2024-03-28T10:53:00Z
2019-08-31T21:00:00Z
http://ntmsci.com/CIWSN/ajaxtool/oai
oai:ntmsci.com/CIWSN/ajaxtool/oai:article/8541
2019-08-31T21:00:00Z
1
Comparative Analysis of Linear, Non Linear and Ensemble Machine LearningAlgorithms for Credit Worthiness of Consumers
David Oyewola, Emmanuel Dada, Oluwatosin Omotehinwa and Isa Ibrahim
Credit Worthiness, Consumers, Machine Learning, Ensemble Learning, Genetic Algorithms.
We apply machine-learning techniques to construct linear, non-linear and ensemble machine learning algorithms. The linear comprises of logistic regression(LR), linear discriminant analysis(LDA) and least absolute shrinkage and selection operator (LASSO) while non-linear comprises of support vector machine(SVM), neural network(NN) and decision tree while ensemble learning are boosting, bagging and weighted average. We compared linear, non-linear and ensemble learning using the entire feature in consumer credit data sets. In the first experiment, the study revealed that ensemble learning performs significantly well follow by non-linear and linear machine learning. In the second experiment, we use the selected features from genetic algorithms. It was observed that there was a slight improvement in the result obtained from some of the linear and non-linear machine learning but slight decrease in the result obtained from ensemble learning. The grading scale was used on the overall accuracy of area under the curve(AUROC) in which bagging and weighted average score between 90-100 grade and performs excellently well, boosting obtained 80-90 grade, support vector machine obtained 70-80 grade, logistic regression, linear discriminant analysis, neural network and decision tree obtained 60-70 grade and lasso performs worse with 50-60 grade.
Computational Intelligence & Wireless Sensor Network
Computational Intelligence & Wireless Sensor Network
2019-08-31T21:00:00Z
Research Article
application/pdf
http://ntmsci.com/ajaxtool/GetArticleByPublishedArticleId?PublishedArticleId=8541
ISSN: 2687-3710
http://ntmsci.com/ajaxtool/GetArticleByPublishedArticleId?PublishedArticleId=8541
Computational Intelligence & Wireless Sensor Network, Year:2019, Vol:1, Issue:1
http://ntmsci.com/ajaxtool/GetArticleByPublishedArticleId?PublishedArticleId=8541