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A Review on Credit Card Default Modelling using Data Science

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Volume-5 | Issue-6

Last date : 26-Oct-2021

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A Review on Credit Card Default Modelling using Data Science


Harsh Nautiyal | Ayush Jyala | Dishank Bhandari



Harsh Nautiyal | Ayush Jyala | Dishank Bhandari "A Review on Credit Card Default Modelling using Data Science" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Special Issue | International Conference on Advances in Engineering, Science and Technology – 2021, May 2021, pp.22-28, URL: https://www.ijtsrd.com/papers/ijtsrd42461.pdf

In the last few years, credit card issuers have become one of the major consumer lending products in the U.S. as well as several other developed nations of the world, representing roughly 30% of total consumer lending (USD 3.6 tn in 2016). Credit cards issued by banks hold the majority of the market share with approximately 70% of the total outstanding balance. Bank’s credit card charge offs have stabilized after the financial crisis to around 3% of the outstanding total balance. However, there are still differences in the credit card charge off levels between different competitors.

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IJTSRD42461
Special Issue | International Conference on Advances in Engineering, Science and Technology – 2021, May 2021
22-28
IJTSRD | www.ijtsrd.com | E-ISSN 2456-6470
Copyright © 2019 by author(s) and International Journal of Trend in Scientific Research and Development Journal. This is an Open Access article distributed under the terms of the Creative Commons Attribution License (CC BY 4.0) (http://creativecommons.org/licenses/by/4.0)

International Journal of Trend in Scientific Research and Development - IJTSRD having online ISSN 2456-6470. IJTSRD is a leading Open Access, Peer-Reviewed International Journal which provides rapid publication of your research articles and aims to promote the theory and practice along with knowledge sharing between researchers, developers, engineers, students, and practitioners working in and around the world in many areas like Sciences, Technology, Innovation, Engineering, Agriculture, Management and many more and it is recommended by all Universities, review articles and short communications in all subjects. IJTSRD running an International Journal who are proving quality publication of peer reviewed and refereed international journals from diverse fields that emphasizes new research, development and their applications. IJTSRD provides an online access to exchange your research work, technical notes & surveying results among professionals throughout the world in e-journals. IJTSRD is a fastest growing and dynamic professional organization. The aim of this organization is to provide access not only to world class research resources, but through its professionals aim to bring in a significant transformation in the real of open access journals and online publishing.

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