Overall flow chart of the model.

<div><p>With the digital transformation of the financial industry, credit score prediction, as a key component of risk management, faces increasingly complex challenges. Traditional credit scoring methods often have difficulty in fully capturing the characteristics of large-scale, high-d...

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Bibliographic Details
Main Author:	Yetong Fang (21433414) (author)
Published:	2025
Subjects:	Ecology Science Policy Biological Sciences not elsewhere classified Mathematical Sciences not elsewhere classified Information Systems not elsewhere classified lendingclub loan dataset integrating advanced technologies innovative technical solution handling time dependencies grey wolf optimization experimental results show effectively capture patterns customer historical behaviors 65 %, rmse 0 %, 21 traditional method plawiak paper performs well optimizing key parameters dimensional financial data credit score prediction cnn performs well 51 %, 4 5 %, 68 limited prediction performance gwo model proposed 4 %, traditional methods paper proposes overall performance key component gwo algorithm financial industry financial field xlink "> significantly improving risk management hyperparameter tuning generalization ability fully capturing feature extraction existing methods digital transformation deep learning combines cnns
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Overall flow chart of the model.

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