Most read articles by the same author(s)
Zarnigora Hokimjonova, Predicting socio-economic status from satellite imagery using machine learning algorithm , Modern Science and Research: Vol. 4 No. 5 (2025): Modern science and research
07-06-2025
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Credit Score Classication Using CNN-Based 2D Image Transformation and Machine Learning Integration
In modern nance, credit scoring serves as a critical mechanism to evaluate the borrowing potential of individuals. Traditional models, such as logistic regression, often struggle to handle complex, heterogeneous datasets at scale. Deep learning approaches, particularly CNNs, have shown considerable promise in addressing these limitations [1]. This study introduces a novel hybrid strategy that integrates Convolutional Neural Networks (CNNs) with classical machine learning algorithms. It utilizes ASCII-based 2D grayscale transformation of tabular nancial data, facilitating the application of CNNs for deep feature learning.
