We analyze consumer defaults in a sample of 64 000 customers taking personal loans from a Korean bank. Applying a generalized additive modeling (GAM) framework, we show a nonlinear impact of loan and ...

Generalized additive models (GAMs) are commonly used in ecological research for their ability to model complex nonlinear relationships. However, assessing predictor importance in the presence of ...

Interpretability has drawn increasing attention in machine learning. Partially linear additive models provide an attractive middle ground between the simplicity of generalized linear model and the ...

Vanja Dukić, Mary Hayden, Abudulai Adams Forgor, Tom Hopson, Patricia Akweongo, Abraham Hodgson, Andrew Monaghan, Christine Wiedinmyer, Tom Yoksas, Madeleine C. Thomson, Sylwia Trzaska and Raj Pandya ...

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