Explainable AI based LightGBM prediction model to predict default borrower in social lending platform

This paper proposes an explainable AI (XAI)-based prediction model utilizing the LightGBM algorithm to predict the likelihood of borrower default on a social lending platform. The dataset used in this study was obtained from Lending Club and consisted of various borrower characteristics and loan fea...

Full description

Bibliographic Details

Published in:	Intelligent Systems with Applications
Main Authors:	Li-Hua Li, Alok Kumar Sharma, Sheng-Tzong Cheng
Format:	Article
Language:	English
Published:	Elsevier 2025-06-01
Subjects:	Social lending Credit risk prediction Machine learning Explainable AI Recursive feature elimination
Online Access:	http://www.sciencedirect.com/science/article/pii/S2667305325000407