Researcher: Thanganedzo Beverly Mashamba, University Venda
Supervisor: Dr W Chagwiza, University of the Witwatersrand, Johannesburg
Lending money to customers, it is a good investment if the credit card is with a customer with good credit standing[1, 2]. Credit card applicants are usually subjected to thorough background checks before their applications are approved or declined. By doing so, banks ensure that their credit cards are issued only to clients with the proven ability to repay the credit. For banks to identify those customers who are not worthy of being given a credit card, they must have in place models that reliably predict any risky behavior on the part of those who apply for credit cards. This study uses the Random forest machine-learning algorithm to predict the customers who deserve to be given a credit cards.
