Chang, C. L. ve Chen, C. H.. (2008). Applying Decision Tree and Neural Net- work to Increase Quality of Dermatologic Diagnosis. Expert Systems with App- lications, 3(6): 4035-4041.
Chen, M. S., Han, J. ve Yu, P. S.. (1996). Data Mining: An Overview From a Database Perspective. IEEE Trans. Knowledge Data Engineering, 8(6): 866–883.
Chen, S. Y. ve Liu, X.. (2004). The Contribution of Data Mining to Informati- on Science. Journal of Information Science, 30(6): 550-558.
Çinko, M.. (2006). Kredi Kartı Değerlendirme Tekniklerinin Karflılafltırılması. İs- tanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi, 5 (9): 143-153.
Crook, J. ve Banasik, J.. (2004). Does Reject Inference Really Improve the Per- formance of Application Scoring Models? Journal of Banking and Finance, 28: 857-874.
ki, R., Newton, J., Parzen, E. ve Winkler, R.. (1982). The Accuracy of Extrapola
tion (time series) Methods: Results of a Forecasting Competition. Journal of Fo
recasting, 1 (2): 111-153.
Malhotra, R. ve Malhotra, D. K.. (2002). Differentiating Between Good Credits and Bad Credits Using Neuro-Fuzzy Systems. European Journal of Operational Research, 136(1): 190–211.
Martens, D., Baesens, B., Van Gestel, T. ve Vanthienen, J.. (2007). Comprehen- sible Credit Scoring Models Using Rule Extraction From Support Vector Machi- nes. European Journal of Operational Research, 183(3): 1466 - 1476.
Olmeda, I. ve Fernandez, E.. (1997). Hybrid Classifiers for Financial Multicriteri- a Decision Making: The Case of Bankruptcy Prediction. Computational Econo- mics, 10: 317–335.
Ong, C. S., Huang, J. J. ve Tzeng, G. H.. (2005). Building Credit Scoring Models Using Genetic Programming.Expert Systems with Applications, 29(1): 41–47.
Oza, N. C.. (2006). Ensemble Data Mining Methods, Encyclopedia of Data Wa- rehousing and Mining. Idea Group Reference, pp.448-452.
Quinlan, J. R.. (1993). C4.5: Programs for machine learning. Morgan Kaufman, San Francisco, CA.
Pal, M.. (2007). Ensemble Learning with Decision Tree for Remote Sensing Clas- sification. Proceedings of World Academy of Science Engineering and Techno- logy, 26(December): 735-737.
Pelikan, E., De Groot, C. ve Wurtz, D.. (1992). Power Consumption in West-Bo- hemia: Improved Forecasts Decorrelating Connectionist Networks. Neural Net- work World, No.2, 701-712.
Perrone, M. P. ve Cooper, L. N. (1993). When Networks Disagree: Ensemble Methods for Hybrid Neural Netwoks. Neural Networks for speech and Image Processing, Chapman Hall, 126–142.
Schapire, R. E.. (1990). The Strength of Weak Learnability. Machine Learning, 5(2): 197-227.
Shen, A., Tong, R. ve Deng, Y.. (2007). Application of Classification Models on Credit Card Fraud Detection. School of Management, Graduate University of the Chinese Academy of Sciences, China, 1-4
Seval, B.. (1990). Kredilendirme Süreci ve Kredi Yönetimi. İ.Ü. İflletme Fakülte- si, Muhasebe Enstitüsü Yayın No.59: İstanbul.
Thomas, L. C.. (2000). A Survey of Credit and Behavioral Scoring: Forecasting Financial Risk of Lending to Consumers.International Journal of Forecasting, 16: 149–172.
Tsai, C. F. ve Wu, J. W.. (2008). Using Neural Network Ensembles for Ban- kruptcy Prediction and Credit Scoring. Expert Systems with Applications, 34(4): 2639–2649.
Tso, K. F. G. ve Yau, K. K. W.. (2007). Predicting Electricity Energy Consump- tion: A Comparison of Regression Analysis, Decision Tree and Neural Networks. Energy, 32: 1761–1768.
Vellido, A., Lisboa, P. J. G. ve Vaughan, J.. (1999). Neural Networks in Business: A Survey of Applications (1992–1998). Expert Systems with Applications, 17: 51–70.
Vojtek, M. ve Koãenda, E.. (2006). Credit Scoring Methods. Finance a şvûr- Czech Journal of Economics and Finance, 56: 152-167.
West, D., Dellana, S. ve Qian, J.. (2005). Neural Network Ensemble Strategi- es for Financial Decision Applications. Computers & Operations Research, 32: 2543–2559.
Yang, Y.. (2007). Adaptive Credit Scoring with Kernel Learning Methods. Euro- pean Journal of Operational Research, 183(3): 1521-1536.
Yu, L., Wang, S. Y. ve Lai, K. K.. (2005). A Novel Non-Linear Ensemble Forecas- ting Model Incorporating GLAR and ANN for Foreign Exchange Rates. Compu- ters and Operations Research, 32 (10): 2523–2541.
Zhao, H.. (2007). A Multi-Objective Genetic Programming Approach to Develo- ping Pareto Optimal Decision Trees. Decision Support Systems, 43: 809–826.
Zhou, Z. H., Wu, J. ve Tang, W.. (2002). Ensembling Neural Networks: Many Could be Better Than All. Artificial Intelligence,113377 (1-2):239-263.
Abstract - A Comparative Analysis of Individual and Ensemble Credit Scoring Techniques in Evaluating Credit Card Loan Applications
Chang, C. L. ve Chen, C. H.. (2008). Applying Decision Tree and Neural Net- work to Increase Quality of Dermatologic Diagnosis. Expert Systems with App- lications, 3(6): 4035-4041.
Chen, M. S., Han, J. ve Yu, P. S.. (1996). Data Mining: An Overview From a Database Perspective. IEEE Trans. Knowledge Data Engineering, 8(6): 866–883.
Chen, S. Y. ve Liu, X.. (2004). The Contribution of Data Mining to Informati- on Science. Journal of Information Science, 30(6): 550-558.
Çinko, M.. (2006). Kredi Kartı Değerlendirme Tekniklerinin Karflılafltırılması. İs- tanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi, 5 (9): 143-153.
Crook, J. ve Banasik, J.. (2004). Does Reject Inference Really Improve the Per- formance of Application Scoring Models? Journal of Banking and Finance, 28: 857-874.
ki, R., Newton, J., Parzen, E. ve Winkler, R.. (1982). The Accuracy of Extrapola
tion (time series) Methods: Results of a Forecasting Competition. Journal of Fo
recasting, 1 (2): 111-153.
Malhotra, R. ve Malhotra, D. K.. (2002). Differentiating Between Good Credits and Bad Credits Using Neuro-Fuzzy Systems. European Journal of Operational Research, 136(1): 190–211.
Martens, D., Baesens, B., Van Gestel, T. ve Vanthienen, J.. (2007). Comprehen- sible Credit Scoring Models Using Rule Extraction From Support Vector Machi- nes. European Journal of Operational Research, 183(3): 1466 - 1476.
Olmeda, I. ve Fernandez, E.. (1997). Hybrid Classifiers for Financial Multicriteri- a Decision Making: The Case of Bankruptcy Prediction. Computational Econo- mics, 10: 317–335.
Ong, C. S., Huang, J. J. ve Tzeng, G. H.. (2005). Building Credit Scoring Models Using Genetic Programming.Expert Systems with Applications, 29(1): 41–47.
Oza, N. C.. (2006). Ensemble Data Mining Methods, Encyclopedia of Data Wa- rehousing and Mining. Idea Group Reference, pp.448-452.
Quinlan, J. R.. (1993). C4.5: Programs for machine learning. Morgan Kaufman, San Francisco, CA.
Pal, M.. (2007). Ensemble Learning with Decision Tree for Remote Sensing Clas- sification. Proceedings of World Academy of Science Engineering and Techno- logy, 26(December): 735-737.
Pelikan, E., De Groot, C. ve Wurtz, D.. (1992). Power Consumption in West-Bo- hemia: Improved Forecasts Decorrelating Connectionist Networks. Neural Net- work World, No.2, 701-712.
Perrone, M. P. ve Cooper, L. N. (1993). When Networks Disagree: Ensemble Methods for Hybrid Neural Netwoks. Neural Networks for speech and Image Processing, Chapman Hall, 126–142.
Schapire, R. E.. (1990). The Strength of Weak Learnability. Machine Learning, 5(2): 197-227.
Shen, A., Tong, R. ve Deng, Y.. (2007). Application of Classification Models on Credit Card Fraud Detection. School of Management, Graduate University of the Chinese Academy of Sciences, China, 1-4
Seval, B.. (1990). Kredilendirme Süreci ve Kredi Yönetimi. İ.Ü. İflletme Fakülte- si, Muhasebe Enstitüsü Yayın No.59: İstanbul.
Thomas, L. C.. (2000). A Survey of Credit and Behavioral Scoring: Forecasting Financial Risk of Lending to Consumers.International Journal of Forecasting, 16: 149–172.
Tsai, C. F. ve Wu, J. W.. (2008). Using Neural Network Ensembles for Ban- kruptcy Prediction and Credit Scoring. Expert Systems with Applications, 34(4): 2639–2649.
Tso, K. F. G. ve Yau, K. K. W.. (2007). Predicting Electricity Energy Consump- tion: A Comparison of Regression Analysis, Decision Tree and Neural Networks. Energy, 32: 1761–1768.
Vellido, A., Lisboa, P. J. G. ve Vaughan, J.. (1999). Neural Networks in Business: A Survey of Applications (1992–1998). Expert Systems with Applications, 17: 51–70.
Vojtek, M. ve Koãenda, E.. (2006). Credit Scoring Methods. Finance a şvûr- Czech Journal of Economics and Finance, 56: 152-167.
West, D., Dellana, S. ve Qian, J.. (2005). Neural Network Ensemble Strategi- es for Financial Decision Applications. Computers & Operations Research, 32: 2543–2559.
Yang, Y.. (2007). Adaptive Credit Scoring with Kernel Learning Methods. Euro- pean Journal of Operational Research, 183(3): 1521-1536.
Yu, L., Wang, S. Y. ve Lai, K. K.. (2005). A Novel Non-Linear Ensemble Forecas- ting Model Incorporating GLAR and ANN for Foreign Exchange Rates. Compu- ters and Operations Research, 32 (10): 2523–2541.
Zhao, H.. (2007). A Multi-Objective Genetic Programming Approach to Develo- ping Pareto Optimal Decision Trees. Decision Support Systems, 43: 809–826.
Zhou, Z. H., Wu, J. ve Tang, W.. (2002). Ensembling Neural Networks: Many Could be Better Than All. Artificial Intelligence,113377 (1-2):239-263.