crossrefRisks2025-05-20Cited by 5
Comparing the Effectiveness of Machine Learning and Deep Learning Models in Student Credit Scoring: A Case Study in Vietnam
Nguyen Thi Hong Thuy, Nguyen Thi Vinh Ha, Nguyen Nam Trung, Vu Thi Thanh Binh, Nguyen Thu Hang, Vu The Binh
In emerging markets like Vietnam, where student borrowers often lack traditional credit histories, accurately predicting loan eligibility remains a critical yet underexplored challenge. While machine learning and deep learning techniques have shown promise in credit scoring, thei…