An optimised credit scorecard to enhance cut-off score determination

Background: Credit scoring is a statistical tool allowing banks to distinguish between good and bad clients. However, literature in the world of credit scoring is limited. In this article parametric and non-parametric statistical techniques that are used in credit scoring are reviewed.   Aim: To b...

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Bibliographic Details
Main Authors: Nico Kritzinger, Gary W. van Vuuren
Format: Article
Language:English
Published: AOSIS 2018-06-01
Series:South African Journal of Economic and Management Sciences
Subjects:
Online Access:https://sajems.org/index.php/sajems/article/view/1571