The document analyzes variables associated with the interest rate of loans. It uses a dataset of peer-to-peer loans to build a multiple linear regression model relating interest rate to applicant characteristics. These include FICO score, amount requested, amount loaned, debt-to-income ratio, number of open credit lines, outstanding credit balances, credit inquiries, and loan length. The model fits the data well (R-squared = 0.7942) and finds a strong association between interest rate and FICO score in particular. The analysis identifies key variables for determining loan interest rates.
Exploratory Data Analysis Bank Fraud Case StudyLumbiniSardare
The Purpose is to optimize the lead scoring mechanism based on their fit,demographics,behaviors,buying tendency etc. By implementing explicit & Implicit lead scoring modelling with lead point system.
This case study aims to identify patterns which indicate if a client has difficulty paying their installments which may be used for taking actions such as denying the loan, reducing the amount of loan, lending (to risky applicants) at a higher interest rate, etc. This will ensure that the consumers capable of repaying the loan are not rejected. Identification of such applicants using EDA is the aim of this case study.
Predicting Credit Card Defaults using Machine Learning AlgorithmsSagar Tupkar
This is a project that I worked on as a Capstone for my Masters in Business Analytics program at the University of Cincinnati. In this project, I have performed an end-to-end data mining exercise including data cleaning, distribution analysis, exploratory data analysis, model building etc. to identify and predict Credit Card defaults using Customer's data on past payments and general profile. In the process for building Machine Learning models, I have fit and compared the performance of multiple models and algorithms like Logistic Regreesion, PCA, Classification tree, AdaBoost Classifier, ANN and LDA.
Exploratory Data Analysis Bank Fraud Case StudyLumbiniSardare
The Purpose is to optimize the lead scoring mechanism based on their fit,demographics,behaviors,buying tendency etc. By implementing explicit & Implicit lead scoring modelling with lead point system.
This case study aims to identify patterns which indicate if a client has difficulty paying their installments which may be used for taking actions such as denying the loan, reducing the amount of loan, lending (to risky applicants) at a higher interest rate, etc. This will ensure that the consumers capable of repaying the loan are not rejected. Identification of such applicants using EDA is the aim of this case study.
Predicting Credit Card Defaults using Machine Learning AlgorithmsSagar Tupkar
This is a project that I worked on as a Capstone for my Masters in Business Analytics program at the University of Cincinnati. In this project, I have performed an end-to-end data mining exercise including data cleaning, distribution analysis, exploratory data analysis, model building etc. to identify and predict Credit Card defaults using Customer's data on past payments and general profile. In the process for building Machine Learning models, I have fit and compared the performance of multiple models and algorithms like Logistic Regreesion, PCA, Classification tree, AdaBoost Classifier, ANN and LDA.
The Influence of Solvency Ratio Decision on Rural Bank Dinar Pusaka In The Di...inventionjournals
The solvency ratio is a ratio that can be used to influence lending decisions on the BPR. This research purpose to test and find empirical evidence whether the Debt to Assets Ratio, Times Interest Earned Ratio, and Long-term Debt to Equity Ratio influence on lending decisions. The population useful for customers apply for credit to the BPR Dinar Pusaka in the district Sidoarjo. The sample in this research were selected using purposive sampling method until elected only 30 customers during the three periods, namely the year 2013 to 2015. Data analysis technique used is the logistic regression analysis. The research results show that Times Interest Earned Ratio variable does not affect the lending decisions. Meanwhile, the variable Debt to Assets Ratio and Long-term Debt to Equity Ratio influence on lending decisions
• Forecasted the Expected Credit Loss, over the lifetime of the mortgage. Built Loan-level PD Model using Markov Chain Transition Matrix and logistic regression with six transition states and validated them using backtesting.
A Holistic Approach to Property ValuationsCognizant
A brief guide to incorporating all available data, structured and unstructured, in the property valuation activity, by choosing key variables and running textual analysis.
Financial incentives and loan officer behavior: multitasking and allocation o...FGV Brazil
We investigate the implications of providing loan officers with a compensation structure that rewards loan volume and penalizes poor performance. Using a unique data set provided by a large international commercial bank, we examine the three main activities that loan officers perform: monitoring, origination, and screening. We find that when loan officers are at risk of losing their bonus, they increase monitoring and origination, but not screening effort. On the other hand, having lost a bonus in the previous period does not entail higher effort. We document unintended consequences of the incentive contract showing the incompleteness of such contracts.
Date: 2015
Authors:
Behr, Patrick Gottfried
Drexler, Alejandro
Gropp, Reint
Guettler, Andre
IEEE PROJECTS 2015
1 crore projects is a leading Guide for ieee Projects and real time projects Works Provider.
It has been provided Lot of Guidance for Thousands of Students & made them more beneficial in all Technology Training.
Dot Net
DOTNET Project Domain list 2015
1. IEEE based on datamining and knowledge engineering
2. IEEE based on mobile computing
3. IEEE based on networking
4. IEEE based on Image processing
5. IEEE based on Multimedia
6. IEEE based on Network security
7. IEEE based on parallel and distributed systems
Java Project Domain list 2015
1. IEEE based on datamining and knowledge engineering
2. IEEE based on mobile computing
3. IEEE based on networking
4. IEEE based on Image processing
5. IEEE based on Multimedia
6. IEEE based on Network security
7. IEEE based on parallel and distributed systems
ECE IEEE Projects 2015
1. Matlab project
2. Ns2 project
3. Embedded project
4. Robotics project
Eligibility
Final Year students of
1. BSc (C.S)
2. BCA/B.E(C.S)
3. B.Tech IT
4. BE (C.S)
5. MSc (C.S)
6. MSc (IT)
7. MCA
8. MS (IT)
9. ME(ALL)
10. BE(ECE)(EEE)(E&I)
TECHNOLOGY USED AND FOR TRAINING IN
1. DOT NET
2. C sharp
3. ASP
4. VB
5. SQL SERVER
6. JAVA
7. J2EE
8. STRINGS
9. ORACLE
10. VB dotNET
11. EMBEDDED
12. MAT LAB
13. LAB VIEW
14. Multi Sim
CONTACT US
1 CRORE PROJECTS
Door No: 214/215,2nd Floor,
No. 172, Raahat Plaza, (Shopping Mall) ,Arcot Road, Vadapalani, Chennai,
Tamin Nadu, INDIA - 600 026
Email id: 1croreprojects@gmail.com
website:1croreprojects.com
Phone : +91 97518 00789 / +91 72999 51536
DEVELOPING PREDICTION MODEL OF LOAN RISK IN BANKS USING DATA MINING mlaij
Nowadays, There are many risks related to bank loans, for the bank and for those who get the loans. The
analysis of risk in bank loans need understanding what is the meaning of risk. In addition, the number of
transactions in banking sector is rapidly growing and huge data volumes are available which represent
the customers behavior and the risks around loan are increased. Data Mining is one of the most motivating
and vital area of research with the aim of extracting information from tremendous amount of accumulated
data sets. In this paper a new model for classifying loan risk in banking sector by using data mining. The
model has been built using data form banking sector to predict the status of loans. Three algorithms have
been used to build the proposed model: j48, bayesNet and naiveBayes. By using Weka application, the
model has been implemented and tested. The results has been discussed and a full comparison between
algorithms was conducted. J48 was selected as best algorithm based on accuracy.
This paper examines the role of loan characteristics in mortgage default probability for different mortgage lenders in the UK. The accuracy of default prediction is tested with two statistical methods, a probit model and linear discriminant analysis, using a unique dataset of defaulted commercial loan portfolios provided by sixty-six financial institutions. Both models establish that the attributes of the underlying real estate asset and the lender are significant factors in determining default probability for commercial mortgages. In addition to traditional risk factors such as loan-to-value and debt servicing coverage ratio lenders and regulators should consider loan characteristics to assess more accurately probabilities of default.
The Influence of Solvency Ratio Decision on Rural Bank Dinar Pusaka In The Di...inventionjournals
The solvency ratio is a ratio that can be used to influence lending decisions on the BPR. This research purpose to test and find empirical evidence whether the Debt to Assets Ratio, Times Interest Earned Ratio, and Long-term Debt to Equity Ratio influence on lending decisions. The population useful for customers apply for credit to the BPR Dinar Pusaka in the district Sidoarjo. The sample in this research were selected using purposive sampling method until elected only 30 customers during the three periods, namely the year 2013 to 2015. Data analysis technique used is the logistic regression analysis. The research results show that Times Interest Earned Ratio variable does not affect the lending decisions. Meanwhile, the variable Debt to Assets Ratio and Long-term Debt to Equity Ratio influence on lending decisions
• Forecasted the Expected Credit Loss, over the lifetime of the mortgage. Built Loan-level PD Model using Markov Chain Transition Matrix and logistic regression with six transition states and validated them using backtesting.
A Holistic Approach to Property ValuationsCognizant
A brief guide to incorporating all available data, structured and unstructured, in the property valuation activity, by choosing key variables and running textual analysis.
Financial incentives and loan officer behavior: multitasking and allocation o...FGV Brazil
We investigate the implications of providing loan officers with a compensation structure that rewards loan volume and penalizes poor performance. Using a unique data set provided by a large international commercial bank, we examine the three main activities that loan officers perform: monitoring, origination, and screening. We find that when loan officers are at risk of losing their bonus, they increase monitoring and origination, but not screening effort. On the other hand, having lost a bonus in the previous period does not entail higher effort. We document unintended consequences of the incentive contract showing the incompleteness of such contracts.
Date: 2015
Authors:
Behr, Patrick Gottfried
Drexler, Alejandro
Gropp, Reint
Guettler, Andre
IEEE PROJECTS 2015
1 crore projects is a leading Guide for ieee Projects and real time projects Works Provider.
It has been provided Lot of Guidance for Thousands of Students & made them more beneficial in all Technology Training.
Dot Net
DOTNET Project Domain list 2015
1. IEEE based on datamining and knowledge engineering
2. IEEE based on mobile computing
3. IEEE based on networking
4. IEEE based on Image processing
5. IEEE based on Multimedia
6. IEEE based on Network security
7. IEEE based on parallel and distributed systems
Java Project Domain list 2015
1. IEEE based on datamining and knowledge engineering
2. IEEE based on mobile computing
3. IEEE based on networking
4. IEEE based on Image processing
5. IEEE based on Multimedia
6. IEEE based on Network security
7. IEEE based on parallel and distributed systems
ECE IEEE Projects 2015
1. Matlab project
2. Ns2 project
3. Embedded project
4. Robotics project
Eligibility
Final Year students of
1. BSc (C.S)
2. BCA/B.E(C.S)
3. B.Tech IT
4. BE (C.S)
5. MSc (C.S)
6. MSc (IT)
7. MCA
8. MS (IT)
9. ME(ALL)
10. BE(ECE)(EEE)(E&I)
TECHNOLOGY USED AND FOR TRAINING IN
1. DOT NET
2. C sharp
3. ASP
4. VB
5. SQL SERVER
6. JAVA
7. J2EE
8. STRINGS
9. ORACLE
10. VB dotNET
11. EMBEDDED
12. MAT LAB
13. LAB VIEW
14. Multi Sim
CONTACT US
1 CRORE PROJECTS
Door No: 214/215,2nd Floor,
No. 172, Raahat Plaza, (Shopping Mall) ,Arcot Road, Vadapalani, Chennai,
Tamin Nadu, INDIA - 600 026
Email id: 1croreprojects@gmail.com
website:1croreprojects.com
Phone : +91 97518 00789 / +91 72999 51536
DEVELOPING PREDICTION MODEL OF LOAN RISK IN BANKS USING DATA MINING mlaij
Nowadays, There are many risks related to bank loans, for the bank and for those who get the loans. The
analysis of risk in bank loans need understanding what is the meaning of risk. In addition, the number of
transactions in banking sector is rapidly growing and huge data volumes are available which represent
the customers behavior and the risks around loan are increased. Data Mining is one of the most motivating
and vital area of research with the aim of extracting information from tremendous amount of accumulated
data sets. In this paper a new model for classifying loan risk in banking sector by using data mining. The
model has been built using data form banking sector to predict the status of loans. Three algorithms have
been used to build the proposed model: j48, bayesNet and naiveBayes. By using Weka application, the
model has been implemented and tested. The results has been discussed and a full comparison between
algorithms was conducted. J48 was selected as best algorithm based on accuracy.
This paper examines the role of loan characteristics in mortgage default probability for different mortgage lenders in the UK. The accuracy of default prediction is tested with two statistical methods, a probit model and linear discriminant analysis, using a unique dataset of defaulted commercial loan portfolios provided by sixty-six financial institutions. Both models establish that the attributes of the underlying real estate asset and the lender are significant factors in determining default probability for commercial mortgages. In addition to traditional risk factors such as loan-to-value and debt servicing coverage ratio lenders and regulators should consider loan characteristics to assess more accurately probabilities of default.
# Project 03 - Data Mining on Financial Data
In this project, various models like Logistic Regression, KNN, SVM, and Random Forest have been applied to three finance-related datasets in order to discover the insights from the datasets. The methods will be applied to the datasets in R studio and corresponding outputs will be shown in this paper. Then the applied methods will be compared with each other to identify how well the method is performing on each of the datasets and then finally the better method will be chosen for each of the datasets. The methods were explained in detail along with their advantages with the help of the information from the relevant papers. Every method which has been applied to the datasets has been confirmed whether it follows the data mining methodologies. Data mining methodologies like CRISP-DM, KDD and SEMMA will also be explained in detail via this paper. The process flow of the data mining methodologies will be explained and also will be made sure that whether the process flow has been followed while applying each method on the datasets. Data mining is now considered as a major factor in the risk management process of financial institutions. Even though various data mining tools are existing in the market, this paper allows readers to understand how the algorithm works on the dataset and how to justify whether an algorithm’s prediction.
https://ijitce.com/index.php
Our journal maintains rigorous peer review standards. Each submitted article undergoes a thorough evaluation by experts in the respective field. This stringent review process helps ensure that only high-quality and scientifically sound research is accepted for publication. Researchers can trust that the articles they find in IJITCE have been critically assessed for validity, significance, and originality.
Barclays - Case Study Competition | ISB | National FinalistNaveen Kumar
We were the National Finalist in the case study competition organized by ISB partnered with Barclays.
Our solution to Barclay's bank to increase its foray into the consumer lending bank using customer segmentation using clustering techniques - Multi factor cluster analysis on 1.5 Million credit profile datasets.
We identified profitable pools from our ML model which were then coupled with upcoming banking trends such as open banking to increase market share.
Using a Survival Model for Credit Risk Scoring and Loan Pricing Instead of XG...CFO Pro+Analytics
In the consumer lending space, fintech companies have innovated many aspects of the consumer experience. One of the biggest innovations has been the real-time approval of consumers for installment loans with borrowed cash hitting consumer bank accounts in an expedited and highly satisfying way.
Consumer Credit Scoring Using Logistic Regression and Random ForestHirak Sen Roy
Project Details: In this study, the concept and application of credit scoring in a German banking environment is
explained. A credit scoring model has been developed using logistic regression and random forest. Limitations of
the model are explained and possible solutions are given with an overview of LASSO.
Guide: Dr. Sibnarayan Guria, Associate Professor and Head of the Department, Department of
Statistics, West Bengal State University
Language Used: R
PROBABILISTIC CREDIT SCORING FOR COHORTS OF BORROWERSAndresz26
Este Working Paper relata sobre el nivel del riesgo crediticio, se debe reconocer que el riesgo de un grupo proviene de la diversidad de sus miembros, este libro propone una metodología para la aplicación de la medición del riesgo crediticio, y permite hacer un ranking de la población por su nivel de riesgo. La misma que realiza una distinción en los diferentes rankings de la población por su nivel de riesgo, y considerando en el ranking los riesgos de sus preferencias en sus decisiones realizadas.
http://www.udla.edu.ec/
Data Analysis. Predictive Analysis. Activity Prediction that a subject perfor...Guillermo Santos
Recently, our lives are invaded by small mobile devices, known as smartphones. These devices are mobile mini-computers, they have an operating system that allows it to launch applications, include a set of applications to manage contacts and address book, to create, edit or view different types of documents, to access or browse the Web, too provide us telephony or messaging services, etc. Apart from these previous features, the most of the smartphones have currently begun to incorporate other features such as cameras, GPS and various types of sensors.
In this analysis, we used data obtained from the accelerometer [1] and gyroscope[2] sensor signals of the smartphones. The accelerometer and gyroscope sensors measure 3-axial linear acceleration and 3-axial angular velocity, with these two sensors can monitor device acceleration, positions, orientation, rotation and angular motion. All these data can be stored and used to recognize a user’s activity. Here we refer to physical activities that a human person can perform daily such as walking, walking up, jogging, sitting, laying, etc.
The aim of this analysis consisted of perform a classification’s task. We took a dataset with their attributes (acceleration, orientation,…) and its labeled variable (in this case is activity), and later we created various classification’s models also known classifiers. To create these classification’s models we can use various algorithms of classification. These algorithms use all available information of a dataset to help us to classify or predict that activity is performed by a human person.
To create models of classification (models of classification), we performed a first task that consisted of choose different algorithms or techniques of classification, then for each algorithm or technique of classification we applied what is called cross-validation [3], that is, we trained these algorithm with a set of training data that corresponds to several observations of our available dataset. The following task was tested our classification’s algorithm to observe the accuracy, that is, if our predictive model can classify correctly a human’s activity according to the acquired knowledge in the stage of training. This whole process is known as supervised learning [4].
Conocer las diferencias entre los distintos algoritmos de aprendizaje automático.Utilizar una herramienta para minería de datos y comparar varios algoritmos de aprendizaje automático. Para ello vamos a trabajar con la herramienta RapidMiner.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
Le nuove frontiere dell'AI nell'RPA con UiPath Autopilot™UiPathCommunity
In questo evento online gratuito, organizzato dalla Community Italiana di UiPath, potrai esplorare le nuove funzionalità di Autopilot, il tool che integra l'Intelligenza Artificiale nei processi di sviluppo e utilizzo delle Automazioni.
📕 Vedremo insieme alcuni esempi dell'utilizzo di Autopilot in diversi tool della Suite UiPath:
Autopilot per Studio Web
Autopilot per Studio
Autopilot per Apps
Clipboard AI
GenAI applicata alla Document Understanding
👨🏫👨💻 Speakers:
Stefano Negro, UiPath MVPx3, RPA Tech Lead @ BSP Consultant
Flavio Martinelli, UiPath MVP 2023, Technical Account Manager @UiPath
Andrei Tasca, RPA Solutions Team Lead @NTT Data
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
SAP Sapphire 2024 - ASUG301 building better apps with SAP Fiori.pdfPeter Spielvogel
Building better applications for business users with SAP Fiori.
• What is SAP Fiori and why it matters to you
• How a better user experience drives measurable business benefits
• How to get started with SAP Fiori today
• How SAP Fiori elements accelerates application development
• How SAP Build Code includes SAP Fiori tools and other generative artificial intelligence capabilities
• How SAP Fiori paves the way for using AI in SAP apps
Key Trends Shaping the Future of Infrastructure.pdfCheryl Hung
Keynote at DIGIT West Expo, Glasgow on 29 May 2024.
Cheryl Hung, ochery.com
Sr Director, Infrastructure Ecosystem, Arm.
The key trends across hardware, cloud and open-source; exploring how these areas are likely to mature and develop over the short and long-term, and then considering how organisations can position themselves to adapt and thrive.
A tale of scale & speed: How the US Navy is enabling software delivery from l...sonjaschweigert1
Rapid and secure feature delivery is a goal across every application team and every branch of the DoD. The Navy’s DevSecOps platform, Party Barge, has achieved:
- Reduction in onboarding time from 5 weeks to 1 day
- Improved developer experience and productivity through actionable findings and reduction of false positives
- Maintenance of superior security standards and inherent policy enforcement with Authorization to Operate (ATO)
Development teams can ship efficiently and ensure applications are cyber ready for Navy Authorizing Officials (AOs). In this webinar, Sigma Defense and Anchore will give attendees a look behind the scenes and demo secure pipeline automation and security artifacts that speed up application ATO and time to production.
We will cover:
- How to remove silos in DevSecOps
- How to build efficient development pipeline roles and component templates
- How to deliver security artifacts that matter for ATO’s (SBOMs, vulnerability reports, and policy evidence)
- How to streamline operations with automated policy checks on container images
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Generative AI Deep Dive: Advancing from Proof of Concept to ProductionAggregage
Join Maher Hanafi, VP of Engineering at Betterworks, in this new session where he'll share a practical framework to transform Gen AI prototypes into impactful products! He'll delve into the complexities of data collection and management, model selection and optimization, and ensuring security, scalability, and responsible use.
Welocme to ViralQR, your best QR code generator.ViralQR
Welcome to ViralQR, your best QR code generator available on the market!
At ViralQR, we design static and dynamic QR codes. Our mission is to make business operations easier and customer engagement more powerful through the use of QR technology. Be it a small-scale business or a huge enterprise, our easy-to-use platform provides multiple choices that can be tailored according to your company's branding and marketing strategies.
Our Vision
We are here to make the process of creating QR codes easy and smooth, thus enhancing customer interaction and making business more fluid. We very strongly believe in the ability of QR codes to change the world for businesses in their interaction with customers and are set on making that technology accessible and usable far and wide.
Our Achievements
Ever since its inception, we have successfully served many clients by offering QR codes in their marketing, service delivery, and collection of feedback across various industries. Our platform has been recognized for its ease of use and amazing features, which helped a business to make QR codes.
Our Services
At ViralQR, here is a comprehensive suite of services that caters to your very needs:
Static QR Codes: Create free static QR codes. These QR codes are able to store significant information such as URLs, vCards, plain text, emails and SMS, Wi-Fi credentials, and Bitcoin addresses.
Dynamic QR codes: These also have all the advanced features but are subscription-based. They can directly link to PDF files, images, micro-landing pages, social accounts, review forms, business pages, and applications. In addition, they can be branded with CTAs, frames, patterns, colors, and logos to enhance your branding.
Pricing and Packages
Additionally, there is a 14-day free offer to ViralQR, which is an exceptional opportunity for new users to take a feel of this platform. One can easily subscribe from there and experience the full dynamic of using QR codes. The subscription plans are not only meant for business; they are priced very flexibly so that literally every business could afford to benefit from our service.
Why choose us?
ViralQR will provide services for marketing, advertising, catering, retail, and the like. The QR codes can be posted on fliers, packaging, merchandise, and banners, as well as to substitute for cash and cards in a restaurant or coffee shop. With QR codes integrated into your business, improve customer engagement and streamline operations.
Comprehensive Analytics
Subscribers of ViralQR receive detailed analytics and tracking tools in light of having a view of the core values of QR code performance. Our analytics dashboard shows aggregate views and unique views, as well as detailed information about each impression, including time, device, browser, and estimated location by city and country.
So, thank you for choosing ViralQR; we have an offer of nothing but the best in terms of QR code services to meet business diversity!
Dev Dives: Train smarter, not harder – active learning and UiPath LLMs for do...UiPathCommunity
💥 Speed, accuracy, and scaling – discover the superpowers of GenAI in action with UiPath Document Understanding and Communications Mining™:
See how to accelerate model training and optimize model performance with active learning
Learn about the latest enhancements to out-of-the-box document processing – with little to no training required
Get an exclusive demo of the new family of UiPath LLMs – GenAI models specialized for processing different types of documents and messages
This is a hands-on session specifically designed for automation developers and AI enthusiasts seeking to enhance their knowledge in leveraging the latest intelligent document processing capabilities offered by UiPath.
Speakers:
👨🏫 Andras Palfi, Senior Product Manager, UiPath
👩🏫 Lenka Dulovicova, Product Program Manager, UiPath
1. IT
[1]@gsantosgo
Information Tecnology
Information Tecnology
Data Analysis
Title: What are the variables associated with the interest rate of a loan?
Identification and quantification associated variables.
Introduction:
Who didn't apply for a loan from a bank? How much data did you have to provide to the bank about you? ,..
Imagine foramomentthat you wantto be abankeroryou wantto lendmoney to people. The firstquestion could
be: How will I determine the interest rate of aloan foran applicant?, the secondquestion couldbe: Whatare the
variables associated with the interest of a loan?, and the third question could be: How can we identify and
quantifythevariablesassociatedwiththeinterestofaloan?
In this analysis, the interest rate is our response variable, and the result of this variable depends on one or more
independent variables. In our case, we have several explanatory variables about each applicant such as the
amountof money requestedinthe loanapplication, the amountof money loanedto the individual, the termof the
loan (time), the number of open lines of credit the applicant had at the time of application, the duration of
employed time at current job, the monthly income of the applicant, the measure of the creditworthiness of the
applicant,…
The interest rate of a loan depends on the level of the applicant´s risk, that is if an applicant has good monthly
income, agoodmeasure of creditworthiness,… thenthisapplicantwill have lessriskof non-paymentitsloanand
thereforetheinterestratewill belowerthananapplicanthasmoreriskofnon-payment.
So, in this analysis we performed a study to understand the associations or the relationships of the various
available variablesinthe datasetthatcanhelpusto determine the interestof loan. We usedexploratory analysis
to understand better the data of data set and get intimately familiar with them. We performed basic data
summaries and visualization (by plotting), and we could detect trends, patterns, anomalies and outliers. Using
multiple regression methods we obtained a regression model that could us there are significant relationship
betweenthe interestrate of loanandseveral associatedvariablessuchasthe amount(indollars)requestedinthe
loan application, the amount(indollars) loanedto the individual, the percentage of consumer’sgross income that
goestowardpaying debts [1], thenumberof openlinesofthecreditof the applicant, thetotal amountoutstanding
all lines of credit [2], the number of authorizedqueries about applicant creditworthiness in the term of 6 months
[3], thetermofloan(inmonths) andtheFICO score[4](themeasureofthecreditworthinessoftheapplicant).
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Methods:
DataCollection
Forthisanalysiswe usedadatasetonpeer-to-peerloansissuedthroughthe platformLending Club[5]. Thisdata
set contains information of people applying for a loan such as the duration of employed time at current job, the
measure of their creditworthiness (FICO Score), their monthly incomes,… which are used to determine the
associated interest rate to a loan. The data were downloaded from coursera.org [6]in Data Analysis Course on
February13, 2013 using theR programming language.
ExploratoryAnalysis
Exploratory analysis was performed by examining tables and plots of the observed data. We identified
transformations to perform on the raw data on the basis of plots and knowledge of the scale of measured
variables. Exploratoryanalysiswasusedto(1)identify missing values, (2)verify thequality ofthedata, (3)perform
transformationsof the skeweddistributionsand(4) determine the termsusedinthe regressionmodel relating the
interestrateandotherassociatedvariables.
Statistical Modeling
To identify and quantify the association between the interest rate of a loan and other variables, we performed a
standard multivariate linear regression model [7]. Model selection was performed on the basis of our exploratory
analysisandpriorknowledgeoftherelationshipbetweentheamount(indollars)requestedintheloanapplication,
the amount (in dollars) loaned to the individual, the percentage of consumer’s gross income that goes toward
paying debts, the numberof openlinesof the creditthe applicant, the total amountoutstanding all linesof credit,
the number of authorized queries about applicant creditworthiness in the term of 6 months, the term of loan (in
months) and the FICO score (the measure of the creditworthiness of the applicant). Coefficients were estimated
withordinaryleastsquaresandstandarderrorswerecalculatedusing standardasymptotic approximations[8][9].
Reproducibility
All analysesperformedinthismanuscriptarereproducedintheR markdownfileloansLendingClubFinal.Rmd[10].
Note. Due to security concerns with the exchange of R code, we don’t submit code to reproduce analysis, in this
dataanalysis.
Results:
Thesampleofloansdatausedinthisanalysisisatotal size2500 observationswith14variablesthatcontainsthe
following information, theamountofmoney (indollars)requestedintheloanapplication(Amount.Requested),
theamountofmoney (indollars)loanedtotheindividual (Amount.Funded.By.Investors), thelending interestrate
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(Interest.Rate), thelengthoftime(inmonths)oftheloan(Loan.Length), thepurposeoftheload(Loan.Purpose),
thepercentageofconsumer’sgrossincomethatgoestowardpaying debts[1](Debt.To.Income.Ratio), the
abbreviationfortheU.S. stateofresidenceoftheloanapplicant[11](State), avariableindicating whetherthe
applicantowns, rents, orhasamortgageontheirhome(Home.Ownership), themonthly income(indollars)ofthe
applicant, arangeindicating theapplicantsFICO score[4](FICO.Range), thenumberofopenlinesofcreditthe
applicanthadatthetimeofapplication(Open.CREDIT.Lines), thetotal amountoutstanding all linesofcredit[2]
(Revolving.CREDIT.Balance), thenumberofinquiresaboutthecreditworthinessoftheapplicantinthetermof6
monthsbeforetheloanwasissued [3](Inquiries.in.the.Last.6.Months)andthedurationofemployedtimeat
currentjob(Employment.Length). Weeliminatedmissing valuesinthedataset, specifically therewereseven
missing values(NA)thataffectedonlytworows. Therewerealsoincorrectdatainobservationsrelatedtothe
amount(indollars)loaned(Amount.Funded.By.Investors)withvaluesof0.0 and-1.0, wecorrectedthesevalues
withthesamevalueastheamount(indollars)requested(Amount.Requested). Inthedurationofemployedtime
(Employment.Length), wefoundrowsinthedatasetwith"n/a" valuesandherewedidn'tdoanything onthem.
Too, duetodetectedoutliersforthemonthlyincomeandthetotal amountoutstanding ofall linecreditvariables,
weremovedinvolvedrows.
Thedistributionsoftheamountrequested, theamountloaned, themonthly income, thenumberofopenlinesof
creditandthetotal amountoutstanding all linesofcreditwereright-skewed, weperformedtransformations
(log10)onthesevariablestoimprovetheirnormality. Inthecaseofthenumberofauthorizedqueriesintheterm
of6monthsweappliedonatransformationofsquaredroot(sqrt)type, becauseitisacountvariable.
Afterweperformedalotregressionmodelsforthisdataset, ourfinal regressionmodel was:
Term Description
b0 Intercept
b1 The change in the interest rate of loan with a change of 1 unit in log base 10 dollars for the amount requested in the
loan
b2 The change in the interest rate of loan with a change of 1 unit in log base 10 dollars for the amount loaned to the
individual
b3 Thechangeintheinterestrateof loanwithachangeof1 unitinlog base 10 percentforthepercentageofconsumer’s
grossincome
b4 Thechangeintheinterestrateofloanwithachangeof 1unitinlog base 10 unitsforthe numberopenlines
b5 The change in the interest rate of loan with a change of 1 unit in log base dollars for the total amount outstanding all
linesofcredit
b6 The change in the interest rate of loan with a change of 1 unit in squared root units for the number of authorized
queries
f(Loan.Length) Representfactormodels(thelengthoftimeoftheloan) with2 levels(36monthsand60 months)
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g(FICO.Range) Represent factor models (a range indicating the applicants FICO Score) with 36 levels (640-644, 645-649, …….
820-824and830-834)
e Termerror. Representsall sourcesofunmeasuredandunmodeledrandomvariationininterestrateofloan
Theresultofourmultiplelinearregressionmodel offersus, thelinearrelationshipbetweentheinterestrateand
all previoustermsthatarehighlystatisticallysignificant(p-value= 2.2e-16)andhowwell theregressionmodel
fitstheobserveddatais0.7942. Weobservedastrong associationbetweentheinterestrateandFICO score.
Conclusions:
Clearly, in this analysis, there is a strong association between the interest rate of a loan and the FICO Score
Range. To fit still better our regression model we included other variables such as the amount of money
requested, the amount of money loaned, the DTI (Debt To Income Ratio), the number of open lines of credit the
applicant, the total amountoutstanding all linesofcredit, thenumberof authorizedqueriesandthe lengthoftime
employed. We included these last variables in the our regression model, to get a high R-squared percentage
(around 80%) and highly statistically significant, in spite of what some included variables have association with
theinterestratelessthantheFICO ScoreRange.
References
[1]Debt-to-Incomeratio
http://en.wikipedia.org/wiki/Debt-to-income_ratio. Accessed 02/17/2013
[2]Revolving CreditBalance
http://www.ehow.com/about_7550001_revolving-credit-balance.html. Accessed 02/17/2013
[3]Inquiriesinthelast6months
http://www.myfico.com/crediteducation/creditinquiries.aspx. Accessed 02/17/2013
[4]FICO Score
http://en.wikipedia.org/wiki/Credit_score_in_the_United_States. Accessed 02/17/2013
[5]Lending Club
https://www.lendingclub.com/. Accessed 02/17/2013
[6]Datasetofloans
https://spark-public.s3.amazonaws.com/dataanalysis/loansData.csv. Accessed02/17/2013
[7]Jank, Wolfgang. BusinessAnalyticsforManagers. Springer, 2011
[8]Ferguson, ThomasS. ACourseinLargeSampleTheory: TextsinStatistical Science. Vol.l 38. Chapman&
Hall/CRC, 1996.
[9]Shahbaba, Babak. BiostatisticswithR. AnIntroductiontoStatisticsThroughBiological Data. Springer, 2012
[10]R MarkdownPage.
http://www.rstudio.com/ide/docs/authoring/using_markdown. Accessed02/13/2013
[11]TheabbreviationforU.S. state
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http://www.50states.com/abbreviations.htm#.USHpnWd1z2R. Accessed 02/17/2013
Figure 1 (a) Plot of fitted regression model relating log base Interest Rate and 10 Amount Request (Included
confidence bands). (b) Plot fitted regression model relating Interest Rate and FICO Score Range (Included
confidence bands). (c) Plot of fitted regression model relating Interest Rate and Debt To Income (Included
confidencebands). (d) A lotoftheresidualslinearregressionmodel relating fittedvalues.