Journal of Korean Society for Quality Management (품질경영학회지)

Korean Society for Quality Management (한국품질경영학회)
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A Comparison of Classification Methods for Credit Card Approval Using R

R의 분류방법을 이용한 신용카드 승인 분석 비교

  • 송종우 (이화여자대학교 통계학과)
  • Published : 2008.03.31
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Abstract

The policy for credit card approval/disapproval is based on the applier's personal and financial information. In this paper, we will analyze 2 credit card approval data with several classification methods. We identify which variables are important factors to decide the approval of credit card. Our main tool is an open-source statistical programming environment R which is freely available from http://www.r-project.org. It is getting popular recently because of its flexibility and a lot of packages (libraries) made by R-users in the world. We will use most widely used methods, LDNQDA, Logistic Regression, CART (Classification and Regression Trees), neural network, and SVM (Support Vector Machines) for comparisons.

Keywords

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