no code implementations • 1 Jun 2023 • Giacomo De Giorgi, Costanza Naguib
Soft default, defined as a delinquency of 90 days or more, is a relatively common event in the credit market, in 2010 such episodes affected about 3 million individuals.
no code implementations • 5 Nov 2021 • Giacomo De Giorgi, Matthew Harding, Gabriel Vasconcelos
Data on hundreds of variables related to individual consumer finance behavior (such as credit card and loan activity) is routinely collected in many countries and plays an important role in lending decisions.