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Title: :  Prediction analysis of risk using data mining classification models using dataset
PaperId: :  27436
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 4 2025
DUI:    16.0415/IJARIIE-27436
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Keerthana.PT JOHN INSTITUTE OF TECHNOLOGY
Ms. Sreelakshmy ST JOHN INSTITUTE OF TECHNOLOGY

Abstract

Computer Science
Risk Prediction, Data Mining, Classification Models, Predictive Analytics, Machine Learning, Supervised Learning, Risk Assessment, Model Evaluation, Dataset Analysis.
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%).

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IJARIIE 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 Volume 11 Issue 4 2025 Page 4012-4016
MLA 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 11.4(2025) : 4012-4016.
APA Keerthana.P, & Ms. Sreelakshmy S. (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.
Chicago 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.
Oxford 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, p. 4012-4016. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/Prediction_analysis_of_risk_using_data_mining_classification_models_using_dataset_ijariie27436.pdf (Accessed : 29 August 2025).
Harvard Keerthana.P, and Ms. Sreelakshmy S. (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. 4012-4016IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/Prediction_analysis_of_risk_using_data_mining_classification_models_using_dataset_ijariie27436.pdf (Accessed : 29 August 2025)
IEEE 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, Jul-Aug 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/Prediction_analysis_of_risk_using_data_mining_classification_models_using_dataset_ijariie27436.pdf [Accessed : 29 August 2025].
Turabian 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 [Online]. volume 11 number 4 (29 August 2025).
Vancouver 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 [Internet]. 2025 [Cited : 29 August 2025]; 11(4) : 4012-4016. Available from: https://ijariie.com/AdminUploadPdf/Prediction_analysis_of_risk_using_data_mining_classification_models_using_dataset_ijariie27436.pdf
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