The AI ​​credit scoring system uses a machine learning (LightGBM) model to learn from credit data and quickly analyze credit risk. It predicts the likelihood of delinquency with highly accurate scoring, while verifying its accuracy with AUC and providing a rational explanation of risk factors using SHAP values.
This package includes sample data, programs, an instruction manual, and an environment setup guide, allowing users to customize the system to suit their needs.
Japanese Patent Application No. 2025-137163