Credit Scoring and Approval using Intelligent Machine Learning Systems

Uppe Nanaji*, Mohan Rao C. P. V. N. J.**, Ganesh B.***
*-*** Department of Computer Science and Engineering, Avanthi Institute of Engineering and Technology, Anakapalle, Andhra Pradesh, India.
Periodicity:July - December'2025

Abstract

Credit card approval is a critical task for financial institutions that must balance the need for customer acquisition with risk management. Traditional rule-based methods typically lack the flexibility and adaptability of data-driven approaches. This paper presents a machine learning-based framework for predicting credit card approvals using various classification algorithms. Models such as logistic regression, decision trees, random forest, and gradient boosting are evaluated on a publicly available dataset. Performance is measured using accuracy, precision, recall, and F1-score. Results show that machine learning models significantly enhance approval prediction performance and offer valuable insights into feature importance.

Keywords

Card Approval, Machine Learning, Classification, Financial Technology, Predictive Modeling.

How to Cite this Article?

Nanaji, U., Rao, C. P. V. N. J. M., and Ganesh, B. (2025). Credit Scoring and Approval using Intelligent Machine Learning Systems. International Journal of Data Mining Techniques and Applications, 14(2), 16-23.

References

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[8]. Lotfi, E. (2024). Predicting Credit Card Approval Using Machine Learning Techniques. International Journal of Applied Data Science in Engineering and Health, 1(3), 18-30.
[9]. Pedregosa, F., Varoquaux, G., Gramfort, A., Michel, V., Thirion, B., Grisel, O., & Duchesnay, É. (2011). Scikit-learn: Machine learning in Python. The Journal of Machine Learning Research, 12, 2825-2830.
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