Prediction analysis of risk using data mining classification models using dataset

Keerthana.P; Ms. Sreelakshmy S

Prediction analysis of risk using data mining classification models using dataset

August 2025

Vol-11, Issue-4

Paper ID: 27436

ISSN: 2395-4396

Downloads: 0

Abstract & Details

Research Area

Computer Science

Keywords

Risk Prediction Data Mining Classification Models Predictive Analytics Machine Learning Supervised Learning Risk Assessment Model Evaluation Dataset Analysis.

Abstract

Credit scoring using predictive models can help in the process of assessing credit worthiness during the credit evaluation process. The objective of credit scoring models is to assign credit risk score to determine if a customer is likely to default on the financial obligation. Construction of credit scoring models requires data mining techniques. Using historical data on payments, demographic characteristics and statistical techniques, credit scoring models can help identify the important demographic characteristics related to credit risk and provide a score for each customer. This paper illustrates the construction and comparison of three credit scoring models: logistic regression (LR) model, classification and regression tree (CART) model and neural network (NN) model to discriminate between rejected and accepted credit card applicants of a bank. Results show that Neural Network model has a slightly higher validation predictive accuracy rate (LR = 74.56%, NN = 76.46%, CART = 73.66%).

License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author Information

#	Name	Institute / Affiliation
1	Keerthana.P	T JOHN INSTITUTE OF TECHNOLOGY
2	Ms. Sreelakshmy S	T JOHN INSTITUTE OF TECHNOLOGY

How to Cite

Use the following formats to cite this article in your research.

APA Style

Keerthana.P & S, Ms. Sreelakshmy (2025). Prediction analysis of risk using data mining classification models using dataset. International Journal of Advance Research and Innovative Ideas In Education, 11(4), 4012-4016.

MLA Style

Keerthana.P, and Ms. Sreelakshmy S. "Prediction analysis of risk using data mining classification models using dataset." International Journal of Advance Research and Innovative Ideas In Education, vol. 11, no. 4, 2025, pp. 4012-4016.

IEEE Style

Keerthana.P and Ms. Sreelakshmy S, "Prediction analysis of risk using data mining classification models using dataset," International Journal of Advance Research and Innovative Ideas In Education, vol. 11, no. 4, pp. 4012-4016, 2025.

Vancouver Style

Keerthana.P, S Ms. Sreelakshmy. Prediction analysis of risk using data mining classification models using dataset. International Journal of Advance Research and Innovative Ideas In Education. 2025;11(4):4012-4016.

Harvard Style

Keerthana.P & S, Ms. Sreelakshmy (2025) 'Prediction analysis of risk using data mining classification models using dataset', International Journal of Advance Research and Innovative Ideas In Education, 11(4), pp. 4012-4016.

Chicago Style

Keerthana.P and Ms. Sreelakshmy S. "Prediction analysis of risk using data mining classification models using dataset." International Journal of Advance Research and Innovative Ideas In Education 11, no. 4 (2025): 4012-4016.

Turabian Style

Keerthana.P and Ms. Sreelakshmy S. "Prediction analysis of risk using data mining classification models using dataset." International Journal of Advance Research and Innovative Ideas In Education 11, no. 4 (2025): 4012-4016.