul 2026

Big Data- and AI-Driven Hybrid Self-Attention Credit Scoring with Explainable Decisioning

This work proposes a tenure-stratified hybrid framework that couples an online weight-of-evidence logistic regression (WOE-LR) scorecard with an offline self-attention stacked ensemble whose calibrated PD is quantile-binned, WOE-encoded, and re-injected into the online scorecard as a single auditable predictor.

Gulnaz Zakariya, A. Moldagulova, Nor’ashikin Ali · Big Data and Cognitive Compu... · 0 citations

Open access Jul 2026

AI-Driven Hybrid Probability-of-Default Scoring with Self-Attention and Isotonic Calibration for Payroll-Anchored Retail Borrowers

Payroll-anchored retail borrowers—individuals whose monthly remuneration is routed into an account at the lending institution through a salary-project arrangement—constitute the volume backbone of unsecured consumer lending in Kazakhstan, generating the largest origination flow, the lowest realized default rate, and th...

Gulnaz Zakariya, A. Moldagulova, Nor’ashikin Ali · Applied Informatics · 0 citations