Credit scoring models must balance global discrimination, minority-class detection, probability quality, and computational efficiency, particularly when default cases are less frequent than non-default cases. This study benchmarks Logistic Regression, Random Forest, XGBoost, and a Multilayer Perceptron using the German...
Rino, Aditiya Hermawan, Elfindah Princes et al.· Journal of Information Syste...· 0 citations
Overall, integrating cost-sensitive learning, threshold optimization, and explainability improved model interpretability and practical utility for evidence-based HR decision-making processes in employee retention management and planning.
Rudi Setiawan, G. T. Pranoto, Zed Abdullah et al.· Journal of Information Syste...· 0 citations
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