Mining multi-dimensional data for decision support
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TL;DR
A two-stage approach that combines decision trees and neural networks to predict personal bankruptcy using credit card data is described.
Abstract
Personal bankruptcy is an increasingly common yet little understood phenomenon. Attempts to predict bankruptcy have involved the application of data mining techniques to credit card data. This is a difficult problem, since credit card data is multi-dimensional, consisting of monthly account records and daily transaction records. In this paper, we describe a two-stage approach that combines decision trees and neural networks to predict personal bankruptcy using credit card data.