Loan Repayment

blogs

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A new framework to lend loans in a smarter way
Undoubtedly, loans are one of the major sources of income for banks and other related financial institutions. A loan helps the customers to meet their short term financial needs and the interest given by the customer is the way a bank makes a profit. At once it may seem that extending more loans can increase the profit of such financial institutions, however, laxity in granting loans can lead to more losses as many customers may default on the loan repayment.
By Aditi Jain
• Sep 13, 2021
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publications

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A Partial Parameter HMM Based Clustering on Loan Repayment Data: Insights into Financial Behavior and Intent to Repay

Dibu Philip, Nandan Sudarsanam, B Ravindran,

Proceedings of the 51st Hawaii International Conference on System Sciences

https://doi.org/10.24251/HICSS.2018.170
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Improved Insights on Financial Health through Partially Constrained Hidden Markov Model Clustering on Loan Repayment Data

Dibu John Philip, Nandan Sudarsanam, B Ravindran,

ACM SIGMIS Database: the DATABASE for Advances in Information Systems

https://doi.org/10.1145/3242734.3242741