Muraleedharakumar, Dipukumar2022-01-192022-01-192021-05-01https://hdl.handle.net/1920/12218In order for the banks to grow, the banks need people, and the people need banks for its money. It's a very simple complex but yet simple relationship. Think of it as one hand washes the other. Institutions such as banks can only become bigger if they are able to profit and capitalize from the interest it gains from its borrowers. To accomplish this goal, it boils down to the bank's ability to provide loans and manage which of its customers are a credit risk. So, in theory, based on the customer's credit score, the banks will determine who is a defaulter or non-defaulter by using it credit scoring analysis.Attribution-NonCommercial-NoDerivs 3.0 United StatesFinanceTrustMachine learningDiscriminationWorking Paper