A longitudinal systematic review of credit risk assessment and credit default predictors

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dc.authorscopusid57207757176
dc.authorscopusid8672527800
dc.contributor.authorÇallı, Busra Alma
dc.contributor.authorCoşkun, Erman
dc.date.accessioned2022-02-15T16:57:27Z
dc.date.available2022-02-15T16:57:27Z
dc.date.issued2021
dc.departmentBakırçay Üniversitesien_US
dc.description.abstractThis study aims to reveal the predictors of individuals' financial behavior associated with credit default for accurate and reliable credit risk assessment. Within the scope of credit use research, a systematic review of 108 studies was performed. Among the reviewed studies, a fair number have analyzed the determinants of default and delinquency. A remarkable number has examined the factors affecting outstanding and problematic debt levels, and some have investigated the financial behavior in terms of responsibility, debt repayment, and credit misuse. A wide range of socioeconomic, demographic, psychological, situational, and behavioral factors was explored, and their role in predicting the investigated outcome domain at various time-points was analyzed. The main analysis techniques and mix of predictors in papers also differed based on different time periods. While the synthesis of findings revealed some strong and consistent predictors for each outcome variable, mixed results were obtained for some factors. Additionally, a cluster of new practices that includes a wide range of alternative factors to improve prediction accuracies were uncovered. Study findings revealed a paradigm shift regarding the use of non-traditional data sources, especially big data, and novel techniques.en_US
dc.identifier.doi10.1177/21582440211061333
dc.identifier.issn2158-2440
dc.identifier.issue4en_US
dc.identifier.scopus2-s2.0-85120456238en_US
dc.identifier.scopusqualityQ2en_US
dc.identifier.urihttps://doi.org/10.1177/21582440211061333
dc.identifier.urihttps://hdl.handle.net/20.500.14034/165
dc.identifier.volume11en_US
dc.identifier.wosWOS:000726523200001en_US
dc.identifier.wosqualityQ2en_US
dc.indekslendigikaynakWeb of Scienceen_US
dc.indekslendigikaynakScopusen_US
dc.language.isoenen_US
dc.publisherSage Publications Incen_US
dc.relation.journalSage Openen_US
dc.relation.publicationcategoryDiğeren_US
dc.rightsinfo:eu-repo/semantics/openAccessen_US
dc.subjectcredit risken_US
dc.subjectcredit default predictionen_US
dc.subjectdigital lendingen_US
dc.subjectdigital risk managementen_US
dc.subjectNon-Performing Loansen_US
dc.subjectConsumer-Crediten_US
dc.subjectCard Debten_US
dc.subjectBankruptcy Predictionen_US
dc.subjectHousehold Debten_US
dc.subjectGoogle Scholaren_US
dc.subjectSelf-Controlen_US
dc.subjectCollegeen_US
dc.subjectInformationen_US
dc.subjectAttitudesen_US
dc.titleA longitudinal systematic review of credit risk assessment and credit default predictorsen_US
dc.typeReview Articleen_US

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