id	sid	tid	token	lemma	pos
easat-10344	1	1	edelweiss	edelweiss	PROPN
easat-10344	1	2	applied	apply	VERB
easat-10344	1	3	science	science	NOUN
easat-10344	1	4	and	and	CCONJ
easat-10344	1	5	technology	technology	NOUN
easat-10344	1	6	issn	issn	PROPN
easat-10344	1	7	:	:	PUNCT
easat-10344	1	8	2576	2576	NUM
easat-10344	1	9	-	-	SYM
easat-10344	1	10	8484	8484	NUM
easat-10344	1	11	vol	vol	NOUN
easat-10344	1	12	.	.	PROPN
easat-10344	2	1	9	9	NUM
easat-10344	2	2	,	,	PUNCT
easat-10344	2	3	no	no	INTJ
easat-10344	2	4	.	.	NOUN
easat-10344	2	5	10	10	NUM
easat-10344	2	6	,	,	PUNCT
easat-10344	2	7	83	83	NUM
easat-10344	2	8	-	-	SYM
easat-10344	2	9	103	103	NUM
easat-10344	2	10	2025	2025	NUM
easat-10344	2	11	publisher	publisher	NOUN
easat-10344	2	12	:	:	PUNCT
easat-10344	2	13	learning	learn	VERB
easat-10344	2	14	gate	gate	NOUN
easat-10344	2	15	doi	doi	PROPN
easat-10344	2	16	:	:	PUNCT
easat-10344	2	17	10.55214/2576	10.55214/2576	NUM
easat-10344	2	18	-	-	PUNCT
easat-10344	2	19	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	2	20	©	©	PROPN
easat-10344	2	21	2025	2025	NUM
easat-10344	2	22	by	by	ADP
easat-10344	2	23	the	the	DET
easat-10344	2	24	authors	author	NOUN
easat-10344	2	25	;	;	PUNCT
easat-10344	3	1	licensee	licensee	PROPN
easat-10344	3	2	learning	learning	NOUN
easat-10344	3	3	gate	gate	NOUN
easat-10344	3	4	©	©	PROPN
easat-10344	3	5	2025	2025	NUM
easat-10344	3	6	by	by	ADP
easat-10344	3	7	the	the	DET
easat-10344	3	8	authors	author	NOUN
easat-10344	3	9	;	;	PUNCT
easat-10344	3	10	licensee	licensee	PROPN
easat-10344	3	11	learning	learning	PROPN
easat-10344	3	12	gate	gate	PROPN
easat-10344	3	13	received	receive	VERB
easat-10344	3	14	:	:	PUNCT
easat-10344	3	15	1	1	NUM
easat-10344	3	16	august	august	PROPN
easat-10344	3	17	2025	2025	NUM
easat-10344	3	18	/	/	SYM
easat-10344	3	19	revised	revised	ADJ
easat-10344	3	20	:	:	PUNCT
easat-10344	3	21	14	14	NUM
easat-10344	3	22	september	september	PROPN
easat-10344	3	23	2025	2025	NUM
easat-10344	3	24	/	/	PUNCT
easat-10344	3	25	accepted	accept	VERB
easat-10344	3	26	:	:	PUNCT
easat-10344	3	27	17	17	NUM
easat-10344	3	28	september	september	PROPN
easat-10344	3	29	2025	2025	NUM
easat-10344	3	30	/	/	PUNCT
easat-10344	3	31	published	publish	VERB
easat-10344	3	32	:	:	PUNCT
easat-10344	3	33	3	3	NUM
easat-10344	3	34	october	october	NOUN
easat-10344	3	35	2025	2025	NUM
easat-10344	3	36	*	*	PUNCT
easat-10344	3	37	correspondence	correspondence	NOUN
easat-10344	3	38	:	:	PUNCT
easat-10344	3	39	nidhal.ziadiellouze@fst.utm.tn	nidhal.ziadiellouze@fst.utm.tn	VERB
easat-10344	3	40	smart	smart	ADJ
easat-10344	3	41	risk	risk	NOUN
easat-10344	3	42	prediction	prediction	NOUN
easat-10344	3	43	:	:	PUNCT
easat-10344	3	44	the	the	DET
easat-10344	3	45	rise	rise	NOUN
easat-10344	3	46	of	of	ADP
easat-10344	3	47	bayesian	bayesian	NOUN
easat-10344	3	48	models	model	NOUN
easat-10344	3	49	in	in	ADP
easat-10344	3	50	finance	finance	NOUN
easat-10344	3	51	nidhal	nidhal	NOUN
easat-10344	3	52	ziadi	ziadi	NOUN
easat-10344	3	53	ellouze1	ellouze1	PROPN
easat-10344	3	54	*	*	PROPN
easat-10344	3	55	,	,	PUNCT
easat-10344	3	56	nesrine	nesrine	ADJ
easat-10344	3	57	gafsi2	gafsi2	PROPN
easat-10344	3	58	,	,	PUNCT
easat-10344	3	59	nihel	nihel	PROPN
easat-10344	3	60	ziadi	ziadi	PROPN
easat-10344	3	61	ben	ben	PROPN
easat-10344	3	62	fadhe3	fadhe3	PROPN
easat-10344	4	1	1faculty	1faculty	NUM
easat-10344	4	2	of	of	ADP
easat-10344	4	3	sciences	science	NOUN
easat-10344	4	4	of	of	ADP
easat-10344	4	5	tunis	tunis	NOUN
easat-10344	4	6	,	,	PUNCT
easat-10344	4	7	university	university	NOUN
easat-10344	4	8	of	of	ADP
easat-10344	4	9	tunis	tunis	PROPN
easat-10344	4	10	el	el	PROPN
easat-10344	4	11	manar	manar	PROPN
easat-10344	4	12	,	,	PUNCT
easat-10344	4	13	laboratories	laboratory	NOUN
easat-10344	4	14	larimraf	larimraf	VERB
easat-10344	4	15	,	,	PUNCT
easat-10344	4	16	tunisia	tunisia	NOUN
easat-10344	4	17	;	;	PUNCT
easat-10344	4	18	nidhal.ziadiellouze@fst.utm.tn	nidhal.ziadiellouze@fst.utm.tn	PROPN
easat-10344	4	19	(	(	PUNCT
easat-10344	4	20	n.z.e	n.z.e	NOUN
easat-10344	4	21	.	.	PUNCT
easat-10344	4	22	)	)	PUNCT
easat-10344	4	23	.	.	PUNCT
easat-10344	5	1	2college	2college	NUM
easat-10344	5	2	of	of	ADP
easat-10344	5	3	business	business	NOUN
easat-10344	5	4	,	,	PUNCT
easat-10344	5	5	imam	imam	PROPN
easat-10344	5	6	mohammad	mohammad	PROPN
easat-10344	5	7	ibn	ibn	PROPN
easat-10344	5	8	saud	saud	PROPN
easat-10344	5	9	islamic	islamic	PROPN
easat-10344	5	10	university	university	PROPN
easat-10344	5	11	(	(	PUNCT
easat-10344	5	12	imsiu	imsiu	PROPN
easat-10344	5	13	)	)	PUNCT
easat-10344	5	14	,	,	PUNCT
easat-10344	5	15	riyadh	riyadh	PROPN
easat-10344	5	16	,	,	PUNCT
easat-10344	5	17	saudi	saudi	PROPN
easat-10344	5	18	arabia	arabia	PROPN
easat-10344	5	19	;	;	PUNCT
easat-10344	5	20	nwgafsi@imamu.edu.sa	nwgafsi@imamu.edu.sa	PROPN
easat-10344	5	21	nesrine.gafsi@gmail.com	nesrine.gafsi@gmail.com	PROPN
easat-10344	5	22	(	(	PUNCT
easat-10344	5	23	n.g	n.g	PROPN
easat-10344	5	24	.	.	PROPN
easat-10344	5	25	)	)	PUNCT
easat-10344	5	26	.	.	PUNCT
easat-10344	6	1	3faculty	3faculty	NUM
easat-10344	6	2	of	of	ADP
easat-10344	6	3	sciences	science	NOUN
easat-10344	6	4	of	of	ADP
easat-10344	6	5	tunis	tunis	NOUN
easat-10344	6	6	,	,	PUNCT
easat-10344	6	7	university	university	NOUN
easat-10344	6	8	of	of	ADP
easat-10344	6	9	tunis	tunis	PROPN
easat-10344	6	10	el	el	PROPN
easat-10344	6	11	manar	manar	PROPN
easat-10344	6	12	,	,	PUNCT
easat-10344	6	13	laboratories	laboratories	PROPN
easat-10344	6	14	erma	erma	PROPN
easat-10344	6	15	,	,	PUNCT
easat-10344	6	16	tunisia	tunisia	NOUN
easat-10344	6	17	;	;	PUNCT
easat-10344	6	18	nihel.ziadi@fst.utm.tn	nihel.ziadi@fst.utm.tn	PROPN
easat-10344	6	19	(	(	PUNCT
easat-10344	6	20	n.z.b.f	n.z.b.f	PROPN
easat-10344	6	21	.	.	PUNCT
easat-10344	6	22	)	)	PUNCT
easat-10344	6	23	.	.	PUNCT
easat-10344	7	1	abstract	abstract	ADV
easat-10344	7	2	:	:	PUNCT
easat-10344	7	3	this	this	DET
easat-10344	7	4	research	research	NOUN
easat-10344	7	5	aims	aim	VERB
easat-10344	7	6	to	to	PART
easat-10344	7	7	develop	develop	VERB
easat-10344	7	8	predictive	predictive	ADJ
easat-10344	7	9	models	model	NOUN
easat-10344	7	10	to	to	PART
easat-10344	7	11	estimate	estimate	VERB
easat-10344	7	12	the	the	DET
easat-10344	7	13	probability	probability	NOUN
easat-10344	7	14	of	of	ADP
easat-10344	7	15	bank	bank	NOUN
easat-10344	7	16	customer	customer	NOUN
easat-10344	7	17	default	default	NOUN
easat-10344	7	18	based	base	VERB
easat-10344	7	19	on	on	ADP
easat-10344	7	20	socio	socio	NOUN
easat-10344	7	21	-	-	PUNCT
easat-10344	7	22	economic	economic	ADJ
easat-10344	7	23	factors	factor	NOUN
easat-10344	7	24	.	.	PUNCT
easat-10344	8	1	relying	rely	VERB
easat-10344	8	2	on	on	ADP
easat-10344	8	3	bayesian	bayesian	NOUN
easat-10344	8	4	inference	inference	NOUN
easat-10344	8	5	frameworks	framework	NOUN
easat-10344	8	6	,	,	PUNCT
easat-10344	8	7	the	the	DET
easat-10344	8	8	study	study	NOUN
easat-10344	8	9	implements	implement	VERB
easat-10344	8	10	both	both	DET
easat-10344	8	11	naive	naive	ADJ
easat-10344	8	12	bayes	bayes	NOUN
easat-10344	8	13	classifiers	classifier	NOUN
easat-10344	8	14	and	and	CCONJ
easat-10344	8	15	bayesian	bayesian	NOUN
easat-10344	8	16	neural	neural	ADJ
easat-10344	8	17	networks	network	NOUN
easat-10344	8	18	(	(	PUNCT
easat-10344	8	19	bnns	bnns	ADJ
easat-10344	8	20	)	)	PUNCT
easat-10344	8	21	to	to	PART
easat-10344	8	22	improve	improve	VERB
easat-10344	8	23	prediction	prediction	NOUN
easat-10344	8	24	accuracy	accuracy	NOUN
easat-10344	8	25	.	.	PUNCT
easat-10344	9	1	the	the	DET
easat-10344	9	2	methodology	methodology	NOUN
easat-10344	9	3	is	be	AUX
easat-10344	9	4	grounded	ground	VERB
easat-10344	9	5	in	in	ADP
easat-10344	9	6	bayes	bayes	NOUN
easat-10344	9	7	’	'	PUNCT
easat-10344	9	8	theorem	theorem	ADJ
easat-10344	9	9	and	and	CCONJ
easat-10344	9	10	conditional	conditional	ADJ
easat-10344	9	11	independence	independence	NOUN
easat-10344	9	12	,	,	PUNCT
easat-10344	9	13	with	with	ADP
easat-10344	9	14	practical	practical	ADJ
easat-10344	9	15	implementation	implementation	NOUN
easat-10344	9	16	using	use	VERB
easat-10344	9	17	python	python	NOUN
easat-10344	9	18	libraries	library	NOUN
easat-10344	9	19	such	such	ADJ
easat-10344	9	20	as	as	ADP
easat-10344	9	21	scikit	scikit	NOUN
easat-10344	9	22	-	-	PUNCT
easat-10344	9	23	learn	learn	VERB
easat-10344	9	24	and	and	CCONJ
easat-10344	9	25	tensorflow	tensorflow	NOUN
easat-10344	9	26	probability	probability	NOUN
easat-10344	9	27	.	.	PUNCT
easat-10344	10	1	following	follow	VERB
easat-10344	10	2	rigorous	rigorous	ADJ
easat-10344	10	3	preprocessing	preprocessing	NOUN
easat-10344	10	4	and	and	CCONJ
easat-10344	10	5	model	model	NOUN
easat-10344	10	6	training	training	NOUN
easat-10344	10	7	on	on	ADP
easat-10344	10	8	financial	financial	ADJ
easat-10344	10	9	datasets	dataset	NOUN
easat-10344	10	10	,	,	PUNCT
easat-10344	10	11	the	the	DET
easat-10344	10	12	results	result	NOUN
easat-10344	10	13	show	show	VERB
easat-10344	10	14	effective	effective	ADJ
easat-10344	10	15	segmentation	segmentation	NOUN
easat-10344	10	16	of	of	ADP
easat-10344	10	17	customers	customer	NOUN
easat-10344	10	18	according	accord	VERB
easat-10344	10	19	to	to	ADP
easat-10344	10	20	their	their	PRON
easat-10344	10	21	credit	credit	NOUN
easat-10344	10	22	risk	risk	NOUN
easat-10344	10	23	levels	level	NOUN
easat-10344	10	24	.	.	PUNCT
easat-10344	11	1	the	the	DET
easat-10344	11	2	models	model	NOUN
easat-10344	11	3	enable	enable	VERB
easat-10344	11	4	personalized	personalized	ADJ
easat-10344	11	5	financial	financial	ADJ
easat-10344	11	6	product	product	NOUN
easat-10344	11	7	recommendations	recommendation	NOUN
easat-10344	11	8	,	,	PUNCT
easat-10344	11	9	including	include	VERB
easat-10344	11	10	tailored	tailor	VERB
easat-10344	11	11	interest	interest	NOUN
easat-10344	11	12	rates	rate	NOUN
easat-10344	11	13	and	and	CCONJ
easat-10344	11	14	guarantees	guarantee	NOUN
easat-10344	11	15	.	.	PUNCT
easat-10344	12	1	the	the	DET
easat-10344	12	2	findings	finding	NOUN
easat-10344	12	3	demonstrate	demonstrate	VERB
easat-10344	12	4	the	the	DET
easat-10344	12	5	statistical	statistical	ADJ
easat-10344	12	6	robustness	robustness	NOUN
easat-10344	12	7	of	of	ADP
easat-10344	12	8	bayesian	bayesian	NOUN
easat-10344	12	9	approaches	approach	NOUN
easat-10344	12	10	and	and	CCONJ
easat-10344	12	11	their	their	PRON
easat-10344	12	12	ability	ability	NOUN
easat-10344	12	13	to	to	PART
easat-10344	12	14	deliver	deliver	VERB
easat-10344	12	15	interpretable	interpretable	ADJ
easat-10344	12	16	solutions	solution	NOUN
easat-10344	12	17	for	for	ADP
easat-10344	12	18	credit	credit	NOUN
easat-10344	12	19	risk	risk	NOUN
easat-10344	12	20	assessment	assessment	NOUN
easat-10344	12	21	.	.	PUNCT
easat-10344	13	1	this	this	DET
easat-10344	13	2	approach	approach	NOUN
easat-10344	13	3	supports	support	VERB
easat-10344	13	4	strategic	strategic	ADJ
easat-10344	13	5	decision	decision	NOUN
easat-10344	13	6	-	-	PUNCT
easat-10344	13	7	making	making	NOUN
easat-10344	13	8	by	by	ADP
easat-10344	13	9	aligning	align	VERB
easat-10344	13	10	banking	banking	NOUN
easat-10344	13	11	offers	offer	NOUN
easat-10344	13	12	with	with	ADP
easat-10344	13	13	individual	individual	ADJ
easat-10344	13	14	risk	risk	NOUN
easat-10344	13	15	profiles	profile	NOUN
easat-10344	13	16	,	,	PUNCT
easat-10344	13	17	ultimately	ultimately	ADV
easat-10344	13	18	contributing	contribute	VERB
easat-10344	13	19	to	to	PART
easat-10344	13	20	risk	risk	NOUN
easat-10344	13	21	mitigation	mitigation	NOUN
easat-10344	13	22	and	and	CCONJ
easat-10344	13	23	enhanced	enhance	VERB
easat-10344	13	24	customer	customer	NOUN
easat-10344	13	25	relationship	relationship	NOUN
easat-10344	13	26	management	management	NOUN
easat-10344	13	27	.	.	PUNCT
easat-10344	14	1	keywords	keyword	NOUN
easat-10344	14	2	:	:	PUNCT
easat-10344	14	3	bayesian	bayesian	NOUN
easat-10344	14	4	inference	inference	NOUN
easat-10344	14	5	,	,	PUNCT
easat-10344	14	6	bayesian	bayesian	NOUN
easat-10344	14	7	neural	neural	ADJ
easat-10344	14	8	networks	network	NOUN
easat-10344	14	9	(	(	PUNCT
easat-10344	14	10	bnns	bnns	ADJ
easat-10344	14	11	)	)	PUNCT
easat-10344	14	12	,	,	PUNCT
easat-10344	14	13	credit	credit	NOUN
easat-10344	14	14	risk	risk	NOUN
easat-10344	14	15	prediction	prediction	NOUN
easat-10344	14	16	,	,	PUNCT
easat-10344	14	17	customer	customer	NOUN
easat-10344	14	18	segmentation	segmentation	NOUN
easat-10344	14	19	,	,	PUNCT
easat-10344	14	20	naive	naive	ADJ
easat-10344	14	21	bayes	bayes	NOUN
easat-10344	14	22	classifier	classifier	NOUN
easat-10344	14	23	.	.	PUNCT
easat-10344	15	1	1	1	X
easat-10344	15	2	.	.	X
easat-10344	16	1	introduction	introduction	NOUN
easat-10344	16	2	banks	bank	NOUN
easat-10344	16	3	play	play	VERB
easat-10344	16	4	a	a	DET
easat-10344	16	5	crucial	crucial	ADJ
easat-10344	16	6	role	role	NOUN
easat-10344	16	7	in	in	ADP
easat-10344	16	8	global	global	ADJ
easat-10344	16	9	credit	credit	NOUN
easat-10344	16	10	risk	risk	NOUN
easat-10344	16	11	evaluation	evaluation	NOUN
easat-10344	16	12	,	,	PUNCT
easat-10344	16	13	which	which	PRON
easat-10344	16	14	is	be	AUX
easat-10344	16	15	essential	essential	ADJ
easat-10344	16	16	for	for	ADP
easat-10344	16	17	financial	financial	ADJ
easat-10344	16	18	stability	stability	NOUN
easat-10344	16	19	and	and	CCONJ
easat-10344	16	20	effective	effective	ADJ
easat-10344	16	21	lending	lending	NOUN
easat-10344	16	22	practices	practice	NOUN
easat-10344	16	23	.	.	PUNCT
easat-10344	17	1	according	accord	VERB
easat-10344	17	2	to	to	ADP
easat-10344	17	3	the	the	DET
easat-10344	17	4	basel	basel	PROPN
easat-10344	17	5	committee	committee	PROPN
easat-10344	17	6	on	on	ADP
easat-10344	17	7	banking	banking	NOUN
easat-10344	17	8	supervision	supervision	NOUN
easat-10344	17	9	[	[	X
easat-10344	17	10	1	1	NUM
easat-10344	17	11	]	]	PUNCT
easat-10344	17	12	credit	credit	NOUN
easat-10344	17	13	risk	risk	NOUN
easat-10344	17	14	is	be	AUX
easat-10344	17	15	defined	define	VERB
easat-10344	17	16	as	as	ADP
easat-10344	17	17	the	the	DET
easat-10344	17	18	potential	potential	NOUN
easat-10344	17	19	that	that	SCONJ
easat-10344	17	20	a	a	DET
easat-10344	17	21	borrower	borrower	NOUN
easat-10344	17	22	or	or	CCONJ
easat-10344	17	23	counterparty	counterparty	NOUN
easat-10344	17	24	will	will	AUX
easat-10344	17	25	fail	fail	VERB
easat-10344	17	26	to	to	PART
easat-10344	17	27	meet	meet	VERB
easat-10344	17	28	its	its	PRON
easat-10344	17	29	obligations	obligation	NOUN
easat-10344	17	30	under	under	ADP
easat-10344	17	31	agreed	agree	VERB
easat-10344	17	32	terms	term	NOUN
easat-10344	17	33	.	.	PUNCT
easat-10344	18	1	to	to	PART
easat-10344	18	2	assess	assess	VERB
easat-10344	18	3	this	this	DET
easat-10344	18	4	risk	risk	NOUN
easat-10344	18	5	,	,	PUNCT
easat-10344	18	6	banks	bank	NOUN
easat-10344	18	7	rely	rely	VERB
easat-10344	18	8	on	on	ADP
easat-10344	18	9	both	both	CCONJ
easat-10344	18	10	quantitative	quantitative	ADJ
easat-10344	18	11	financial	financial	ADJ
easat-10344	18	12	data	datum	NOUN
easat-10344	18	13	and	and	CCONJ
easat-10344	18	14	qualitative	qualitative	ADJ
easat-10344	18	15	strategic	strategic	ADJ
easat-10344	18	16	factors	factor	NOUN
easat-10344	18	17	.	.	PUNCT
easat-10344	19	1	regulatory	regulatory	ADJ
easat-10344	19	2	frameworks	framework	NOUN
easat-10344	19	3	such	such	ADJ
easat-10344	19	4	as	as	ADP
easat-10344	19	5	the	the	DET
easat-10344	19	6	ecb	ecb	NOUN
easat-10344	19	7	’s	’s	PART
easat-10344	19	8	supervisory	supervisory	ADJ
easat-10344	19	9	review	review	NOUN
easat-10344	19	10	and	and	CCONJ
easat-10344	19	11	evaluation	evaluation	NOUN
easat-10344	19	12	process	process	NOUN
easat-10344	19	13	(	(	PUNCT
easat-10344	19	14	srep	srep	NOUN
easat-10344	19	15	)	)	PUNCT
easat-10344	19	16	adopt	adopt	VERB
easat-10344	19	17	a	a	DET
easat-10344	19	18	dual	dual	ADJ
easat-10344	19	19	approach	approach	NOUN
easat-10344	19	20	,	,	PUNCT
easat-10344	19	21	combining	combine	VERB
easat-10344	19	22	quantitative	quantitative	ADJ
easat-10344	19	23	exposure	exposure	NOUN
easat-10344	19	24	analysis	analysis	NOUN
easat-10344	19	25	with	with	ADP
easat-10344	19	26	qualitative	qualitative	ADJ
easat-10344	19	27	assessments	assessment	NOUN
easat-10344	19	28	of	of	ADP
easat-10344	19	29	internal	internal	ADJ
easat-10344	19	30	risk	risk	NOUN
easat-10344	19	31	management	management	NOUN
easat-10344	19	32	systems	system	NOUN
easat-10344	19	33	,	,	PUNCT
easat-10344	19	34	including	include	VERB
easat-10344	19	35	the	the	DET
easat-10344	19	36	validation	validation	NOUN
easat-10344	19	37	of	of	ADP
easat-10344	19	38	expected	expect	VERB
easat-10344	19	39	credit	credit	NOUN
easat-10344	19	40	loss	loss	NOUN
easat-10344	19	41	(	(	PUNCT
easat-10344	19	42	ecl	ecl	NOUN
easat-10344	19	43	)	)	PUNCT
easat-10344	19	44	models	model	NOUN
easat-10344	19	45	[	[	X
easat-10344	19	46	2	2	NUM
easat-10344	19	47	]	]	PUNCT
easat-10344	19	48	.	.	PUNCT
easat-10344	20	1	basel	basel	PROPN
easat-10344	20	2	iii	iii	PROPN
easat-10344	20	3	further	far	ADV
easat-10344	20	4	enhances	enhance	VERB
easat-10344	20	5	this	this	DET
easat-10344	20	6	framework	framework	NOUN
easat-10344	20	7	through	through	ADP
easat-10344	20	8	the	the	DET
easat-10344	20	9	internal	internal	ADJ
easat-10344	20	10	ratings	rating	NOUN
easat-10344	20	11	-	-	PUNCT
easat-10344	20	12	based	base	VERB
easat-10344	20	13	(	(	PUNCT
easat-10344	20	14	irb	irb	PROPN
easat-10344	20	15	)	)	PUNCT
easat-10344	20	16	approach	approach	NOUN
easat-10344	20	17	,	,	PUNCT
easat-10344	20	18	which	which	PRON
easat-10344	20	19	allows	allow	VERB
easat-10344	20	20	banks	bank	NOUN
easat-10344	20	21	to	to	PART
easat-10344	20	22	develop	develop	VERB
easat-10344	20	23	tailored	tailored	ADJ
easat-10344	20	24	models	model	NOUN
easat-10344	20	25	for	for	ADP
easat-10344	20	26	different	different	ADJ
easat-10344	20	27	borrower	borrower	NOUN
easat-10344	20	28	profiles	profile	NOUN
easat-10344	20	29	and	and	CCONJ
easat-10344	20	30	portfolio	portfolio	NOUN
easat-10344	20	31	types	type	NOUN
easat-10344	20	32	,	,	PUNCT
easat-10344	20	33	using	use	VERB
easat-10344	20	34	techniques	technique	NOUN
easat-10344	20	35	like	like	ADP
easat-10344	20	36	value	value	NOUN
easat-10344	20	37	at	at	ADP
easat-10344	20	38	risk	risk	NOUN
easat-10344	20	39	(	(	PUNCT
easat-10344	20	40	var	var	NOUN
easat-10344	20	41	)	)	PUNCT
easat-10344	20	42	to	to	PART
easat-10344	20	43	estimate	estimate	VERB
easat-10344	20	44	potential	potential	ADJ
easat-10344	20	45	losses	loss	NOUN
easat-10344	20	46	[	[	X
easat-10344	20	47	3	3	NUM
easat-10344	20	48	]	]	PUNCT
easat-10344	20	49	.	.	PUNCT
easat-10344	21	1	technological	technological	ADJ
easat-10344	21	2	advances	advance	NOUN
easat-10344	21	3	have	have	AUX
easat-10344	21	4	significantly	significantly	ADV
easat-10344	21	5	transformed	transform	VERB
easat-10344	21	6	credit	credit	NOUN
easat-10344	21	7	risk	risk	NOUN
easat-10344	21	8	assessment	assessment	NOUN
easat-10344	21	9	.	.	PUNCT
easat-10344	22	1	while	while	SCONJ
easat-10344	22	2	traditional	traditional	ADJ
easat-10344	22	3	statistical	statistical	ADJ
easat-10344	22	4	methods	method	NOUN
easat-10344	22	5	like	like	ADP
easat-10344	22	6	logistic	logistic	ADJ
easat-10344	22	7	regression	regression	NOUN
easat-10344	22	8	remain	remain	VERB
easat-10344	22	9	relevant	relevant	ADJ
easat-10344	22	10	,	,	PUNCT
easat-10344	22	11	they	they	PRON
easat-10344	22	12	are	be	AUX
easat-10344	22	13	now	now	ADV
easat-10344	22	14	complemented	complement	VERB
easat-10344	22	15	by	by	ADP
easat-10344	22	16	machine	machine	NOUN
easat-10344	22	17	learning	learning	NOUN
easat-10344	22	18	models	model	NOUN
easat-10344	22	19	such	such	ADJ
easat-10344	22	20	as	as	ADP
easat-10344	22	21	decision	decision	NOUN
easat-10344	22	22	trees	tree	NOUN
easat-10344	22	23	,	,	PUNCT
easat-10344	22	24	neural	neural	ADJ
easat-10344	22	25	networks	network	NOUN
easat-10344	22	26	,	,	PUNCT
easat-10344	22	27	and	and	CCONJ
easat-10344	22	28	bayesian	bayesian	NOUN
easat-10344	22	29	classifiers	classifier	NOUN
easat-10344	22	30	,	,	PUNCT
easat-10344	22	31	which	which	PRON
easat-10344	22	32	integrate	integrate	VERB
easat-10344	22	33	financial	financial	ADJ
easat-10344	22	34	data	datum	NOUN
easat-10344	22	35	with	with	ADP
easat-10344	22	36	qualitative	qualitative	ADJ
easat-10344	22	37	insights	insight	NOUN
easat-10344	22	38	to	to	PART
easat-10344	22	39	improve	improve	VERB
easat-10344	22	40	default	default	NOUN
easat-10344	22	41	prediction	prediction	NOUN
easat-10344	22	42	and	and	CCONJ
easat-10344	22	43	enable	enable	VERB
easat-10344	22	44	early	early	ADJ
easat-10344	22	45	warning	warning	NOUN
easat-10344	22	46	systems	system	NOUN
easat-10344	22	47	[	[	X
easat-10344	22	48	4	4	NUM
easat-10344	22	49	]	]	PUNCT
easat-10344	22	50	.	.	PUNCT
easat-10344	23	1	credit	credit	NOUN
easat-10344	23	2	risk	risk	NOUN
easat-10344	23	3	grading	grade	VERB
easat-10344	23	4	systems	system	NOUN
easat-10344	23	5	are	be	AUX
easat-10344	23	6	especially	especially	ADV
easat-10344	23	7	important	important	ADJ
easat-10344	23	8	for	for	ADP
easat-10344	23	9	large	large	ADJ
easat-10344	23	10	banks	bank	NOUN
easat-10344	23	11	,	,	PUNCT
easat-10344	23	12	as	as	SCONJ
easat-10344	23	13	they	they	PRON
easat-10344	23	14	help	help	AUX
easat-10344	23	15	categorize	categorize	VERB
easat-10344	23	16	loans	loan	NOUN
easat-10344	23	17	by	by	ADP
easat-10344	23	18	risk	risk	NOUN
easat-10344	23	19	level	level	NOUN
easat-10344	23	20	,	,	PUNCT
easat-10344	23	21	influencing	influence	VERB
easat-10344	23	22	underwriting	underwriting	NOUN
easat-10344	23	23	decisions	decision	NOUN
easat-10344	23	24	,	,	PUNCT
easat-10344	23	25	loan	loan	NOUN
easat-10344	23	26	terms	term	NOUN
easat-10344	23	27	,	,	PUNCT
easat-10344	23	28	portfolio	portfolio	NOUN
easat-10344	23	29	management	management	NOUN
easat-10344	23	30	,	,	PUNCT
easat-10344	23	31	and	and	CCONJ
easat-10344	23	32	reserve	reserve	NOUN
easat-10344	23	33	requirements	requirement	NOUN
easat-10344	23	34	.	.	PUNCT
easat-10344	24	1	the	the	DET
easat-10344	24	2	current	current	ADJ
easat-10344	24	3	expected	expect	VERB
easat-10344	24	4	credit	credit	NOUN
easat-10344	24	5	losses	loss	NOUN
easat-10344	24	6	(	(	PUNCT
easat-10344	24	7	cecl	cecl	NOUN
easat-10344	24	8	)	)	PUNCT
easat-10344	24	9	standard	standard	NOUN
easat-10344	24	10	emphasizes	emphasize	VERB
easat-10344	24	11	the	the	DET
easat-10344	24	12	importance	importance	NOUN
easat-10344	24	13	of	of	ADP
easat-10344	24	14	segmentation	segmentation	NOUN
easat-10344	24	15	based	base	VERB
easat-10344	24	16	on	on	ADP
easat-10344	24	17	grading	grade	VERB
easat-10344	24	18	to	to	PART
easat-10344	24	19	accurately	accurately	ADV
easat-10344	24	20	forecast	forecast	VERB
easat-10344	24	21	expected	expect	VERB
easat-10344	24	22	losses	loss	NOUN
easat-10344	24	23	,	,	PUNCT
easat-10344	24	24	macias	macias	PROPN
easat-10344	25	1	[	[	X
easat-10344	25	2	5	5	NUM
easat-10344	25	3	]	]	PUNCT
easat-10344	25	4	.	.	PUNCT
easat-10344	26	1	ziadi	ziadi	PROPN
easat-10344	26	2	ben	ben	PROPN
easat-10344	26	3	fadhel	fadhel	PROPN
easat-10344	27	1	[	[	X
easat-10344	27	2	6	6	NUM
easat-10344	27	3	]	]	PUNCT
easat-10344	27	4	explores	explore	VERB
easat-10344	27	5	the	the	DET
easat-10344	27	6	application	application	NOUN
easat-10344	27	7	of	of	ADP
easat-10344	27	8	predictive	predictive	ADJ
easat-10344	27	9	intelligence	intelligence	NOUN
easat-10344	27	10	in	in	ADP
easat-10344	27	11	banking	banking	NOUN
easat-10344	27	12	to	to	PART
easat-10344	27	13	anticipate	anticipate	VERB
easat-10344	27	14	customer	customer	NOUN
easat-10344	27	15	behavior	behavior	NOUN
easat-10344	27	16	and	and	CCONJ
easat-10344	27	17	https://orcid.org/0009-0007-1860-4725	https://orcid.org/0009-0007-1860-4725	PROPN
easat-10344	27	18	https://orcid.org/0000-0003-3915-9396	https://orcid.org/0000-0003-3915-9396	ADV
easat-10344	27	19	https://orcid.org/0009-0003-4125-6360	https://orcid.org/0009-0003-4125-6360	PROPN
easat-10344	27	20	84	84	NUM
easat-10344	27	21	edelweiss	edelweiss	PROPN
easat-10344	27	22	applied	apply	VERB
easat-10344	27	23	science	science	NOUN
easat-10344	27	24	and	and	CCONJ
easat-10344	27	25	technology	technology	NOUN
easat-10344	27	26	issn	issn	PROPN
easat-10344	27	27	:	:	PUNCT
easat-10344	27	28	2576	2576	NUM
easat-10344	27	29	-	-	SYM
easat-10344	27	30	8484	8484	NUM
easat-10344	27	31	vol	vol	NOUN
easat-10344	27	32	.	.	PROPN
easat-10344	28	1	9	9	NUM
easat-10344	28	2	,	,	PUNCT
easat-10344	28	3	no	no	INTJ
easat-10344	28	4	.	.	NOUN
easat-10344	28	5	10	10	NUM
easat-10344	28	6	:	:	PUNCT
easat-10344	28	7	83	83	NUM
easat-10344	28	8	-	-	SYM
easat-10344	28	9	103	103	NUM
easat-10344	28	10	,	,	PUNCT
easat-10344	28	11	2025	2025	NUM
easat-10344	28	12	doi	doi	NOUN
easat-10344	28	13	:	:	PUNCT
easat-10344	28	14	10.55214/2576	10.55214/2576	NUM
easat-10344	28	15	-	-	PUNCT
easat-10344	28	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	28	17	©	©	PROPN
easat-10344	28	18	2025	2025	NUM
easat-10344	28	19	by	by	ADP
easat-10344	28	20	the	the	DET
easat-10344	28	21	authors	author	NOUN
easat-10344	28	22	;	;	PUNCT
easat-10344	28	23	licensee	licensee	PROPN
easat-10344	28	24	learning	learn	VERB
easat-10344	28	25	gate	gate	NOUN
easat-10344	28	26	improve	improve	VERB
easat-10344	28	27	strategic	strategic	ADJ
easat-10344	28	28	decision	decision	NOUN
easat-10344	28	29	-	-	PUNCT
easat-10344	28	30	making	making	NOUN
easat-10344	28	31	.	.	PUNCT
easat-10344	29	1	the	the	DET
easat-10344	29	2	study	study	NOUN
easat-10344	29	3	emphasizes	emphasize	VERB
easat-10344	29	4	the	the	DET
easat-10344	29	5	use	use	NOUN
easat-10344	29	6	of	of	ADP
easat-10344	29	7	bayesian	bayesian	NOUN
easat-10344	29	8	inference	inference	NOUN
easat-10344	29	9	models	model	NOUN
easat-10344	29	10	,	,	PUNCT
easat-10344	29	11	specifically	specifically	ADV
easat-10344	29	12	naive	naive	ADJ
easat-10344	29	13	bayes	bayes	NOUN
easat-10344	29	14	classifiers	classifier	NOUN
easat-10344	29	15	and	and	CCONJ
easat-10344	29	16	bayesian	bayesian	NOUN
easat-10344	29	17	neural	neural	ADJ
easat-10344	29	18	networks	network	NOUN
easat-10344	29	19	(	(	PUNCT
easat-10344	29	20	bnns	bnns	ADJ
easat-10344	29	21	)	)	PUNCT
easat-10344	29	22	,	,	PUNCT
easat-10344	29	23	to	to	PART
easat-10344	29	24	estimate	estimate	VERB
easat-10344	29	25	default	default	NOUN
easat-10344	29	26	probabilities	probability	NOUN
easat-10344	29	27	based	base	VERB
easat-10344	29	28	on	on	ADP
easat-10344	29	29	socio	socio	NOUN
easat-10344	29	30	-	-	PUNCT
easat-10344	29	31	economic	economic	ADJ
easat-10344	29	32	variables	variable	NOUN
easat-10344	29	33	.	.	PUNCT
easat-10344	30	1	through	through	ADP
easat-10344	30	2	rigorous	rigorous	ADJ
easat-10344	30	3	preprocessing	preprocessing	NOUN
easat-10344	30	4	and	and	CCONJ
easat-10344	30	5	model	model	NOUN
easat-10344	30	6	training	training	NOUN
easat-10344	30	7	,	,	PUNCT
easat-10344	30	8	the	the	DET
easat-10344	30	9	research	research	NOUN
easat-10344	30	10	demonstrates	demonstrate	VERB
easat-10344	30	11	how	how	SCONJ
easat-10344	30	12	these	these	DET
easat-10344	30	13	probabilistic	probabilistic	ADJ
easat-10344	30	14	approaches	approach	NOUN
easat-10344	30	15	enable	enable	VERB
easat-10344	30	16	effective	effective	ADJ
easat-10344	30	17	customer	customer	NOUN
easat-10344	30	18	segmentation	segmentation	NOUN
easat-10344	30	19	by	by	ADP
easat-10344	30	20	credit	credit	NOUN
easat-10344	30	21	risk	risk	NOUN
easat-10344	30	22	level	level	NOUN
easat-10344	30	23	,	,	PUNCT
easat-10344	30	24	allowing	allow	VERB
easat-10344	30	25	for	for	ADP
easat-10344	30	26	personalized	personalized	ADJ
easat-10344	30	27	financial	financial	ADJ
easat-10344	30	28	recommendations	recommendation	NOUN
easat-10344	30	29	.	.	PUNCT
easat-10344	31	1	this	this	DET
easat-10344	31	2	contribution	contribution	NOUN
easat-10344	31	3	reinforces	reinforce	VERB
easat-10344	31	4	the	the	DET
easat-10344	31	5	relevance	relevance	NOUN
easat-10344	31	6	of	of	ADP
easat-10344	31	7	bayesian	bayesian	NOUN
easat-10344	31	8	methods	method	NOUN
easat-10344	31	9	in	in	ADP
easat-10344	31	10	financial	financial	ADJ
easat-10344	31	11	analytics	analytic	NOUN
easat-10344	31	12	and	and	CCONJ
easat-10344	31	13	supports	support	VERB
easat-10344	31	14	their	their	PRON
easat-10344	31	15	integration	integration	NOUN
easat-10344	31	16	into	into	ADP
easat-10344	31	17	customer	customer	NOUN
easat-10344	31	18	relationship	relationship	NOUN
easat-10344	31	19	management	management	NOUN
easat-10344	31	20	frameworks	framework	NOUN
easat-10344	31	21	.	.	PUNCT
easat-10344	32	1	this	this	DET
easat-10344	32	2	study	study	NOUN
easat-10344	32	3	focuses	focus	VERB
easat-10344	32	4	on	on	ADP
easat-10344	32	5	bayesian	bayesian	NOUN
easat-10344	32	6	modeling	modeling	NOUN
easat-10344	32	7	techniques	technique	NOUN
easat-10344	32	8	,	,	PUNCT
easat-10344	32	9	which	which	PRON
easat-10344	32	10	offer	offer	VERB
easat-10344	32	11	a	a	DET
easat-10344	32	12	probabilistic	probabilistic	ADJ
easat-10344	32	13	framework	framework	NOUN
easat-10344	32	14	to	to	PART
easat-10344	32	15	capture	capture	VERB
easat-10344	32	16	uncertainty	uncertainty	NOUN
easat-10344	32	17	in	in	ADP
easat-10344	32	18	financial	financial	ADJ
easat-10344	32	19	risk	risk	NOUN
easat-10344	32	20	assessment	assessment	NOUN
easat-10344	32	21	.	.	PUNCT
easat-10344	33	1	it	it	PRON
easat-10344	33	2	investigates	investigate	VERB
easat-10344	33	3	the	the	DET
easat-10344	33	4	practical	practical	ADJ
easat-10344	33	5	application	application	NOUN
easat-10344	33	6	of	of	ADP
easat-10344	33	7	bayes	bayes	PROPN
easat-10344	33	8	’	'	PUNCT
easat-10344	33	9	theorem	theorem	VERB
easat-10344	33	10	to	to	PART
easat-10344	33	11	predict	predict	VERB
easat-10344	33	12	credit	credit	NOUN
easat-10344	33	13	defaults	default	NOUN
easat-10344	33	14	and	and	CCONJ
easat-10344	33	15	guide	guide	VERB
easat-10344	33	16	marketing	marketing	NOUN
easat-10344	33	17	and	and	CCONJ
easat-10344	33	18	financial	financial	ADJ
easat-10344	33	19	decisions	decision	NOUN
easat-10344	33	20	,	,	PUNCT
easat-10344	33	21	using	use	VERB
easat-10344	33	22	two	two	NUM
easat-10344	33	23	key	key	ADJ
easat-10344	33	24	models	model	NOUN
easat-10344	33	25	:	:	PUNCT
easat-10344	33	26	the	the	DET
easat-10344	33	27	naive	naive	ADJ
easat-10344	33	28	bayes	bayes	NOUN
easat-10344	33	29	classifier	classifier	NOUN
easat-10344	33	30	and	and	CCONJ
easat-10344	33	31	bayesian	bayesian	NOUN
easat-10344	33	32	neural	neural	ADJ
easat-10344	33	33	networks	network	NOUN
easat-10344	33	34	(	(	PUNCT
easat-10344	33	35	bnns	bnns	ADJ
easat-10344	33	36	)	)	PUNCT
easat-10344	33	37	.	.	PUNCT
easat-10344	34	1	recent	recent	ADJ
easat-10344	34	2	research	research	NOUN
easat-10344	34	3	by	by	ADP
easat-10344	34	4	shakurov	shakurov	NOUN
easat-10344	34	5	[	[	X
easat-10344	34	6	7	7	NUM
easat-10344	34	7	]	]	PUNCT
easat-10344	34	8	demonstrates	demonstrate	VERB
easat-10344	34	9	the	the	DET
easat-10344	34	10	effectiveness	effectiveness	NOUN
easat-10344	34	11	of	of	ADP
easat-10344	34	12	bayesian	bayesian	NOUN
easat-10344	34	13	networks	network	NOUN
easat-10344	34	14	in	in	ADP
easat-10344	34	15	forecasting	forecast	VERB
easat-10344	34	16	credit	credit	NOUN
easat-10344	34	17	risk	risk	NOUN
easat-10344	34	18	,	,	PUNCT
easat-10344	34	19	while	while	SCONJ
easat-10344	34	20	shakurov	shakurov	VERB
easat-10344	34	21	[	[	X
easat-10344	34	22	7	7	NUM
easat-10344	34	23	]	]	PUNCT
easat-10344	34	24	highlights	highlight	VERB
easat-10344	34	25	the	the	DET
easat-10344	34	26	potential	potential	NOUN
easat-10344	34	27	of	of	ADP
easat-10344	34	28	neural	neural	ADJ
easat-10344	34	29	models	model	NOUN
easat-10344	34	30	in	in	ADP
easat-10344	34	31	adapting	adapt	VERB
easat-10344	34	32	to	to	ADP
easat-10344	34	33	complex	complex	ADJ
easat-10344	34	34	financial	financial	ADJ
easat-10344	34	35	environments	environment	NOUN
easat-10344	34	36	.	.	PUNCT
easat-10344	35	1	the	the	DET
easat-10344	35	2	research	research	NOUN
easat-10344	35	3	aims	aim	VERB
easat-10344	35	4	to	to	PART
easat-10344	35	5	analyze	analyze	VERB
easat-10344	35	6	the	the	DET
easat-10344	35	7	theoretical	theoretical	ADJ
easat-10344	35	8	foundations	foundation	NOUN
easat-10344	35	9	of	of	ADP
easat-10344	35	10	naive	naive	ADJ
easat-10344	35	11	bayes	bayes	NOUN
easat-10344	35	12	,	,	PUNCT
easat-10344	35	13	apply	apply	VERB
easat-10344	35	14	it	it	PRON
easat-10344	35	15	to	to	ADP
easat-10344	35	16	real	real	ADJ
easat-10344	35	17	-	-	PUNCT
easat-10344	35	18	world	world	NOUN
easat-10344	35	19	data	datum	NOUN
easat-10344	35	20	,	,	PUNCT
easat-10344	35	21	evaluate	evaluate	VERB
easat-10344	35	22	its	its	PRON
easat-10344	35	23	performance	performance	NOUN
easat-10344	35	24	,	,	PUNCT
easat-10344	35	25	and	and	CCONJ
easat-10344	35	26	compare	compare	VERB
easat-10344	35	27	it	it	PRON
easat-10344	35	28	with	with	ADP
easat-10344	35	29	bnns	bnn	NOUN
easat-10344	35	30	to	to	PART
easat-10344	35	31	segment	segment	VERB
easat-10344	35	32	clients	client	NOUN
easat-10344	35	33	and	and	CCONJ
easat-10344	35	34	propose	propose	VERB
easat-10344	35	35	targeted	target	VERB
easat-10344	35	36	marketing	marketing	NOUN
easat-10344	35	37	strategies	strategy	NOUN
easat-10344	35	38	.	.	PUNCT
easat-10344	36	1	2	2	X
easat-10344	36	2	.	.	X
easat-10344	36	3	literature	literature	NOUN
easat-10344	36	4	review	review	PROPN
easat-10344	36	5	customer	customer	NOUN
easat-10344	36	6	segmentation	segmentation	NOUN
easat-10344	36	7	is	be	AUX
easat-10344	36	8	widely	widely	ADV
easat-10344	36	9	recognized	recognize	VERB
easat-10344	36	10	as	as	ADP
easat-10344	36	11	a	a	DET
easat-10344	36	12	fundamental	fundamental	ADJ
easat-10344	36	13	strategic	strategic	ADJ
easat-10344	36	14	tool	tool	NOUN
easat-10344	36	15	in	in	ADP
easat-10344	36	16	both	both	PRON
easat-10344	36	17	marketing	marketing	NOUN
easat-10344	36	18	and	and	CCONJ
easat-10344	36	19	financial	financial	ADJ
easat-10344	36	20	services	service	NOUN
easat-10344	36	21	,	,	PUNCT
easat-10344	36	22	allowing	allow	VERB
easat-10344	36	23	institutions	institution	NOUN
easat-10344	36	24	to	to	PART
easat-10344	36	25	customize	customize	VERB
easat-10344	36	26	offerings	offering	NOUN
easat-10344	36	27	and	and	CCONJ
easat-10344	36	28	communications	communication	NOUN
easat-10344	36	29	according	accord	VERB
easat-10344	36	30	to	to	ADP
easat-10344	36	31	distinct	distinct	ADJ
easat-10344	36	32	client	client	NOUN
easat-10344	36	33	profiles	profile	NOUN
easat-10344	36	34	.	.	PUNCT
easat-10344	37	1	anderson	anderson	PROPN
easat-10344	38	1	[	[	X
easat-10344	38	2	8	8	NUM
easat-10344	38	3	]	]	PUNCT
easat-10344	38	4	highlights	highlight	NOUN
easat-10344	38	5	that	that	PRON
easat-10344	38	6	segmentation	segmentation	NOUN
easat-10344	38	7	in	in	ADP
easat-10344	38	8	credit	credit	NOUN
easat-10344	38	9	risk	risk	NOUN
easat-10344	38	10	management	management	NOUN
easat-10344	38	11	enhances	enhance	VERB
easat-10344	38	12	the	the	DET
easat-10344	38	13	precision	precision	NOUN
easat-10344	38	14	of	of	ADP
easat-10344	38	15	risk	risk	NOUN
easat-10344	38	16	assessments	assessment	NOUN
easat-10344	38	17	and	and	CCONJ
easat-10344	38	18	ensures	ensure	VERB
easat-10344	38	19	that	that	SCONJ
easat-10344	38	20	product	product	NOUN
easat-10344	38	21	parameters	parameter	NOUN
easat-10344	38	22	,	,	PUNCT
easat-10344	38	23	such	such	ADJ
easat-10344	38	24	as	as	ADP
easat-10344	38	25	loan	loan	NOUN
easat-10344	38	26	rates	rate	NOUN
easat-10344	38	27	and	and	CCONJ
easat-10344	38	28	repayment	repayment	NOUN
easat-10344	38	29	terms	term	NOUN
easat-10344	38	30	,	,	PUNCT
easat-10344	38	31	are	be	AUX
easat-10344	38	32	appropriately	appropriately	ADV
easat-10344	38	33	aligned	align	VERB
easat-10344	38	34	with	with	ADP
easat-10344	38	35	customer	customer	NOUN
easat-10344	38	36	risk	risk	NOUN
easat-10344	38	37	profiles	profile	NOUN
easat-10344	38	38	.	.	PUNCT
easat-10344	39	1	this	this	DET
easat-10344	39	2	process	process	NOUN
easat-10344	39	3	reflects	reflect	VERB
easat-10344	39	4	core	core	ADJ
easat-10344	39	5	marketing	marketing	NOUN
easat-10344	39	6	principles	principle	NOUN
easat-10344	39	7	,	,	PUNCT
easat-10344	39	8	whereby	whereby	SCONJ
easat-10344	39	9	segmentation	segmentation	NOUN
easat-10344	39	10	increases	increase	VERB
easat-10344	39	11	the	the	DET
easat-10344	39	12	relevance	relevance	NOUN
easat-10344	39	13	and	and	CCONJ
easat-10344	39	14	appeal	appeal	NOUN
easat-10344	39	15	of	of	ADP
easat-10344	39	16	services	service	NOUN
easat-10344	39	17	for	for	ADP
easat-10344	39	18	diverse	diverse	ADJ
easat-10344	39	19	customer	customer	NOUN
easat-10344	39	20	segments	segment	NOUN
easat-10344	39	21	.	.	PUNCT
easat-10344	40	1	building	build	VERB
easat-10344	40	2	on	on	ADP
easat-10344	40	3	this	this	PRON
easat-10344	40	4	,	,	PUNCT
easat-10344	40	5	gu	gu	NOUN
easat-10344	40	6	et	et	NOUN
easat-10344	40	7	al	al	PROPN
easat-10344	40	8	.	.	PUNCT
easat-10344	41	1	[	[	X
easat-10344	41	2	9	9	NUM
easat-10344	41	3	]	]	PUNCT
easat-10344	41	4	proposed	propose	VERB
easat-10344	41	5	lasca	lasca	NOUN
easat-10344	41	6	(	(	PUNCT
easat-10344	41	7	large	large	ADJ
easat-10344	41	8	-	-	PUNCT
easat-10344	41	9	scale	scale	NOUN
easat-10344	41	10	stable	stable	ADJ
easat-10344	41	11	customer	customer	NOUN
easat-10344	41	12	segmentation	segmentation	NOUN
easat-10344	41	13	approach	approach	NOUN
easat-10344	41	14	)	)	PUNCT
easat-10344	41	15	to	to	PART
easat-10344	41	16	overcome	overcome	VERB
easat-10344	41	17	the	the	DET
easat-10344	41	18	instability	instability	NOUN
easat-10344	41	19	and	and	CCONJ
easat-10344	41	20	inconsistency	inconsistency	NOUN
easat-10344	41	21	issues	issue	NOUN
easat-10344	41	22	common	common	ADJ
easat-10344	41	23	in	in	ADP
easat-10344	41	24	traditional	traditional	ADJ
easat-10344	41	25	segmentation	segmentation	NOUN
easat-10344	41	26	methods	method	NOUN
easat-10344	41	27	.	.	PUNCT
easat-10344	42	1	implemented	implement	VERB
easat-10344	42	2	within	within	ADP
easat-10344	42	3	alipay	alipay	PROPN
easat-10344	42	4	’s	’s	PART
easat-10344	42	5	credit	credit	NOUN
easat-10344	42	6	system	system	NOUN
easat-10344	42	7	,	,	PUNCT
easat-10344	42	8	lasca	lasca	NOUN
easat-10344	42	9	demonstrates	demonstrate	VERB
easat-10344	42	10	superior	superior	ADJ
easat-10344	42	11	stability	stability	NOUN
easat-10344	42	12	and	and	CCONJ
easat-10344	42	13	reliability	reliability	NOUN
easat-10344	42	14	,	,	PUNCT
easat-10344	42	15	thereby	thereby	ADV
easat-10344	42	16	supporting	support	VERB
easat-10344	42	17	more	more	ADV
easat-10344	42	18	accurate	accurate	ADJ
easat-10344	42	19	credit	credit	NOUN
easat-10344	42	20	risk	risk	NOUN
easat-10344	42	21	evaluations	evaluation	NOUN
easat-10344	42	22	and	and	CCONJ
easat-10344	42	23	informed	inform	VERB
easat-10344	42	24	lending	lending	NOUN
easat-10344	42	25	decisions	decision	NOUN
easat-10344	42	26	.	.	PUNCT
easat-10344	43	1	this	this	PRON
easat-10344	43	2	exemplifies	exemplify	VERB
easat-10344	43	3	how	how	SCONJ
easat-10344	43	4	advanced	advanced	ADJ
easat-10344	43	5	segmentation	segmentation	NOUN
easat-10344	43	6	techniques	technique	NOUN
easat-10344	43	7	contribute	contribute	VERB
easat-10344	43	8	to	to	ADP
easat-10344	43	9	operational	operational	ADJ
easat-10344	43	10	effectiveness	effectiveness	NOUN
easat-10344	43	11	in	in	ADP
easat-10344	43	12	financial	financial	ADJ
easat-10344	43	13	institutions	institution	NOUN
easat-10344	43	14	.	.	PUNCT
easat-10344	44	1	from	from	ADP
easat-10344	44	2	a	a	DET
easat-10344	44	3	managerial	managerial	ADJ
easat-10344	44	4	viewpoint	viewpoint	NOUN
easat-10344	44	5	,	,	PUNCT
easat-10344	44	6	kaur	kaur	PROPN
easat-10344	44	7	et	et	PROPN
easat-10344	44	8	al	al	PROPN
easat-10344	44	9	.	.	PUNCT
easat-10344	45	1	[	[	X
easat-10344	45	2	10	10	NUM
easat-10344	45	3	]	]	PUNCT
easat-10344	45	4	assert	assert	VERB
easat-10344	45	5	that	that	SCONJ
easat-10344	45	6	segmentation	segmentation	NOUN
easat-10344	45	7	based	base	VERB
easat-10344	45	8	on	on	ADP
easat-10344	45	9	customer	customer	NOUN
easat-10344	45	10	loyalty	loyalty	NOUN
easat-10344	45	11	and	and	CCONJ
easat-10344	45	12	switching	switch	VERB
easat-10344	45	13	intentions	intention	NOUN
easat-10344	45	14	is	be	AUX
easat-10344	45	15	critical	critical	ADJ
easat-10344	45	16	for	for	ADP
easat-10344	45	17	differentiating	differentiate	VERB
easat-10344	45	18	between	between	ADP
easat-10344	45	19	“	"	PUNCT
easat-10344	45	20	true	true	ADJ
easat-10344	45	21	loyals	loyal	NOUN
easat-10344	45	22	”	"	PUNCT
easat-10344	45	23	and	and	CCONJ
easat-10344	45	24	“	"	PUNCT
easat-10344	45	25	spurious	spurious	ADJ
easat-10344	45	26	stayers	stayer	NOUN
easat-10344	45	27	.	.	PUNCT
easat-10344	45	28	”	"	PUNCT
easat-10344	46	1	their	their	PRON
easat-10344	46	2	research	research	NOUN
easat-10344	46	3	emphasizes	emphasize	VERB
easat-10344	46	4	the	the	DET
easat-10344	46	5	significance	significance	NOUN
easat-10344	46	6	of	of	ADP
easat-10344	46	7	relational	relational	ADJ
easat-10344	46	8	factors	factor	NOUN
easat-10344	46	9	such	such	ADJ
easat-10344	46	10	as	as	ADP
easat-10344	46	11	trust	trust	NOUN
easat-10344	46	12	,	,	PUNCT
easat-10344	46	13	satisfaction	satisfaction	NOUN
easat-10344	46	14	,	,	PUNCT
easat-10344	46	15	and	and	CCONJ
easat-10344	46	16	switching	switch	VERB
easat-10344	46	17	barriers	barrier	NOUN
easat-10344	46	18	in	in	ADP
easat-10344	46	19	influencing	influence	VERB
easat-10344	46	20	customer	customer	NOUN
easat-10344	46	21	retention	retention	NOUN
easat-10344	46	22	strategies	strategy	NOUN
easat-10344	46	23	.	.	PUNCT
easat-10344	47	1	understanding	understand	VERB
easat-10344	47	2	these	these	DET
easat-10344	47	3	behavioral	behavioral	ADJ
easat-10344	47	4	dimensions	dimension	NOUN
easat-10344	47	5	enables	enable	VERB
easat-10344	47	6	financial	financial	ADJ
easat-10344	47	7	institutions	institution	NOUN
easat-10344	47	8	to	to	PART
easat-10344	47	9	tailor	tailor	VERB
easat-10344	47	10	interventions	intervention	NOUN
easat-10344	47	11	for	for	ADP
easat-10344	47	12	enhancing	enhance	VERB
easat-10344	47	13	loyalty	loyalty	NOUN
easat-10344	47	14	and	and	CCONJ
easat-10344	47	15	reducing	reduce	VERB
easat-10344	47	16	churn	churn	NOUN
easat-10344	47	17	.	.	PUNCT
easat-10344	48	1	collectively	collectively	ADV
easat-10344	48	2	,	,	PUNCT
easat-10344	48	3	these	these	DET
easat-10344	48	4	studies	study	NOUN
easat-10344	48	5	illustrate	illustrate	VERB
easat-10344	48	6	the	the	DET
easat-10344	48	7	multifaceted	multifaceted	ADJ
easat-10344	48	8	value	value	NOUN
easat-10344	48	9	of	of	ADP
easat-10344	48	10	customer	customer	NOUN
easat-10344	48	11	segmentation	segmentation	NOUN
easat-10344	48	12	:	:	PUNCT
easat-10344	48	13	operationally	operationally	ADV
easat-10344	48	14	,	,	PUNCT
easat-10344	48	15	it	it	PRON
easat-10344	48	16	refines	refine	VERB
easat-10344	48	17	risk	risk	NOUN
easat-10344	48	18	management	management	NOUN
easat-10344	48	19	and	and	CCONJ
easat-10344	48	20	product	product	NOUN
easat-10344	48	21	customization	customization	NOUN
easat-10344	48	22	,	,	PUNCT
easat-10344	48	23	while	while	SCONJ
easat-10344	48	24	strategically	strategically	ADV
easat-10344	48	25	,	,	PUNCT
easat-10344	48	26	it	it	PRON
easat-10344	48	27	empowers	empower	VERB
easat-10344	48	28	marketing	marketing	NOUN
easat-10344	48	29	efforts	effort	NOUN
easat-10344	48	30	through	through	ADP
easat-10344	48	31	personalized	personalized	ADJ
easat-10344	48	32	campaigns	campaign	NOUN
easat-10344	48	33	,	,	PUNCT
easat-10344	48	34	improved	improve	VERB
easat-10344	48	35	customer	customer	NOUN
easat-10344	48	36	retention	retention	NOUN
easat-10344	48	37	,	,	PUNCT
easat-10344	48	38	and	and	CCONJ
easat-10344	48	39	more	more	ADV
easat-10344	48	40	efficient	efficient	ADJ
easat-10344	48	41	resource	resource	NOUN
easat-10344	48	42	allocation	allocation	NOUN
easat-10344	48	43	.	.	PUNCT
easat-10344	49	1	these	these	DET
easat-10344	49	2	segmentation	segmentation	NOUN
easat-10344	49	3	insights	insight	NOUN
easat-10344	49	4	naturally	naturally	ADV
easat-10344	49	5	lead	lead	VERB
easat-10344	49	6	to	to	ADP
easat-10344	49	7	the	the	DET
easat-10344	49	8	exploration	exploration	NOUN
easat-10344	49	9	of	of	ADP
easat-10344	49	10	classification	classification	NOUN
easat-10344	49	11	methods	method	NOUN
easat-10344	49	12	,	,	PUNCT
easat-10344	49	13	such	such	ADJ
easat-10344	49	14	as	as	ADP
easat-10344	49	15	the	the	DET
easat-10344	49	16	naive	naive	ADJ
easat-10344	49	17	bayes	bayes	NOUN
easat-10344	49	18	classifier	classifier	NOUN
easat-10344	49	19	,	,	PUNCT
easat-10344	49	20	which	which	PRON
easat-10344	49	21	has	have	AUX
easat-10344	49	22	shown	show	VERB
easat-10344	49	23	strong	strong	ADJ
easat-10344	49	24	performance	performance	NOUN
easat-10344	49	25	despite	despite	SCONJ
easat-10344	49	26	its	its	PRON
easat-10344	49	27	simplifying	simplifying	NOUN
easat-10344	49	28	assumptions	assumption	NOUN
easat-10344	49	29	.	.	PUNCT
easat-10344	50	1	the	the	DET
easat-10344	50	2	naive	naive	ADJ
easat-10344	50	3	bayes	bayes	NOUN
easat-10344	50	4	classifier	classifier	NOUN
easat-10344	50	5	,	,	PUNCT
easat-10344	50	6	despite	despite	SCONJ
easat-10344	50	7	its	its	PRON
easat-10344	50	8	foundational	foundational	ADJ
easat-10344	50	9	assumption	assumption	NOUN
easat-10344	50	10	of	of	ADP
easat-10344	50	11	conditional	conditional	ADJ
easat-10344	50	12	independence	independence	NOUN
easat-10344	50	13	among	among	ADP
easat-10344	50	14	features	feature	NOUN
easat-10344	50	15	,	,	PUNCT
easat-10344	50	16	has	have	AUX
easat-10344	50	17	demonstrated	demonstrate	VERB
easat-10344	50	18	strong	strong	ADJ
easat-10344	50	19	performance	performance	NOUN
easat-10344	50	20	in	in	ADP
easat-10344	50	21	binary	binary	ADJ
easat-10344	50	22	classification	classification	NOUN
easat-10344	50	23	tasks	task	NOUN
easat-10344	50	24	such	such	ADJ
easat-10344	50	25	as	as	ADP
easat-10344	50	26	credit	credit	NOUN
easat-10344	50	27	scoring	scoring	NOUN
easat-10344	50	28	.	.	PUNCT
easat-10344	51	1	originally	originally	ADV
easat-10344	51	2	developed	develop	VERB
easat-10344	51	3	for	for	ADP
easat-10344	51	4	applications	application	NOUN
easat-10344	51	5	like	like	ADP
easat-10344	51	6	spam	spam	NOUN
easat-10344	51	7	filtering	filtering	NOUN
easat-10344	51	8	and	and	CCONJ
easat-10344	51	9	text	text	NOUN
easat-10344	51	10	categorization	categorization	NOUN
easat-10344	51	11	,	,	PUNCT
easat-10344	51	12	it	it	PRON
easat-10344	51	13	has	have	AUX
easat-10344	51	14	proven	prove	VERB
easat-10344	51	15	to	to	PART
easat-10344	51	16	be	be	AUX
easat-10344	51	17	surprisingly	surprisingly	ADV
easat-10344	51	18	robust	robust	ADJ
easat-10344	51	19	in	in	ADP
easat-10344	51	20	financial	financial	ADJ
easat-10344	51	21	contexts	contexts	NOUN
easat-10344	51	22	.	.	PUNCT
easat-10344	52	1	hounnou	hounnou	PROPN
easat-10344	53	1	[	[	X
easat-10344	53	2	11	11	NUM
easat-10344	53	3	]	]	PUNCT
easat-10344	53	4	showed	show	VERB
easat-10344	53	5	that	that	SCONJ
easat-10344	53	6	,	,	PUNCT
easat-10344	53	7	when	when	SCONJ
easat-10344	53	8	applied	apply	VERB
easat-10344	53	9	to	to	ADP
easat-10344	53	10	wellpreprocessed	wellpreprocesse	VERB
easat-10344	53	11	data	datum	NOUN
easat-10344	53	12	,	,	PUNCT
easat-10344	53	13	bayesian	bayesian	NOUN
easat-10344	53	14	methods	method	NOUN
easat-10344	53	15	,	,	PUNCT
easat-10344	53	16	including	include	VERB
easat-10344	53	17	naive	naive	ADJ
easat-10344	53	18	bayes	bayes	NOUN
easat-10344	53	19	classifiers	classifier	NOUN
easat-10344	53	20	and	and	CCONJ
easat-10344	53	21	bayesian	bayesian	NOUN
easat-10344	53	22	neural	neural	ADJ
easat-10344	53	23	networks	network	NOUN
easat-10344	53	24	(	(	PUNCT
easat-10344	53	25	bnns	bnns	ADJ
easat-10344	53	26	)	)	PUNCT
easat-10344	53	27	,	,	PUNCT
easat-10344	53	28	offer	offer	VERB
easat-10344	53	29	statistically	statistically	ADV
easat-10344	53	30	robust	robust	ADJ
easat-10344	53	31	approaches	approach	NOUN
easat-10344	53	32	for	for	ADP
easat-10344	53	33	predicting	predict	VERB
easat-10344	53	34	bank	bank	NOUN
easat-10344	53	35	customer	customer	NOUN
easat-10344	53	36	default	default	NOUN
easat-10344	53	37	based	base	VERB
easat-10344	53	38	on	on	ADP
easat-10344	53	39	socioeconomic	socioeconomic	ADJ
easat-10344	53	40	factors	factor	NOUN
easat-10344	53	41	.	.	PUNCT
easat-10344	54	1	these	these	DET
easat-10344	54	2	models	model	NOUN
easat-10344	54	3	leverage	leverage	VERB
easat-10344	54	4	bayes	baye	NOUN
easat-10344	54	5	’	'	PUNCT
easat-10344	54	6	theorem	theorem	ADJ
easat-10344	54	7	and	and	CCONJ
easat-10344	54	8	conditional	conditional	ADJ
easat-10344	54	9	independence	independence	NOUN
easat-10344	54	10	to	to	PART
easat-10344	54	11	provide	provide	VERB
easat-10344	54	12	interpretable	interpretable	ADJ
easat-10344	54	13	probabilistic	probabilistic	ADJ
easat-10344	54	14	predictions	prediction	NOUN
easat-10344	54	15	,	,	PUNCT
easat-10344	54	16	optimized	optimize	VERB
easat-10344	54	17	through	through	ADP
easat-10344	54	18	modern	modern	ADJ
easat-10344	54	19	python	python	PROPN
easat-10344	54	20	implementations	implementation	NOUN
easat-10344	54	21	such	such	ADJ
easat-10344	54	22	as	as	ADP
easat-10344	54	23	scikit	scikit	NOUN
easat-10344	54	24	-	-	PUNCT
easat-10344	54	25	learn	learn	VERB
easat-10344	54	26	and	and	CCONJ
easat-10344	54	27	tensorflow	tensorflow	NOUN
easat-10344	54	28	probability	probability	NOUN
easat-10344	54	29	.	.	PUNCT
easat-10344	55	1	as	as	SCONJ
easat-10344	55	2	demonstrated	demonstrate	VERB
easat-10344	55	3	by	by	ADP
easat-10344	55	4	ziadi	ziadi	NOUN
easat-10344	55	5	and	and	CCONJ
easat-10344	55	6	gafsi	gafsi	NOUN
easat-10344	56	1	[	[	X
easat-10344	56	2	12	12	NUM
easat-10344	56	3	]	]	PUNCT
easat-10344	56	4	,	,	PUNCT
easat-10344	56	5	this	this	DET
easat-10344	56	6	bayesian	bayesian	NOUN
easat-10344	56	7	85	85	NUM
easat-10344	56	8	edelweiss	edelweiss	PROPN
easat-10344	56	9	applied	apply	VERB
easat-10344	56	10	science	science	NOUN
easat-10344	56	11	and	and	CCONJ
easat-10344	56	12	technology	technology	NOUN
easat-10344	56	13	issn	issn	PROPN
easat-10344	56	14	:	:	PUNCT
easat-10344	56	15	2576	2576	NUM
easat-10344	56	16	-	-	SYM
easat-10344	56	17	8484	8484	NUM
easat-10344	56	18	vol	vol	NOUN
easat-10344	56	19	.	.	PROPN
easat-10344	57	1	9	9	NUM
easat-10344	57	2	,	,	PUNCT
easat-10344	57	3	no	no	INTJ
easat-10344	57	4	.	.	NOUN
easat-10344	57	5	10	10	NUM
easat-10344	57	6	:	:	PUNCT
easat-10344	57	7	83	83	NUM
easat-10344	57	8	-	-	SYM
easat-10344	57	9	103	103	NUM
easat-10344	57	10	,	,	PUNCT
easat-10344	57	11	2025	2025	NUM
easat-10344	57	12	doi	doi	NOUN
easat-10344	57	13	:	:	PUNCT
easat-10344	57	14	10.55214/2576	10.55214/2576	NUM
easat-10344	57	15	-	-	PUNCT
easat-10344	57	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	57	17	©	©	PROPN
easat-10344	57	18	2025	2025	NUM
easat-10344	57	19	by	by	ADP
easat-10344	57	20	the	the	DET
easat-10344	57	21	authors	author	NOUN
easat-10344	57	22	;	;	PUNCT
easat-10344	57	23	licensee	licensee	PROPN
easat-10344	57	24	learning	learn	VERB
easat-10344	57	25	gate	gate	NOUN
easat-10344	57	26	framework	framework	NOUN
easat-10344	57	27	enhances	enhance	VERB
easat-10344	57	28	credit	credit	NOUN
easat-10344	57	29	risk	risk	NOUN
easat-10344	57	30	segmentation	segmentation	NOUN
easat-10344	57	31	and	and	CCONJ
easat-10344	57	32	supports	support	VERB
easat-10344	57	33	personalized	personalize	VERB
easat-10344	57	34	financial	financial	ADJ
easat-10344	57	35	product	product	NOUN
easat-10344	57	36	recommendations	recommendation	NOUN
easat-10344	57	37	,	,	PUNCT
easat-10344	57	38	aiding	aid	VERB
easat-10344	57	39	strategic	strategic	ADJ
easat-10344	57	40	decision	decision	NOUN
easat-10344	57	41	-	-	PUNCT
easat-10344	57	42	making	making	NOUN
easat-10344	57	43	in	in	ADP
easat-10344	57	44	the	the	DET
easat-10344	57	45	banking	banking	NOUN
easat-10344	57	46	sector	sector	NOUN
easat-10344	57	47	.	.	PUNCT
easat-10344	58	1	naive	naive	ADJ
easat-10344	58	2	bayes	bayes	PROPN
easat-10344	58	3	can	can	AUX
easat-10344	58	4	rival	rival	VERB
easat-10344	58	5	more	more	ADJ
easat-10344	58	6	complex	complex	ADJ
easat-10344	58	7	models	model	NOUN
easat-10344	58	8	in	in	ADP
easat-10344	58	9	terms	term	NOUN
easat-10344	58	10	of	of	ADP
easat-10344	58	11	predictive	predictive	ADJ
easat-10344	58	12	accuracy	accuracy	NOUN
easat-10344	58	13	.	.	PUNCT
easat-10344	59	1	this	this	PRON
easat-10344	59	2	leads	lead	VERB
easat-10344	59	3	to	to	ADP
easat-10344	59	4	the	the	DET
easat-10344	59	5	first	first	ADJ
easat-10344	59	6	hypothesis	hypothesis	NOUN
easat-10344	59	7	:	:	PUNCT
easat-10344	59	8	naive	naive	ADJ
easat-10344	59	9	bayes	bayes	NOUN
easat-10344	59	10	provides	provide	VERB
easat-10344	59	11	a	a	DET
easat-10344	59	12	reasonably	reasonably	ADV
easat-10344	59	13	accurate	accurate	ADJ
easat-10344	59	14	estimate	estimate	NOUN
easat-10344	59	15	of	of	ADP
easat-10344	59	16	credit	credit	NOUN
easat-10344	59	17	default	default	NOUN
easat-10344	59	18	risk	risk	NOUN
easat-10344	59	19	despite	despite	SCONJ
easat-10344	59	20	its	its	PRON
easat-10344	59	21	strong	strong	ADJ
easat-10344	59	22	independence	independence	NOUN
easat-10344	59	23	assumptions	assumption	NOUN
easat-10344	59	24	.	.	PUNCT
easat-10344	60	1	bayesian	bayesian	NOUN
easat-10344	60	2	neural	neural	ADJ
easat-10344	60	3	networks	network	NOUN
easat-10344	60	4	(	(	PUNCT
easat-10344	60	5	bnns	bnns	ADJ
easat-10344	60	6	)	)	PUNCT
easat-10344	60	7	extend	extend	VERB
easat-10344	60	8	traditional	traditional	ADJ
easat-10344	60	9	neural	neural	ADJ
easat-10344	60	10	architectures	architecture	NOUN
easat-10344	60	11	by	by	ADP
easat-10344	60	12	treating	treat	VERB
easat-10344	60	13	weights	weight	NOUN
easat-10344	60	14	as	as	ADP
easat-10344	60	15	probability	probability	NOUN
easat-10344	60	16	distributions	distribution	NOUN
easat-10344	60	17	rather	rather	ADV
easat-10344	60	18	than	than	ADP
easat-10344	60	19	fixed	fix	VERB
easat-10344	60	20	parameters	parameter	NOUN
easat-10344	60	21	.	.	PUNCT
easat-10344	61	1	this	this	DET
easat-10344	61	2	probabilistic	probabilistic	ADJ
easat-10344	61	3	approach	approach	NOUN
easat-10344	61	4	allows	allow	VERB
easat-10344	61	5	for	for	ADP
easat-10344	61	6	a	a	DET
easat-10344	61	7	more	more	ADV
easat-10344	61	8	nuanced	nuanced	ADJ
easat-10344	61	9	quantification	quantification	NOUN
easat-10344	61	10	of	of	ADP
easat-10344	61	11	uncertainty	uncertainty	NOUN
easat-10344	61	12	,	,	PUNCT
easat-10344	61	13	which	which	PRON
easat-10344	61	14	is	be	AUX
easat-10344	61	15	particularly	particularly	ADV
easat-10344	61	16	valuable	valuable	ADJ
easat-10344	61	17	in	in	ADP
easat-10344	61	18	high	high	ADJ
easat-10344	61	19	-	-	PUNCT
easat-10344	61	20	stakes	stake	NOUN
easat-10344	61	21	domains	domain	NOUN
easat-10344	61	22	like	like	ADP
easat-10344	61	23	lending	lending	NOUN
easat-10344	61	24	.	.	PUNCT
easat-10344	62	1	gu	gu	NOUN
easat-10344	62	2	et	et	PROPN
easat-10344	62	3	al	al	PROPN
easat-10344	62	4	.	.	PUNCT
easat-10344	63	1	[	[	X
easat-10344	63	2	9	9	NUM
easat-10344	63	3	]	]	PUNCT
easat-10344	63	4	demonstrated	demonstrate	VERB
easat-10344	63	5	that	that	SCONJ
easat-10344	63	6	bnns	bnn	NOUN
easat-10344	63	7	outperform	outperform	ADJ
easat-10344	63	8	classical	classical	ADJ
easat-10344	63	9	neural	neural	ADJ
easat-10344	63	10	networks	network	NOUN
easat-10344	63	11	in	in	ADP
easat-10344	63	12	terms	term	NOUN
easat-10344	63	13	of	of	ADP
easat-10344	63	14	calibration	calibration	NOUN
easat-10344	63	15	and	and	CCONJ
easat-10344	63	16	reliability	reliability	NOUN
easat-10344	63	17	,	,	PUNCT
easat-10344	63	18	especially	especially	ADV
easat-10344	63	19	in	in	ADP
easat-10344	63	20	sensitive	sensitive	ADJ
easat-10344	63	21	fields	field	NOUN
easat-10344	63	22	such	such	ADJ
easat-10344	63	23	as	as	ADP
easat-10344	63	24	medicine	medicine	NOUN
easat-10344	63	25	and	and	CCONJ
easat-10344	63	26	finance	finance	NOUN
easat-10344	63	27	.	.	PUNCT
easat-10344	64	1	thus	thus	ADV
easat-10344	64	2	,	,	PUNCT
easat-10344	64	3	the	the	DET
easat-10344	64	4	second	second	ADJ
easat-10344	64	5	hypothesis	hypothesis	NOUN
easat-10344	64	6	is	be	AUX
easat-10344	64	7	:	:	PUNCT
easat-10344	64	8	the	the	DET
easat-10344	64	9	inclusion	inclusion	NOUN
easat-10344	64	10	of	of	ADP
easat-10344	64	11	relevant	relevant	ADJ
easat-10344	64	12	financial	financial	ADJ
easat-10344	64	13	indicators	indicator	NOUN
easat-10344	64	14	such	such	ADJ
easat-10344	64	15	as	as	ADP
easat-10344	64	16	income	income	NOUN
easat-10344	64	17	,	,	PUNCT
easat-10344	64	18	debt	debt	NOUN
easat-10344	64	19	levels	level	NOUN
easat-10344	64	20	,	,	PUNCT
easat-10344	64	21	credit	credit	NOUN
easat-10344	64	22	history	history	NOUN
easat-10344	64	23	,	,	PUNCT
easat-10344	64	24	and	and	CCONJ
easat-10344	64	25	domain	domain	NOUN
easat-10344	64	26	-	-	PUNCT
easat-10344	64	27	specific	specific	ADJ
easat-10344	64	28	financial	financial	ADJ
easat-10344	64	29	ratios	ratio	NOUN
easat-10344	64	30	has	have	AUX
easat-10344	64	31	been	be	AUX
easat-10344	64	32	shown	show	VERB
easat-10344	64	33	to	to	PART
easat-10344	64	34	significantly	significantly	ADV
easat-10344	64	35	enhance	enhance	VERB
easat-10344	64	36	the	the	DET
easat-10344	64	37	performance	performance	NOUN
easat-10344	64	38	of	of	ADP
easat-10344	64	39	credit	credit	NOUN
easat-10344	64	40	risk	risk	NOUN
easat-10344	64	41	prediction	prediction	NOUN
easat-10344	64	42	models	model	NOUN
easat-10344	64	43	.	.	PUNCT
easat-10344	65	1	these	these	DET
easat-10344	65	2	variables	variable	NOUN
easat-10344	65	3	provide	provide	VERB
easat-10344	65	4	deeper	deep	ADJ
easat-10344	65	5	insights	insight	NOUN
easat-10344	65	6	into	into	ADP
easat-10344	65	7	borrower	borrower	NOUN
easat-10344	65	8	behavior	behavior	NOUN
easat-10344	65	9	and	and	CCONJ
easat-10344	65	10	financial	financial	ADJ
easat-10344	65	11	stability	stability	NOUN
easat-10344	65	12	,	,	PUNCT
easat-10344	65	13	allowing	allow	VERB
easat-10344	65	14	models	model	NOUN
easat-10344	65	15	to	to	PART
easat-10344	65	16	capture	capture	VERB
easat-10344	65	17	more	more	ADV
easat-10344	65	18	complex	complex	ADJ
easat-10344	65	19	patterns	pattern	NOUN
easat-10344	65	20	.	.	PUNCT
easat-10344	66	1	therefore	therefore	ADV
easat-10344	66	2	,	,	PUNCT
easat-10344	66	3	the	the	DET
easat-10344	66	4	third	third	ADJ
easat-10344	66	5	hypothesis	hypothesis	NOUN
easat-10344	66	6	is	be	AUX
easat-10344	66	7	:	:	PUNCT
easat-10344	66	8	incorporating	incorporate	VERB
easat-10344	66	9	financial	financial	ADJ
easat-10344	66	10	indicators	indicator	NOUN
easat-10344	66	11	and	and	CCONJ
easat-10344	66	12	ratios	ratio	NOUN
easat-10344	66	13	significantly	significantly	ADV
easat-10344	66	14	improves	improve	VERB
easat-10344	66	15	the	the	DET
easat-10344	66	16	accuracy	accuracy	NOUN
easat-10344	66	17	and	and	CCONJ
easat-10344	66	18	reliability	reliability	NOUN
easat-10344	66	19	of	of	ADP
easat-10344	66	20	credit	credit	NOUN
easat-10344	66	21	risk	risk	NOUN
easat-10344	66	22	prediction	prediction	NOUN
easat-10344	66	23	models	model	NOUN
easat-10344	66	24	.	.	PUNCT
easat-10344	67	1	data	datum	NOUN
easat-10344	67	2	quality	quality	NOUN
easat-10344	67	3	plays	play	VERB
easat-10344	67	4	a	a	DET
easat-10344	67	5	critical	critical	ADJ
easat-10344	67	6	role	role	NOUN
easat-10344	67	7	in	in	ADP
easat-10344	67	8	the	the	DET
easat-10344	67	9	performance	performance	NOUN
easat-10344	67	10	of	of	ADP
easat-10344	67	11	machine	machine	NOUN
easat-10344	67	12	learning	learning	NOUN
easat-10344	67	13	models	model	NOUN
easat-10344	67	14	.	.	PUNCT
easat-10344	68	1	techniques	technique	NOUN
easat-10344	68	2	such	such	ADJ
easat-10344	68	3	as	as	ADP
easat-10344	68	4	handling	handle	VERB
easat-10344	68	5	missing	miss	VERB
easat-10344	68	6	values	value	NOUN
easat-10344	68	7	,	,	PUNCT
easat-10344	68	8	normalization	normalization	NOUN
easat-10344	68	9	,	,	PUNCT
easat-10344	68	10	and	and	CCONJ
easat-10344	68	11	de	de	NOUN
easat-10344	68	12	-	-	NOUN
easat-10344	68	13	duplication	duplication	NOUN
easat-10344	68	14	directly	directly	ADV
easat-10344	68	15	affect	affect	VERB
easat-10344	68	16	the	the	DET
easat-10344	68	17	model	model	NOUN
easat-10344	68	18	’s	’s	PART
easat-10344	68	19	ability	ability	NOUN
easat-10344	68	20	to	to	PART
easat-10344	68	21	generalize	generalize	VERB
easat-10344	68	22	and	and	CCONJ
easat-10344	68	23	produce	produce	VERB
easat-10344	68	24	accurate	accurate	ADJ
easat-10344	68	25	predictions	prediction	NOUN
easat-10344	68	26	.	.	PUNCT
easat-10344	69	1	poor	poor	ADJ
easat-10344	69	2	data	datum	NOUN
easat-10344	69	3	quality	quality	NOUN
easat-10344	69	4	can	can	AUX
easat-10344	69	5	introduce	introduce	VERB
easat-10344	69	6	bias	bias	NOUN
easat-10344	69	7	,	,	PUNCT
easat-10344	69	8	reduce	reduce	VERB
easat-10344	69	9	model	model	NOUN
easat-10344	69	10	robustness	robustness	NOUN
easat-10344	69	11	,	,	PUNCT
easat-10344	69	12	and	and	CCONJ
easat-10344	69	13	lead	lead	VERB
easat-10344	69	14	to	to	ADP
easat-10344	69	15	misleading	mislead	VERB
easat-10344	69	16	outcomes	outcome	NOUN
easat-10344	69	17	.	.	PUNCT
easat-10344	70	1	accordingly	accordingly	ADV
easat-10344	70	2	,	,	PUNCT
easat-10344	70	3	the	the	DET
easat-10344	70	4	fourth	fourth	ADJ
easat-10344	70	5	hypothesis	hypothesis	NOUN
easat-10344	70	6	is	be	AUX
easat-10344	70	7	:	:	PUNCT
easat-10344	70	8	data	data	NOUN
easat-10344	70	9	quality	quality	NOUN
easat-10344	70	10	has	have	VERB
easat-10344	70	11	a	a	DET
easat-10344	70	12	direct	direct	ADJ
easat-10344	70	13	impact	impact	NOUN
easat-10344	70	14	on	on	ADP
easat-10344	70	15	the	the	DET
easat-10344	70	16	predictive	predictive	ADJ
easat-10344	70	17	accuracy	accuracy	NOUN
easat-10344	70	18	and	and	CCONJ
easat-10344	70	19	generalizability	generalizability	NOUN
easat-10344	70	20	of	of	ADP
easat-10344	70	21	credit	credit	NOUN
easat-10344	70	22	risk	risk	NOUN
easat-10344	70	23	models	model	NOUN
easat-10344	70	24	.	.	PUNCT
easat-10344	71	1	3	3	X
easat-10344	71	2	.	.	X
easat-10344	71	3	mathematical	mathematical	ADJ
easat-10344	71	4	foundations	foundation	NOUN
easat-10344	71	5	of	of	ADP
easat-10344	71	6	the	the	DET
easat-10344	71	7	naive	naive	ADJ
easat-10344	71	8	bayes	bayes	NOUN
easat-10344	71	9	model	model	NOUN
easat-10344	71	10	this	this	DET
easat-10344	71	11	paragraph	paragraph	NOUN
easat-10344	71	12	presents	present	VERB
easat-10344	71	13	the	the	DET
easat-10344	71	14	mathematical	mathematical	ADJ
easat-10344	71	15	foundations	foundation	NOUN
easat-10344	71	16	of	of	ADP
easat-10344	71	17	the	the	DET
easat-10344	71	18	naive	naive	ADJ
easat-10344	71	19	bayes	bayes	NOUN
easat-10344	71	20	model	model	NOUN
easat-10344	71	21	,	,	PUNCT
easat-10344	71	22	detailing	detail	VERB
easat-10344	71	23	its	its	PRON
easat-10344	71	24	probabilistic	probabilistic	ADJ
easat-10344	71	25	assumptions	assumption	NOUN
easat-10344	71	26	,	,	PUNCT
easat-10344	71	27	formal	formal	ADJ
easat-10344	71	28	structure	structure	NOUN
easat-10344	71	29	,	,	PUNCT
easat-10344	71	30	and	and	CCONJ
easat-10344	71	31	the	the	DET
easat-10344	71	32	underlying	underlie	VERB
easat-10344	71	33	principles	principle	NOUN
easat-10344	71	34	that	that	PRON
easat-10344	71	35	govern	govern	VERB
easat-10344	71	36	its	its	PRON
easat-10344	71	37	classification	classification	NOUN
easat-10344	71	38	capabilities	capability	NOUN
easat-10344	71	39	.	.	PUNCT
easat-10344	72	1	3.1	3.1	NUM
easat-10344	72	2	.	.	PUNCT
easat-10344	72	3	preliminaries	preliminary	NOUN
easat-10344	72	4	:	:	PUNCT
easat-10344	72	5	conditional	conditional	ADJ
easat-10344	72	6	probability	probability	NOUN
easat-10344	72	7	and	and	CCONJ
easat-10344	72	8	bayes	bayes	PROPN
easat-10344	72	9	’	'	PUNCT
easat-10344	72	10	theorem	theorem	VERB
easat-10344	72	11	let	let	VERB
easat-10344	72	12	a	a	PRON
easat-10344	72	13	and	and	CCONJ
easat-10344	72	14	b	b	NOUN
easat-10344	72	15	be	be	AUX
easat-10344	72	16	two	two	NUM
easat-10344	72	17	events	event	NOUN
easat-10344	72	18	in	in	ADP
easat-10344	72	19	a	a	DET
easat-10344	72	20	probability	probability	NOUN
easat-10344	72	21	space	space	NOUN
easat-10344	72	22	ω	ω	NOUN
easat-10344	72	23	.	.	PUNCT
easat-10344	73	1	the	the	DET
easat-10344	73	2	conditional	conditional	ADJ
easat-10344	73	3	probability	probability	NOUN
easat-10344	73	4	of	of	ADP
easat-10344	73	5	a	a	DET
easat-10344	73	6	given	give	VERB
easat-10344	73	7	b	b	NOUN
easat-10344	73	8	is	be	AUX
easat-10344	73	9	defined	define	VERB
easat-10344	73	10	as	as	ADP
easat-10344	73	11	:	:	PUNCT
easat-10344	73	12	the	the	DET
easat-10344	73	13	conditional	conditional	ADJ
easat-10344	73	14	probability	probability	NOUN
easat-10344	73	15	of	of	ADP
easat-10344	73	16	event	event	NOUN
easat-10344	73	17	a	a	DET
easat-10344	73	18	given	give	VERB
easat-10344	73	19	event	event	NOUN
easat-10344	73	20	b	b	PROPN
easat-10344	73	21	is	be	AUX
easat-10344	73	22	defined	define	VERB
easat-10344	73	23	as	as	ADP
easat-10344	73	24	:	:	PUNCT
easat-10344	73	25	p(a	p(a	PROPN
easat-10344	73	26	|	|	NOUN
easat-10344	73	27	b	b	NOUN
easat-10344	73	28	)	)	PUNCT
easat-10344	73	29	=	=	SYM
easat-10344	73	30	p(a	p(a	PROPN
easat-10344	73	31	∩	∩	PROPN
easat-10344	73	32	b	b	X
easat-10344	73	33	)	)	PUNCT
easat-10344	73	34	/	/	SYM
easat-10344	73	35	p(b	p(b	PROPN
easat-10344	73	36	)	)	PUNCT
easat-10344	73	37	(	(	PUNCT
easat-10344	73	38	1	1	X
easat-10344	73	39	)	)	PUNCT
easat-10344	73	40	bayes	bayes	PROPN
easat-10344	73	41	’	'	PUNCT
easat-10344	73	42	theorem	theorem	NOUN
easat-10344	73	43	allows	allow	VERB
easat-10344	73	44	the	the	DET
easat-10344	73	45	inversion	inversion	NOUN
easat-10344	73	46	of	of	ADP
easat-10344	73	47	conditional	conditional	ADJ
easat-10344	73	48	probabilities	probability	NOUN
easat-10344	73	49	:	:	PUNCT
easat-10344	73	50	p(a	p(a	PROPN
easat-10344	73	51	|	|	NOUN
easat-10344	73	52	b	b	NOUN
easat-10344	73	53	)	)	PUNCT
easat-10344	73	54	=	=	PUNCT
easat-10344	73	55	p(b	p(b	PROPN
easat-10344	73	56	|	|	ADV
easat-10344	73	57	a	a	NOUN
easat-10344	73	58	)	)	PUNCT
easat-10344	73	59	·	·	PUNCT
easat-10344	73	60	p(a	p(a	NOUN
easat-10344	73	61	)	)	PUNCT
easat-10344	73	62	/	/	SYM
easat-10344	73	63	p(b	p(b	PROPN
easat-10344	73	64	)	)	PUNCT
easat-10344	73	65	(	(	PUNCT
easat-10344	73	66	2	2	X
easat-10344	73	67	)	)	PUNCT
easat-10344	73	68	bayesian	bayesian	NOUN
easat-10344	73	69	inference	inference	NOUN
easat-10344	73	70	is	be	AUX
easat-10344	73	71	about	about	ADV
easat-10344	73	72	fine	fine	ADV
easat-10344	73	73	-	-	PUNCT
easat-10344	73	74	tuning	tune	VERB
easat-10344	73	75	our	our	PRON
easat-10344	73	76	expectations	expectation	NOUN
easat-10344	73	77	.	.	PUNCT
easat-10344	74	1	it	it	PRON
easat-10344	74	2	helps	help	VERB
easat-10344	74	3	us	we	PRON
easat-10344	74	4	reassess	reassess	VERB
easat-10344	74	5	how	how	SCONJ
easat-10344	74	6	likely	likely	ADV
easat-10344	74	7	we	we	PRON
easat-10344	74	8	think	think	VERB
easat-10344	74	9	event	event	NOUN
easat-10344	74	10	a	a	PRON
easat-10344	74	11	is	be	AUX
easat-10344	74	12	when	when	SCONJ
easat-10344	74	13	we	we	PRON
easat-10344	74	14	encounter	encounter	VERB
easat-10344	74	15	new	new	ADJ
easat-10344	74	16	evidence	evidence	NOUN
easat-10344	74	17	b.	b.	NOUN
easat-10344	75	1	this	this	DET
easat-10344	75	2	concept	concept	NOUN
easat-10344	75	3	is	be	AUX
easat-10344	75	4	incredibly	incredibly	ADV
easat-10344	75	5	useful	useful	ADJ
easat-10344	75	6	in	in	ADP
easat-10344	75	7	supervised	supervised	ADJ
easat-10344	75	8	classification	classification	NOUN
easat-10344	75	9	.	.	PUNCT
easat-10344	76	1	it	it	PRON
easat-10344	76	2	enables	enable	VERB
easat-10344	76	3	us	we	PRON
easat-10344	76	4	to	to	PART
easat-10344	76	5	determine	determine	VERB
easat-10344	76	6	the	the	DET
easat-10344	76	7	likelihood	likelihood	NOUN
easat-10344	76	8	that	that	SCONJ
easat-10344	76	9	someone	someone	PRON
easat-10344	76	10	belongs	belong	VERB
easat-10344	76	11	to	to	ADP
easat-10344	76	12	a	a	DET
easat-10344	76	13	specific	specific	ADJ
easat-10344	76	14	category	category	NOUN
easat-10344	76	15	based	base	VERB
easat-10344	76	16	on	on	ADP
easat-10344	76	17	the	the	DET
easat-10344	76	18	characteristics	characteristic	NOUN
easat-10344	76	19	we	we	PRON
easat-10344	76	20	can	can	AUX
easat-10344	76	21	observe	observe	VERB
easat-10344	76	22	.	.	PUNCT
easat-10344	77	1	3.2	3.2	NUM
easat-10344	77	2	.	.	PUNCT
easat-10344	77	3	naive	naive	ADJ
easat-10344	77	4	bayes	bayes	PROPN
easat-10344	77	5	model	model	NOUN
easat-10344	77	6	formulation	formulation	NOUN
easat-10344	77	7	let	let	VERB
easat-10344	77	8	y	y	PROPN
easat-10344	77	9	∈	∈	PROPN
easat-10344	77	10	y	y	PROPN
easat-10344	77	11	be	be	AUX
easat-10344	77	12	a	a	DET
easat-10344	77	13	discrete	discrete	ADJ
easat-10344	77	14	random	random	ADJ
easat-10344	77	15	variable	variable	NOUN
easat-10344	77	16	representing	represent	VERB
easat-10344	77	17	the	the	DET
easat-10344	77	18	class	class	NOUN
easat-10344	77	19	label	label	NOUN
easat-10344	77	20	(	(	PUNCT
easat-10344	77	21	e.g.	e.g.	ADV
easat-10344	77	22	,	,	PUNCT
easat-10344	77	23	default	default	NOUN
easat-10344	77	24	or	or	CCONJ
easat-10344	77	25	no	no	DET
easat-10344	77	26	default	default	NOUN
easat-10344	77	27	)	)	PUNCT
easat-10344	77	28	,	,	PUNCT
easat-10344	77	29	and	and	CCONJ
easat-10344	77	30	let	let	VERB
easat-10344	77	31	x	x	PUNCT
easat-10344	77	32	=	=	SYM
easat-10344	77	33	(	(	PUNCT
easat-10344	77	34	x1	x1	PROPN
easat-10344	77	35	,	,	PUNCT
easat-10344	77	36	x2	x2	PROPN
easat-10344	77	37	,	,	PUNCT
easat-10344	77	38	.	.	PUNCT
easat-10344	77	39	.	.	PUNCT
easat-10344	78	1	.	.	PUNCT
easat-10344	79	1	,	,	PUNCT
easat-10344	79	2	xn	xn	X
easat-10344	79	3	)	)	PUNCT
easat-10344	79	4	∈	∈	PROPN
easat-10344	79	5	rn	rn	PROPN
easat-10344	79	6	be	be	AUX
easat-10344	79	7	a	a	DET
easat-10344	79	8	feature	feature	NOUN
easat-10344	79	9	vector	vector	NOUN
easat-10344	79	10	.	.	PUNCT
easat-10344	80	1	the	the	DET
easat-10344	80	2	conditional	conditional	ADJ
easat-10344	80	3	probability	probability	NOUN
easat-10344	80	4	of	of	ADP
easat-10344	80	5	event	event	NOUN
easat-10344	80	6	a	a	DET
easat-10344	80	7	given	give	VERB
easat-10344	80	8	event	event	NOUN
easat-10344	80	9	b	b	PROPN
easat-10344	80	10	is	be	AUX
easat-10344	80	11	defined	define	VERB
easat-10344	80	12	as	as	ADP
easat-10344	80	13	:	:	PUNCT
easat-10344	80	14	p(a	p(a	PROPN
easat-10344	80	15	|	|	NOUN
easat-10344	80	16	b	b	NOUN
easat-10344	80	17	)	)	PUNCT
easat-10344	80	18	=	=	SYM
easat-10344	80	19	p(a	p(a	PROPN
easat-10344	80	20	∩	∩	PROPN
easat-10344	80	21	b	b	X
easat-10344	80	22	)	)	PUNCT
easat-10344	80	23	/	/	SYM
easat-10344	80	24	p(b	p(b	PROPN
easat-10344	80	25	)	)	PUNCT
easat-10344	80	26	(	(	PUNCT
easat-10344	80	27	3	3	X
easat-10344	80	28	)	)	PUNCT
easat-10344	80	29	bayes	bayes	PROPN
easat-10344	80	30	’	'	PUNCT
easat-10344	80	31	theorem	theorem	NOUN
easat-10344	80	32	allows	allow	VERB
easat-10344	81	1	the	the	DET
easat-10344	81	2	inversion	inversion	NOUN
easat-10344	81	3	of	of	ADP
easat-10344	81	4	conditional	conditional	ADJ
easat-10344	81	5	probabilities	probability	NOUN
easat-10344	81	6	:	:	PUNCT
easat-10344	81	7	p(a	p(a	PROPN
easat-10344	81	8	|	|	NOUN
easat-10344	81	9	b	b	NOUN
easat-10344	81	10	)	)	PUNCT
easat-10344	81	11	=	=	PUNCT
easat-10344	81	12	p(b	p(b	PROPN
easat-10344	81	13	|	|	ADV
easat-10344	81	14	a	a	NOUN
easat-10344	81	15	)	)	PUNCT
easat-10344	81	16	·	·	PUNCT
easat-10344	81	17	p(a	p(a	NOUN
easat-10344	81	18	)	)	PUNCT
easat-10344	81	19	/	/	SYM
easat-10344	81	20	p(b	p(b	PROPN
easat-10344	81	21	)	)	PUNCT
easat-10344	81	22	(	(	PUNCT
easat-10344	81	23	4	4	X
easat-10344	81	24	)	)	PUNCT
easat-10344	81	25	we	we	PRON
easat-10344	81	26	aim	aim	VERB
easat-10344	81	27	to	to	PART
easat-10344	81	28	estimate	estimate	VERB
easat-10344	81	29	the	the	DET
easat-10344	81	30	posterior	posterior	ADJ
easat-10344	81	31	probability	probability	NOUN
easat-10344	81	32	of	of	ADP
easat-10344	81	33	a	a	DET
easat-10344	81	34	class	class	NOUN
easat-10344	81	35	label	label	NOUN
easat-10344	81	36	given	give	VERB
easat-10344	81	37	a	a	DET
easat-10344	81	38	feature	feature	NOUN
easat-10344	81	39	vector	vector	NOUN
easat-10344	81	40	:	:	PUNCT
easat-10344	81	41	86	86	NUM
easat-10344	81	42	edelweiss	edelweiss	PROPN
easat-10344	81	43	applied	apply	VERB
easat-10344	81	44	science	science	NOUN
easat-10344	81	45	and	and	CCONJ
easat-10344	81	46	technology	technology	NOUN
easat-10344	81	47	issn	issn	PROPN
easat-10344	81	48	:	:	PUNCT
easat-10344	81	49	2576	2576	NUM
easat-10344	81	50	-	-	SYM
easat-10344	81	51	8484	8484	NUM
easat-10344	81	52	vol	vol	NOUN
easat-10344	81	53	.	.	PROPN
easat-10344	82	1	9	9	NUM
easat-10344	82	2	,	,	PUNCT
easat-10344	82	3	no	no	INTJ
easat-10344	82	4	.	.	NOUN
easat-10344	82	5	10	10	NUM
easat-10344	82	6	:	:	PUNCT
easat-10344	82	7	83	83	NUM
easat-10344	82	8	-	-	SYM
easat-10344	82	9	103	103	NUM
easat-10344	82	10	,	,	PUNCT
easat-10344	82	11	2025	2025	NUM
easat-10344	82	12	doi	doi	NOUN
easat-10344	82	13	:	:	PUNCT
easat-10344	82	14	10.55214/2576	10.55214/2576	NUM
easat-10344	82	15	-	-	PUNCT
easat-10344	82	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	82	17	©	©	PROPN
easat-10344	82	18	2025	2025	NUM
easat-10344	82	19	by	by	ADP
easat-10344	82	20	the	the	DET
easat-10344	82	21	authors	author	NOUN
easat-10344	82	22	;	;	PUNCT
easat-10344	83	1	licensee	licensee	NOUN
easat-10344	83	2	learning	learn	VERB
easat-10344	83	3	gate	gate	NOUN
easat-10344	83	4	p(y	p(y	PROPN
easat-10344	83	5	=	=	PUNCT
easat-10344	83	6	y	y	PROPN
easat-10344	83	7	|	|	ADV
easat-10344	83	8	x	x	NOUN
easat-10344	83	9	=	=	SYM
easat-10344	83	10	x	x	NOUN
easat-10344	83	11	)	)	PUNCT
easat-10344	83	12	(	(	PUNCT
easat-10344	83	13	5	5	X
easat-10344	83	14	)	)	PUNCT
easat-10344	83	15	using	use	VERB
easat-10344	83	16	bayes	baye	NOUN
easat-10344	83	17	’	'	PUNCT
easat-10344	83	18	theorem	theorem	PROPN
easat-10344	83	19	,	,	PUNCT
easat-10344	83	20	the	the	DET
easat-10344	83	21	posterior	posterior	ADJ
easat-10344	83	22	probability	probability	NOUN
easat-10344	83	23	is	be	AUX
easat-10344	83	24	expressed	express	VERB
easat-10344	83	25	as	as	ADP
easat-10344	83	26	:	:	PUNCT
easat-10344	83	27	p(y	p(y	PROPN
easat-10344	83	28	=	=	PUNCT
easat-10344	83	29	y	y	PROPN
easat-10344	83	30	|	|	ADV
easat-10344	83	31	x	x	NOUN
easat-10344	83	32	)	)	PUNCT
easat-10344	83	33	=	=	VERB
easat-10344	83	34	p(x	p(x	NOUN
easat-10344	83	35	|	|	ADV
easat-10344	83	36	y	y	PROPN
easat-10344	83	37	=	=	SYM
easat-10344	83	38	y	y	PROPN
easat-10344	83	39	)	)	PUNCT
easat-10344	83	40	·	·	PUNCT
easat-10344	84	1	p(y	p(y	PROPN
easat-10344	84	2	=	=	SYM
easat-10344	84	3	y	y	PROPN
easat-10344	84	4	)	)	PUNCT
easat-10344	84	5	/	/	SYM
easat-10344	84	6	p(x	p(x	PROPN
easat-10344	84	7	)	)	PUNCT
easat-10344	84	8	(	(	PUNCT
easat-10344	84	9	6	6	X
easat-10344	84	10	)	)	PUNCT
easat-10344	84	11	assuming	assume	VERB
easat-10344	84	12	conditional	conditional	ADJ
easat-10344	84	13	independence	independence	NOUN
easat-10344	84	14	among	among	ADP
easat-10344	84	15	features	feature	NOUN
easat-10344	84	16	,	,	PUNCT
easat-10344	84	17	the	the	DET
easat-10344	84	18	likelihood	likelihood	NOUN
easat-10344	84	19	can	can	AUX
easat-10344	84	20	be	be	AUX
easat-10344	84	21	factorized	factorize	VERB
easat-10344	84	22	as	as	ADP
easat-10344	84	23	:	:	PUNCT
easat-10344	84	24	p(x	p(x	VERB
easat-10344	84	25	|	|	ADV
easat-10344	84	26	y	y	PROPN
easat-10344	84	27	=	=	PUNCT
easat-10344	84	28	y	y	PROPN
easat-10344	84	29	)	)	PUNCT
easat-10344	85	1	=	=	SYM
easat-10344	85	2	∏	∏	NUM
easat-10344	85	3	p(xᵢ	p(xᵢ	NOUN
easat-10344	85	4	|	|	ADV
easat-10344	85	5	y	y	PROPN
easat-10344	85	6	=	=	SYM
easat-10344	85	7	y	y	PROPN
easat-10344	85	8	)	)	PUNCT
easat-10344	85	9	(	(	PUNCT
easat-10344	85	10	7	7	X
easat-10344	85	11	)	)	PUNCT
easat-10344	85	12	substituting	substitute	VERB
easat-10344	85	13	this	this	PRON
easat-10344	85	14	into	into	ADP
easat-10344	85	15	bayes	bayes	PROPN
easat-10344	85	16	’	'	PUNCT
easat-10344	85	17	theorem	theorem	VERB
easat-10344	85	18	yields	yield	NOUN
easat-10344	85	19	the	the	DET
easat-10344	85	20	posterior	posterior	ADJ
easat-10344	85	21	probability	probability	NOUN
easat-10344	85	22	:	:	PUNCT
easat-10344	85	23	p(y	p(y	PROPN
easat-10344	85	24	=	=	PUNCT
easat-10344	85	25	y	y	PROPN
easat-10344	85	26	|	|	ADV
easat-10344	85	27	x	x	NOUN
easat-10344	85	28	)	)	PUNCT
easat-10344	85	29	∝	∝	PROPN
easat-10344	85	30	p(y	p(y	PROPN
easat-10344	85	31	=	=	SYM
easat-10344	85	32	y	y	PROPN
easat-10344	85	33	)	)	PUNCT
easat-10344	85	34	·	·	PUNCT
easat-10344	86	1	∏	∏	X
easat-10344	86	2	p(xᵢ	p(xᵢ	NOUN
easat-10344	86	3	|	|	ADV
easat-10344	86	4	y	y	PROPN
easat-10344	86	5	=	=	SYM
easat-10344	86	6	y	y	PROPN
easat-10344	86	7	)	)	PUNCT
easat-10344	86	8	(	(	PUNCT
easat-10344	86	9	8)	8)	NUM
easat-10344	86	10	the	the	DET
easat-10344	86	11	predicted	predict	VERB
easat-10344	86	12	class	class	NOUN
easat-10344	86	13	ŷ	ŷ	PROPN
easat-10344	86	14	for	for	ADP
easat-10344	86	15	a	a	DET
easat-10344	86	16	new	new	ADJ
easat-10344	86	17	instance	instance	NOUN
easat-10344	86	18	x	x	PUNCT
easat-10344	86	19	is	be	AUX
easat-10344	86	20	the	the	DET
easat-10344	86	21	one	one	NOUN
easat-10344	86	22	that	that	PRON
easat-10344	86	23	maximizes	maximize	VERB
easat-10344	86	24	the	the	DET
easat-10344	86	25	posterior	posterior	ADJ
easat-10344	86	26	probability	probability	NOUN
easat-10344	86	27	,	,	PUNCT
easat-10344	86	28	known	know	VERB
easat-10344	86	29	as	as	ADP
easat-10344	86	30	the	the	DET
easat-10344	86	31	maximum	maximum	NOUN
easat-10344	86	32	a	a	DET
easat-10344	86	33	posteriori	posteriori	NOUN
easat-10344	86	34	(	(	PUNCT
easat-10344	86	35	map	map	NOUN
easat-10344	86	36	)	)	PUNCT
easat-10344	86	37	decision	decision	NOUN
easat-10344	86	38	rule	rule	NOUN
easat-10344	86	39	:	:	PUNCT
easat-10344	86	40	ŷ	ŷ	PROPN
easat-10344	86	41	=	=	PUNCT
easat-10344	86	42	arg	arg	NOUN
easat-10344	86	43	max₍y∈y₎	max₍y∈y₎	NOUN
easat-10344	86	44	p(y	p(y	PROPN
easat-10344	86	45	=	=	SYM
easat-10344	86	46	y	y	PROPN
easat-10344	86	47	)	)	PUNCT
easat-10344	86	48	·	·	PUNCT
easat-10344	87	1	∏	∏	X
easat-10344	87	2	p(xᵢ	p(xᵢ	NOUN
easat-10344	87	3	|	|	ADV
easat-10344	87	4	y	y	PROPN
easat-10344	87	5	=	=	SYM
easat-10344	87	6	y	y	PROPN
easat-10344	87	7	)	)	PUNCT
easat-10344	87	8	(	(	PUNCT
easat-10344	87	9	9	9	NUM
easat-10344	87	10	)	)	PUNCT
easat-10344	87	11	in	in	ADP
easat-10344	87	12	the	the	DET
easat-10344	87	13	gaussian	gaussian	ADJ
easat-10344	87	14	naive	naive	ADJ
easat-10344	87	15	bayes	bayes	NOUN
easat-10344	87	16	variant	variant	NOUN
easat-10344	87	17	,	,	PUNCT
easat-10344	87	18	each	each	PRON
easat-10344	87	19	feature	feature	VERB
easat-10344	87	20	xᵢ	xᵢ	PROPN
easat-10344	87	21	conditioned	condition	VERB
easat-10344	87	22	on	on	ADP
easat-10344	87	23	the	the	DET
easat-10344	87	24	class	class	NOUN
easat-10344	87	25	is	be	AUX
easat-10344	87	26	assumed	assume	VERB
easat-10344	87	27	to	to	PART
easat-10344	87	28	follow	follow	VERB
easat-10344	87	29	a	a	DET
easat-10344	87	30	normal	normal	ADJ
easat-10344	87	31	distribution	distribution	NOUN
easat-10344	87	32	:	:	PUNCT
easat-10344	87	33	xᵢ	xᵢ	NOUN
easat-10344	87	34	|	|	ADV
easat-10344	87	35	y	y	PROPN
easat-10344	87	36	=	=	SYM
easat-10344	87	37	y	y	PROPN
easat-10344	87	38	∼	∼	NOUN
easat-10344	87	39	n	n	CCONJ
easat-10344	87	40	(	(	PUNCT
easat-10344	87	41	μᵢ,y	μᵢ,y	NOUN
easat-10344	87	42	,	,	PUNCT
easat-10344	87	43	σ²	σ²	NOUN
easat-10344	87	44	)	)	PUNCT
easat-10344	87	45	(	(	PUNCT
easat-10344	87	46	10	10	NUM
easat-10344	87	47	)	)	PUNCT
easat-10344	87	48	this	this	DET
easat-10344	87	49	assumption	assumption	NOUN
easat-10344	87	50	leads	lead	VERB
easat-10344	87	51	to	to	ADP
easat-10344	87	52	the	the	DET
easat-10344	87	53	following	follow	VERB
easat-10344	87	54	conditional	conditional	ADJ
easat-10344	87	55	likelihood	likelihood	NOUN
easat-10344	87	56	for	for	ADP
easat-10344	87	57	gaussian	gaussian	ADJ
easat-10344	87	58	naive	naive	ADJ
easat-10344	87	59	bayes	bayes	NOUN
easat-10344	87	60	:	:	PUNCT
easat-10344	87	61	p(xᵢ	p(xᵢ	NOUN
easat-10344	87	62	|	|	ADV
easat-10344	87	63	y	y	PROPN
easat-10344	87	64	=	=	SYM
easat-10344	87	65	y	y	PROPN
easat-10344	87	66	)	)	PUNCT
easat-10344	87	67	=	=	PUNCT
easat-10344	87	68	(	(	PUNCT
easat-10344	87	69	1	1	NUM
easat-10344	87	70	/	/	SYM
easat-10344	87	71	√(2πσ²	√(2πσ²	NOUN
easat-10344	87	72	)	)	PUNCT
easat-10344	87	73	)	)	PUNCT
easat-10344	87	74	·	·	PUNCT
easat-10344	88	1	exp	exp	NOUN
easat-10344	88	2	(	(	PUNCT
easat-10344	88	3	−(xᵢ	−(xᵢ	PROPN
easat-10344	88	4	−	−	PROPN
easat-10344	88	5	μᵢ,y)²	μᵢ,y)²	NOUN
easat-10344	88	6	/	/	SYM
easat-10344	88	7	(	(	PUNCT
easat-10344	88	8	2σ²	2σ²	NUM
easat-10344	88	9	)	)	PUNCT
easat-10344	88	10	)	)	PUNCT
easat-10344	88	11	(	(	PUNCT
easat-10344	88	12	11	11	NUM
easat-10344	88	13	)	)	PUNCT
easat-10344	88	14	3.3	3.3	NUM
easat-10344	88	15	.	.	PUNCT
easat-10344	89	1	bayesian	bayesian	NOUN
easat-10344	89	2	neural	neural	ADJ
easat-10344	89	3	networks	network	NOUN
easat-10344	89	4	bayesian	bayesian	NOUN
easat-10344	89	5	neural	neural	ADJ
easat-10344	89	6	networks	network	NOUN
easat-10344	89	7	(	(	PUNCT
easat-10344	89	8	bnns	bnns	ADJ
easat-10344	89	9	)	)	PUNCT
easat-10344	89	10	are	be	AUX
easat-10344	89	11	a	a	DET
easat-10344	89	12	probabilistic	probabilistic	ADJ
easat-10344	89	13	extension	extension	NOUN
easat-10344	89	14	of	of	ADP
easat-10344	89	15	classical	classical	ADJ
easat-10344	89	16	neural	neural	ADJ
easat-10344	89	17	networks	network	NOUN
easat-10344	89	18	,	,	PUNCT
easat-10344	89	19	designed	design	VERB
easat-10344	89	20	to	to	PART
easat-10344	89	21	incorporate	incorporate	VERB
easat-10344	89	22	uncertainty	uncertainty	NOUN
easat-10344	89	23	directly	directly	ADV
easat-10344	89	24	into	into	ADP
easat-10344	89	25	model	model	NOUN
easat-10344	89	26	parameters	parameter	NOUN
easat-10344	89	27	.	.	PUNCT
easat-10344	90	1	instead	instead	ADV
easat-10344	90	2	of	of	ADP
easat-10344	90	3	learning	learn	VERB
easat-10344	90	4	fixed	fix	VERB
easat-10344	90	5	values	value	NOUN
easat-10344	90	6	for	for	ADP
easat-10344	90	7	weights	weight	NOUN
easat-10344	90	8	,	,	PUNCT
easat-10344	90	9	bnns	bnns	PROPN
easat-10344	90	10	treat	treat	VERB
easat-10344	90	11	each	each	DET
easat-10344	90	12	weight	weight	NOUN
easat-10344	90	13	as	as	ADP
easat-10344	90	14	a	a	DET
easat-10344	90	15	random	random	ADJ
easat-10344	90	16	variable	variable	NOUN
easat-10344	90	17	with	with	ADP
easat-10344	90	18	an	an	DET
easat-10344	90	19	associated	associated	ADJ
easat-10344	90	20	probability	probability	NOUN
easat-10344	90	21	distribution	distribution	NOUN
easat-10344	90	22	.	.	PUNCT
easat-10344	91	1	this	this	PRON
easat-10344	91	2	allows	allow	VERB
easat-10344	91	3	for	for	ADP
easat-10344	91	4	more	more	ADV
easat-10344	91	5	robust	robust	ADJ
easat-10344	91	6	predictions	prediction	NOUN
easat-10344	91	7	and	and	CCONJ
easat-10344	91	8	better	well	ADJ
easat-10344	91	9	quantification	quantification	NOUN
easat-10344	91	10	of	of	ADP
easat-10344	91	11	uncertainty	uncertainty	NOUN
easat-10344	91	12	,	,	PUNCT
easat-10344	91	13	an	an	DET
easat-10344	91	14	essential	essential	ADJ
easat-10344	91	15	feature	feature	NOUN
easat-10344	91	16	in	in	ADP
easat-10344	91	17	highstakes	highstake	NOUN
easat-10344	91	18	applications	application	NOUN
easat-10344	91	19	such	such	ADJ
easat-10344	91	20	as	as	ADP
easat-10344	91	21	credit	credit	NOUN
easat-10344	91	22	scoring	scoring	NOUN
easat-10344	91	23	,	,	PUNCT
easat-10344	91	24	medical	medical	ADJ
easat-10344	91	25	diagnosis	diagnosis	NOUN
easat-10344	91	26	,	,	PUNCT
easat-10344	91	27	and	and	CCONJ
easat-10344	91	28	risk	risk	NOUN
easat-10344	91	29	assessment	assessment	NOUN
easat-10344	91	30	.	.	PUNCT
easat-10344	92	1	3.4	3.4	NUM
easat-10344	92	2	.	.	PUNCT
easat-10344	92	3	motivation	motivation	NOUN
easat-10344	92	4	and	and	CCONJ
easat-10344	92	5	bayesian	bayesian	NOUN
easat-10344	92	6	framework	framework	NOUN
easat-10344	92	7	in	in	ADP
easat-10344	92	8	conventional	conventional	ADJ
easat-10344	92	9	(	(	PUNCT
easat-10344	92	10	frequentist	frequentist	NOUN
easat-10344	92	11	)	)	PUNCT
easat-10344	92	12	neural	neural	ADJ
easat-10344	92	13	networks	network	NOUN
easat-10344	92	14	,	,	PUNCT
easat-10344	92	15	the	the	DET
easat-10344	92	16	learning	learning	NOUN
easat-10344	92	17	process	process	NOUN
easat-10344	92	18	involves	involve	VERB
easat-10344	92	19	finding	find	VERB
easat-10344	92	20	a	a	DET
easat-10344	92	21	set	set	NOUN
easat-10344	92	22	of	of	ADP
easat-10344	92	23	weight	weight	NOUN
easat-10344	92	24	parameters	parameter	NOUN
easat-10344	92	25	θ	θ	PROPN
easat-10344	92	26	that	that	PRON
easat-10344	92	27	minimizes	minimize	VERB
easat-10344	92	28	a	a	DET
easat-10344	92	29	loss	loss	NOUN
easat-10344	92	30	function	function	NOUN
easat-10344	92	31	(	(	PUNCT
easat-10344	92	32	e.g.	e.g.	ADV
easat-10344	92	33	,	,	PUNCT
easat-10344	92	34	mean	mean	VERB
easat-10344	92	35	squared	square	VERB
easat-10344	92	36	error	error	NOUN
easat-10344	92	37	or	or	CCONJ
easat-10344	92	38	cross	cross	NOUN
easat-10344	92	39	-	-	NOUN
easat-10344	92	40	entropy	entropy	ADJ
easat-10344	92	41	)	)	PUNCT
easat-10344	92	42	.	.	PUNCT
easat-10344	93	1	this	this	DET
easat-10344	93	2	results	result	VERB
easat-10344	93	3	in	in	ADP
easat-10344	93	4	point	point	NOUN
easat-10344	93	5	estimates	estimate	NOUN
easat-10344	93	6	of	of	ADP
easat-10344	93	7	the	the	DET
easat-10344	93	8	weights	weight	NOUN
easat-10344	93	9	,	,	PUNCT
easat-10344	93	10	ignoring	ignore	VERB
easat-10344	93	11	uncertainty	uncertainty	NOUN
easat-10344	93	12	in	in	ADP
easat-10344	93	13	model	model	NOUN
easat-10344	93	14	parameters	parameter	NOUN
easat-10344	93	15	,	,	PUNCT
easat-10344	93	16	known	know	VERB
easat-10344	93	17	as	as	ADP
easat-10344	93	18	epistemic	epistemic	ADJ
easat-10344	93	19	uncertainty	uncertainty	NOUN
easat-10344	93	20	.	.	PUNCT
easat-10344	94	1	in	in	ADP
easat-10344	94	2	bayesian	bayesian	NOUN
easat-10344	94	3	neural	neural	ADJ
easat-10344	94	4	networks	network	NOUN
easat-10344	94	5	,	,	PUNCT
easat-10344	94	6	the	the	DET
easat-10344	94	7	posterior	posterior	ADJ
easat-10344	94	8	distribution	distribution	NOUN
easat-10344	94	9	over	over	ADP
easat-10344	94	10	the	the	DET
easat-10344	94	11	weights	weight	NOUN
easat-10344	94	12	given	give	VERB
easat-10344	94	13	the	the	DET
easat-10344	94	14	observed	observe	VERB
easat-10344	94	15	training	training	NOUN
easat-10344	94	16	data	datum	NOUN
easat-10344	94	17	d	d	NOUN
easat-10344	94	18	is	be	AUX
easat-10344	94	19	estimated	estimate	VERB
easat-10344	94	20	using	use	VERB
easat-10344	94	21	bayes	baye	NOUN
easat-10344	94	22	’	'	PUNCT
easat-10344	94	23	theorem	theorem	NOUN
easat-10344	94	24	as	as	SCONJ
easat-10344	94	25	follows	follow	VERB
easat-10344	94	26	:	:	PUNCT
easat-10344	94	27	p(θ	p(θ	PROPN
easat-10344	94	28	|	|	ADV
easat-10344	94	29	d	d	X
easat-10344	94	30	)	)	PUNCT
easat-10344	95	1	=	=	NOUN
easat-10344	96	1	[	[	X
easat-10344	96	2	p(d	p(d	NOUN
easat-10344	96	3	|	|	NOUN
easat-10344	96	4	θ	θ	NOUN
easat-10344	96	5	)	)	PUNCT
easat-10344	96	6	·	·	PUNCT
easat-10344	96	7	p(θ	p(θ	PROPN
easat-10344	96	8	)	)	PUNCT
easat-10344	96	9	]	]	PUNCT
easat-10344	96	10	/	/	PUNCT
easat-10344	96	11	p(d	p(d	NOUN
easat-10344	96	12	)	)	PUNCT
easat-10344	96	13	(	(	PUNCT
easat-10344	96	14	12	12	NUM
easat-10344	96	15	)	)	PUNCT
easat-10344	96	16	where	where	SCONJ
easat-10344	96	17	:	:	PUNCT
easat-10344	96	18	p(θ	p(θ	PROPN
easat-10344	96	19	)	)	PUNCT
easat-10344	96	20	is	be	AUX
easat-10344	96	21	the	the	DET
easat-10344	96	22	prior	prior	ADJ
easat-10344	96	23	distribution	distribution	NOUN
easat-10344	96	24	over	over	ADP
easat-10344	96	25	the	the	DET
easat-10344	96	26	weights	weight	NOUN
easat-10344	96	27	.	.	PUNCT
easat-10344	97	1	p(d	p(d	NOUN
easat-10344	97	2	|	|	NOUN
easat-10344	97	3	θ	θ	NOUN
easat-10344	97	4	)	)	PUNCT
easat-10344	97	5	is	be	AUX
easat-10344	97	6	the	the	DET
easat-10344	97	7	likelihood	likelihood	NOUN
easat-10344	97	8	of	of	ADP
easat-10344	97	9	the	the	DET
easat-10344	97	10	data	datum	NOUN
easat-10344	97	11	given	give	VERB
easat-10344	97	12	the	the	DET
easat-10344	97	13	weights	weight	NOUN
easat-10344	97	14	.	.	PUNCT
easat-10344	98	1	p(θ	p(θ	PROPN
easat-10344	98	2	|	|	ADV
easat-10344	98	3	d	d	X
easat-10344	98	4	)	)	PUNCT
easat-10344	98	5	is	be	AUX
easat-10344	98	6	the	the	DET
easat-10344	98	7	posterior	posterior	ADJ
easat-10344	98	8	distribution	distribution	NOUN
easat-10344	98	9	over	over	ADP
easat-10344	98	10	the	the	DET
easat-10344	98	11	weights	weight	NOUN
easat-10344	98	12	.	.	PUNCT
easat-10344	99	1	p(d	p(d	NOUN
easat-10344	99	2	)	)	PUNCT
easat-10344	99	3	is	be	AUX
easat-10344	99	4	the	the	DET
easat-10344	99	5	marginal	marginal	ADJ
easat-10344	99	6	likelihood	likelihood	NOUN
easat-10344	99	7	or	or	CCONJ
easat-10344	99	8	model	model	NOUN
easat-10344	99	9	evidence	evidence	NOUN
easat-10344	99	10	.	.	PUNCT
easat-10344	100	1	this	this	DET
easat-10344	100	2	bayesian	bayesian	NOUN
easat-10344	100	3	approach	approach	NOUN
easat-10344	100	4	allows	allow	VERB
easat-10344	100	5	the	the	DET
easat-10344	100	6	model	model	NOUN
easat-10344	100	7	to	to	PART
easat-10344	100	8	capture	capture	VERB
easat-10344	100	9	both	both	DET
easat-10344	100	10	prior	prior	ADJ
easat-10344	100	11	knowledge	knowledge	NOUN
easat-10344	100	12	and	and	CCONJ
easat-10344	100	13	observed	observed	ADJ
easat-10344	100	14	evidence	evidence	NOUN
easat-10344	100	15	,	,	PUNCT
easat-10344	100	16	resulting	result	VERB
easat-10344	100	17	in	in	ADP
easat-10344	100	18	more	more	ADV
easat-10344	100	19	principled	principled	ADJ
easat-10344	100	20	learning	learning	NOUN
easat-10344	100	21	and	and	CCONJ
easat-10344	100	22	inherent	inherent	ADJ
easat-10344	100	23	regularization	regularization	NOUN
easat-10344	100	24	.	.	PUNCT
easat-10344	101	1	3.5	3.5	NUM
easat-10344	101	2	.	.	PUNCT
easat-10344	101	3	prediction	prediction	NOUN
easat-10344	101	4	with	with	ADP
easat-10344	101	5	a	a	DET
easat-10344	101	6	bnn	bnn	NOUN
easat-10344	101	7	once	once	SCONJ
easat-10344	101	8	the	the	DET
easat-10344	101	9	posterior	posterior	ADJ
easat-10344	101	10	distribution	distribution	NOUN
easat-10344	101	11	p(θ|d	p(θ|d	NOUN
easat-10344	101	12	)	)	PUNCT
easat-10344	101	13	is	be	AUX
easat-10344	101	14	estimated	estimate	VERB
easat-10344	101	15	,	,	PUNCT
easat-10344	101	16	predictions	prediction	NOUN
easat-10344	101	17	for	for	ADP
easat-10344	101	18	a	a	DET
easat-10344	101	19	new	new	ADJ
easat-10344	101	20	input	input	NOUN
easat-10344	101	21	x∗	x∗	PROPN
easat-10344	101	22	are	be	AUX
easat-10344	101	23	made	make	VERB
easat-10344	101	24	by	by	ADP
easat-10344	101	25	averaging	average	VERB
easat-10344	101	26	over	over	ADP
easat-10344	101	27	all	all	DET
easat-10344	101	28	possible	possible	ADJ
easat-10344	101	29	weight	weight	NOUN
easat-10344	101	30	configurations	configuration	NOUN
easat-10344	101	31	,	,	PUNCT
easat-10344	101	32	weighted	weight	VERB
easat-10344	101	33	by	by	ADP
easat-10344	101	34	their	their	PRON
easat-10344	101	35	posterior	posterior	ADJ
easat-10344	101	36	probability	probability	NOUN
easat-10344	101	37	.	.	PUNCT
easat-10344	102	1	this	this	PRON
easat-10344	102	2	is	be	AUX
easat-10344	102	3	mathematically	mathematically	ADV
easat-10344	102	4	expressed	express	VERB
easat-10344	102	5	as	as	ADP
easat-10344	102	6	:	:	PUNCT
easat-10344	102	7	87	87	NUM
easat-10344	102	8	edelweiss	edelweiss	PROPN
easat-10344	102	9	applied	apply	VERB
easat-10344	102	10	science	science	NOUN
easat-10344	102	11	and	and	CCONJ
easat-10344	102	12	technology	technology	NOUN
easat-10344	102	13	issn	issn	PROPN
easat-10344	102	14	:	:	PUNCT
easat-10344	102	15	2576	2576	NUM
easat-10344	102	16	-	-	SYM
easat-10344	102	17	8484	8484	NUM
easat-10344	102	18	vol	vol	NOUN
easat-10344	102	19	.	.	PROPN
easat-10344	103	1	9	9	NUM
easat-10344	103	2	,	,	PUNCT
easat-10344	103	3	no	no	INTJ
easat-10344	103	4	.	.	NOUN
easat-10344	103	5	10	10	NUM
easat-10344	103	6	:	:	PUNCT
easat-10344	103	7	83	83	NUM
easat-10344	103	8	-	-	SYM
easat-10344	103	9	103	103	NUM
easat-10344	103	10	,	,	PUNCT
easat-10344	103	11	2025	2025	NUM
easat-10344	103	12	doi	doi	NOUN
easat-10344	103	13	:	:	PUNCT
easat-10344	103	14	10.55214/2576	10.55214/2576	NUM
easat-10344	103	15	-	-	PUNCT
easat-10344	103	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	103	17	©	©	PROPN
easat-10344	103	18	2025	2025	NUM
easat-10344	103	19	by	by	ADP
easat-10344	103	20	the	the	DET
easat-10344	103	21	authors	author	NOUN
easat-10344	103	22	;	;	PUNCT
easat-10344	103	23	licensee	licensee	PROPN
easat-10344	103	24	learning	learning	NOUN
easat-10344	103	25	gate	gate	NOUN
easat-10344	103	26	(	(	PUNCT
easat-10344	103	27	13	13	NUM
easat-10344	103	28	)	)	PUNCT
easat-10344	103	29	however	however	ADV
easat-10344	103	30	,	,	PUNCT
easat-10344	103	31	this	this	DET
easat-10344	103	32	integral	integral	NOUN
easat-10344	103	33	is	be	AUX
easat-10344	103	34	analytically	analytically	ADV
easat-10344	103	35	intractable	intractable	ADJ
easat-10344	103	36	for	for	ADP
easat-10344	103	37	deep	deep	ADJ
easat-10344	103	38	neural	neural	ADJ
easat-10344	103	39	networks	network	NOUN
easat-10344	103	40	due	due	ADP
easat-10344	103	41	to	to	ADP
easat-10344	103	42	the	the	DET
easat-10344	103	43	complexity	complexity	NOUN
easat-10344	103	44	of	of	ADP
easat-10344	103	45	the	the	DET
easat-10344	103	46	posterior	posterior	NOUN
easat-10344	103	47	.	.	PUNCT
easat-10344	104	1	therefore	therefore	ADV
easat-10344	104	2	,	,	PUNCT
easat-10344	104	3	approximate	approximate	ADJ
easat-10344	104	4	inference	inference	NOUN
easat-10344	104	5	methods	method	NOUN
easat-10344	104	6	are	be	AUX
easat-10344	104	7	used	use	VERB
easat-10344	104	8	.	.	PUNCT
easat-10344	105	1	3.6	3.6	NUM
easat-10344	105	2	.	.	PUNCT
easat-10344	105	3	common	common	ADJ
easat-10344	105	4	approximation	approximation	NOUN
easat-10344	105	5	methods	method	NOUN
easat-10344	105	6	3.6.1	3.6.1	NUM
easat-10344	105	7	.	.	PUNCT
easat-10344	106	1	advantages	advantage	NOUN
easat-10344	106	2	of	of	ADP
easat-10344	106	3	bnns	bnns	PROPN
easat-10344	106	4	monte	monte	PROPN
easat-10344	106	5	carlo	carlo	NOUN
easat-10344	106	6	sampling	sampling	NOUN
easat-10344	106	7	is	be	AUX
easat-10344	106	8	a	a	DET
easat-10344	106	9	method	method	NOUN
easat-10344	106	10	used	use	VERB
easat-10344	106	11	to	to	PART
easat-10344	106	12	estimate	estimate	VERB
easat-10344	106	13	the	the	DET
easat-10344	106	14	predictive	predictive	ADJ
easat-10344	106	15	distribution	distribution	NOUN
easat-10344	106	16	by	by	ADP
easat-10344	106	17	drawing	draw	VERB
easat-10344	106	18	multiple	multiple	ADJ
easat-10344	106	19	samples	sample	NOUN
easat-10344	106	20	θ₁	θ₁	NOUN
easat-10344	106	21	,	,	PUNCT
easat-10344	106	22	θ₂	θ₂	NOUN
easat-10344	106	23	,	,	PUNCT
easat-10344	106	24	...	...	PUNCT
easat-10344	106	25	,	,	PUNCT
easat-10344	106	26	θ_k	θ_k	PROPN
easat-10344	106	27	from	from	ADP
easat-10344	106	28	the	the	DET
easat-10344	106	29	posterior	posterior	ADJ
easat-10344	106	30	distribution	distribution	NOUN
easat-10344	106	31	or	or	CCONJ
easat-10344	106	32	its	its	PRON
easat-10344	106	33	approximation	approximation	NOUN
easat-10344	106	34	.	.	PUNCT
easat-10344	107	1	the	the	DET
easat-10344	107	2	final	final	ADJ
easat-10344	107	3	prediction	prediction	NOUN
easat-10344	107	4	is	be	AUX
easat-10344	107	5	obtained	obtain	VERB
easat-10344	107	6	by	by	ADP
easat-10344	107	7	averaging	average	VERB
easat-10344	107	8	the	the	DET
easat-10344	107	9	outputs	output	NOUN
easat-10344	107	10	over	over	ADP
easat-10344	107	11	these	these	DET
easat-10344	107	12	sampled	sample	VERB
easat-10344	107	13	weights	weight	NOUN
easat-10344	107	14	,	,	PUNCT
easat-10344	107	15	which	which	PRON
easat-10344	107	16	helps	help	VERB
easat-10344	107	17	capture	capture	VERB
easat-10344	107	18	uncertainty	uncertainty	NOUN
easat-10344	107	19	in	in	ADP
easat-10344	107	20	the	the	DET
easat-10344	107	21	model	model	NOUN
easat-10344	107	22	's	's	PART
easat-10344	107	23	predictions	prediction	NOUN
easat-10344	107	24	.	.	PUNCT
easat-10344	108	1	p(y	p(y	VERB
easat-10344	108	2	*	*	PROPN
easat-10344	108	3	|	|	NOUN
easat-10344	108	4	x	x	X
easat-10344	108	5	*	*	NOUN
easat-10344	108	6	,	,	PUNCT
easat-10344	108	7	d	d	NOUN
easat-10344	108	8	)	)	PUNCT
easat-10344	109	1	≈	≈	PROPN
easat-10344	109	2	(	(	PUNCT
easat-10344	109	3	1	1	NUM
easat-10344	109	4	/	/	SYM
easat-10344	109	5	k	k	NOUN
easat-10344	109	6	)	)	PUNCT
easat-10344	109	7	∑_(i=1)^(k	∑_(i=1)^(k	PROPN
easat-10344	109	8	)	)	PUNCT
easat-10344	109	9	p(y	p(y	PROPN
easat-10344	109	10	*	*	PROPN
easat-10344	109	11	|	|	NOUN
easat-10344	109	12	x	x	X
easat-10344	109	13	*	*	NOUN
easat-10344	109	14	,	,	PUNCT
easat-10344	109	15	θ_i	θ_i	NUM
easat-10344	109	16	)	)	PUNCT
easat-10344	109	17	(	(	PUNCT
easat-10344	109	18	14	14	X
easat-10344	109	19	)	)	PUNCT
easat-10344	109	20	bayesian	bayesian	NOUN
easat-10344	109	21	neural	neural	ADJ
easat-10344	109	22	networks	network	NOUN
easat-10344	109	23	(	(	PUNCT
easat-10344	109	24	bnns	bnns	ADJ
easat-10344	109	25	)	)	PUNCT
easat-10344	109	26	present	present	VERB
easat-10344	109	27	a	a	DET
easat-10344	109	28	powerful	powerful	ADJ
easat-10344	109	29	alternative	alternative	NOUN
easat-10344	109	30	to	to	ADP
easat-10344	109	31	classical	classical	ADJ
easat-10344	109	32	neural	neural	ADJ
easat-10344	109	33	networks	network	NOUN
easat-10344	109	34	by	by	ADP
easat-10344	109	35	incorporating	incorporate	VERB
easat-10344	109	36	uncertainty	uncertainty	NOUN
easat-10344	109	37	directly	directly	ADV
easat-10344	109	38	into	into	ADP
easat-10344	109	39	their	their	PRON
easat-10344	109	40	predictions	prediction	NOUN
easat-10344	109	41	.	.	PUNCT
easat-10344	110	1	this	this	PRON
easat-10344	110	2	enables	enable	VERB
easat-10344	110	3	confidence	confidence	NOUN
easat-10344	110	4	-	-	PUNCT
easat-10344	110	5	aware	aware	ADJ
easat-10344	110	6	decisionmaking	decisionmaking	NOUN
easat-10344	110	7	,	,	PUNCT
easat-10344	110	8	which	which	PRON
easat-10344	110	9	is	be	AUX
easat-10344	110	10	particularly	particularly	ADV
easat-10344	110	11	valuable	valuable	ADJ
easat-10344	110	12	in	in	ADP
easat-10344	110	13	risk	risk	NOUN
easat-10344	110	14	-	-	PUNCT
easat-10344	110	15	sensitive	sensitive	ADJ
easat-10344	110	16	domains	domain	NOUN
easat-10344	110	17	.	.	PUNCT
easat-10344	111	1	their	their	PRON
easat-10344	111	2	probabilistic	probabilistic	ADJ
easat-10344	111	3	nature	nature	NOUN
easat-10344	111	4	also	also	ADV
easat-10344	111	5	provides	provide	VERB
easat-10344	111	6	natural	natural	ADJ
easat-10344	111	7	regularization	regularization	NOUN
easat-10344	111	8	,	,	PUNCT
easat-10344	111	9	reducing	reduce	VERB
easat-10344	111	10	overfitting	overfitting	NOUN
easat-10344	111	11	in	in	ADP
easat-10344	111	12	small	small	ADJ
easat-10344	111	13	datasets	dataset	NOUN
easat-10344	111	14	,	,	PUNCT
easat-10344	111	15	while	while	SCONJ
easat-10344	111	16	enhancing	enhance	VERB
easat-10344	111	17	robustness	robustness	NOUN
easat-10344	111	18	and	and	CCONJ
easat-10344	111	19	interpretability	interpretability	NOUN
easat-10344	111	20	.	.	PUNCT
easat-10344	112	1	however	however	ADV
easat-10344	112	2	,	,	PUNCT
easat-10344	112	3	bnns	bnns	ADJ
easat-10344	112	4	face	face	VERB
easat-10344	112	5	challenges	challenge	NOUN
easat-10344	112	6	such	such	ADJ
easat-10344	112	7	as	as	ADP
easat-10344	112	8	high	high	ADJ
easat-10344	112	9	computational	computational	ADJ
easat-10344	112	10	demands	demand	NOUN
easat-10344	112	11	,	,	PUNCT
easat-10344	112	12	implementation	implementation	NOUN
easat-10344	112	13	complexity	complexity	NOUN
easat-10344	112	14	,	,	PUNCT
easat-10344	112	15	and	and	CCONJ
easat-10344	112	16	sensitivity	sensitivity	NOUN
easat-10344	112	17	to	to	ADP
easat-10344	112	18	prior	prior	ADJ
easat-10344	112	19	specification	specification	NOUN
easat-10344	112	20	.	.	PUNCT
easat-10344	113	1	despite	despite	SCONJ
easat-10344	113	2	these	these	DET
easat-10344	113	3	limitations	limitation	NOUN
easat-10344	113	4	,	,	PUNCT
easat-10344	113	5	bnns	bnn	NOUN
easat-10344	113	6	are	be	AUX
easat-10344	113	7	widely	widely	ADV
easat-10344	113	8	applied	apply	VERB
easat-10344	113	9	in	in	ADP
easat-10344	113	10	fields	field	NOUN
easat-10344	113	11	where	where	SCONJ
easat-10344	113	12	uncertainty	uncertainty	NOUN
easat-10344	113	13	is	be	AUX
easat-10344	113	14	critical	critical	ADJ
easat-10344	113	15	,	,	PUNCT
easat-10344	113	16	including	include	VERB
easat-10344	113	17	medicine	medicine	NOUN
easat-10344	113	18	,	,	PUNCT
easat-10344	113	19	finance	finance	NOUN
easat-10344	113	20	,	,	PUNCT
easat-10344	113	21	autonomous	autonomous	ADJ
easat-10344	113	22	systems	system	NOUN
easat-10344	113	23	,	,	PUNCT
easat-10344	113	24	time	time	NOUN
easat-10344	113	25	series	series	PROPN
easat-10344	113	26	forecasting	forecasting	NOUN
easat-10344	113	27	,	,	PUNCT
easat-10344	113	28	and	and	CCONJ
easat-10344	113	29	explainable	explainable	ADJ
easat-10344	113	30	ai	ai	NOUN
easat-10344	113	31	,	,	PUNCT
easat-10344	113	32	offering	offer	VERB
easat-10344	113	33	models	model	NOUN
easat-10344	113	34	that	that	PRON
easat-10344	113	35	not	not	PART
easat-10344	113	36	only	only	ADV
easat-10344	113	37	predict	predict	VERB
easat-10344	113	38	but	but	CCONJ
easat-10344	113	39	also	also	ADV
easat-10344	113	40	quantify	quantify	VERB
easat-10344	113	41	their	their	PRON
easat-10344	113	42	confidence	confidence	NOUN
easat-10344	113	43	.	.	PUNCT
easat-10344	114	1	4	4	X
easat-10344	114	2	.	.	X
easat-10344	114	3	methodology	methodology	NOUN
easat-10344	114	4	the	the	DET
easat-10344	114	5	methodology	methodology	NOUN
easat-10344	114	6	begins	begin	VERB
easat-10344	114	7	with	with	ADP
easat-10344	114	8	thorough	thorough	ADJ
easat-10344	114	9	data	datum	NOUN
easat-10344	114	10	cleaning	cleaning	NOUN
easat-10344	114	11	,	,	PUNCT
easat-10344	114	12	including	include	VERB
easat-10344	114	13	handling	handle	VERB
easat-10344	114	14	missing	miss	VERB
easat-10344	114	15	values	value	NOUN
easat-10344	114	16	,	,	PUNCT
easat-10344	114	17	removing	remove	VERB
easat-10344	114	18	duplicates	duplicate	NOUN
easat-10344	114	19	,	,	PUNCT
easat-10344	114	20	and	and	CCONJ
easat-10344	114	21	encoding	encode	VERB
easat-10344	114	22	categorical	categorical	ADJ
easat-10344	114	23	variables	variable	NOUN
easat-10344	114	24	.	.	PUNCT
easat-10344	115	1	the	the	DET
easat-10344	115	2	dataset	dataset	NOUN
easat-10344	115	3	,	,	PUNCT
easat-10344	115	4	sourced	source	VERB
easat-10344	115	5	from	from	ADP
easat-10344	115	6	kaggle	kaggle	PROPN
easat-10344	115	7	,	,	PUNCT
easat-10344	115	8	contains	contain	VERB
easat-10344	115	9	6,484	6,484	NUM
easat-10344	115	10	loan	loan	NOUN
easat-10344	115	11	applications	application	NOUN
easat-10344	115	12	described	describe	VERB
easat-10344	115	13	by	by	ADP
easat-10344	115	14	15	15	NUM
easat-10344	115	15	demographic	demographic	ADJ
easat-10344	115	16	and	and	CCONJ
easat-10344	115	17	financial	financial	ADJ
easat-10344	115	18	features	feature	NOUN
easat-10344	115	19	.	.	PUNCT
easat-10344	116	1	exploratory	exploratory	ADJ
easat-10344	116	2	data	datum	NOUN
easat-10344	116	3	analysis	analysis	NOUN
easat-10344	116	4	(	(	PUNCT
easat-10344	116	5	eda	eda	X
easat-10344	116	6	)	)	PUNCT
easat-10344	116	7	was	be	AUX
easat-10344	116	8	conducted	conduct	VERB
easat-10344	116	9	to	to	PART
easat-10344	116	10	uncover	uncover	VERB
easat-10344	116	11	variable	variable	ADJ
easat-10344	116	12	distributions	distribution	NOUN
easat-10344	116	13	and	and	CCONJ
easat-10344	116	14	relationships	relationship	NOUN
easat-10344	116	15	.	.	PUNCT
easat-10344	117	1	due	due	ADP
easat-10344	117	2	to	to	ADP
easat-10344	117	3	moderate	moderate	ADJ
easat-10344	117	4	class	class	NOUN
easat-10344	117	5	imbalance	imbalance	NOUN
easat-10344	117	6	,	,	PUNCT
easat-10344	117	7	advanced	advanced	ADJ
easat-10344	117	8	metrics	metric	NOUN
easat-10344	117	9	like	like	ADP
easat-10344	117	10	roc	roc	PROPN
easat-10344	117	11	auc	auc	NOUN
easat-10344	117	12	and	and	CCONJ
easat-10344	117	13	f1	f1	NOUN
easat-10344	117	14	-	-	PUNCT
easat-10344	117	15	score	score	NOUN
easat-10344	117	16	were	be	AUX
easat-10344	117	17	prioritized	prioritize	VERB
easat-10344	117	18	over	over	ADP
easat-10344	117	19	simple	simple	ADJ
easat-10344	117	20	accuracy	accuracy	NOUN
easat-10344	117	21	.	.	PUNCT
easat-10344	118	1	table	table	NOUN
easat-10344	118	2	1	1	NUM
easat-10344	118	3	.	.	PUNCT
easat-10344	118	4	descriptive	descriptive	ADJ
easat-10344	118	5	statistics	statistic	NOUN
easat-10344	118	6	for	for	ADP
easat-10344	118	7	all	all	DET
easat-10344	118	8	dataset	dataset	ADJ
easat-10344	118	9	features	feature	NOUN
easat-10344	118	10	.	.	PUNCT
easat-10344	119	1	feature	feature	NOUN
easat-10344	119	2	mean	mean	VERB
easat-10344	119	3	std	std	PROPN
easat-10344	119	4	.	.	PUNCT
easat-10344	120	1	min	min	NOUN
easat-10344	120	2	.	.	PROPN
easat-10344	120	3	25	25	NUM
easat-10344	120	4	%	%	NOUN
easat-10344	120	5	median	median	NOUN
easat-10344	120	6	75	75	NUM
easat-10344	120	7	%	%	NOUN
easat-10344	120	8	max	max	PROPN
easat-10344	120	9	.	.	PUNCT
easat-10344	120	10	person	person	PROPN
easat-10344	120	11	age	age	NOUN
easat-10344	120	12	27.75	27.75	NUM
easat-10344	120	13	6.35	6.35	NUM
easat-10344	120	14	20.00	20.00	NUM
easat-10344	120	15	23.00	23.00	NUM
easat-10344	120	16	26.00	26.00	NUM
easat-10344	120	17	30.00	30.00	NUM
easat-10344	120	18	100.00	100.00	NUM
easat-10344	120	19	person	person	NOUN
easat-10344	120	20	income	income	NOUN
easat-10344	120	21	(	(	PUNCT
easat-10344	120	22	$	$	SYM
easat-10344	120	23	)	)	PUNCT
easat-10344	120	24	66091	66091	NUM
easat-10344	120	25	.	.	PUNCT
easat-10344	121	1	64	64	NUM
easat-10344	121	2	62015.58	62015.58	NUM
easat-10344	121	3	4000.00	4000.00	NUM
easat-10344	121	4	38542.00	38542.00	NUM
easat-10344	121	5	55000.00	55000.00	NUM
easat-10344	121	6	79218.00	79218.00	NUM
easat-10344	121	7	60000.00	60000.00	NUM
easat-10344	121	8	home	home	NOUN
easat-10344	121	9	ownership	ownership	NOUN
easat-10344	121	10	1.68	1.68	NUM
easat-10344	121	11	1.43	1.43	NUM
easat-10344	121	12	0.00	0.00	NUM
easat-10344	121	13	0.00	0.00	NUM
easat-10344	121	14	3.00	3.00	NUM
easat-10344	121	15	3.00	3.00	NUM
easat-10344	121	16	3.00	3.00	NUM
easat-10344	121	17	employment	employment	NOUN
easat-10344	121	18	length	length	NOUN
easat-10344	121	19	4.79	4.79	NUM
easat-10344	121	20	4.09	4.09	NUM
easat-10344	121	21	0.00	0.00	NUM
easat-10344	121	22	2.00	2.00	NUM
easat-10344	121	23	4.00	4.00	NUM
easat-10344	121	24	7.00	7.00	NUM
easat-10344	121	25	123.00	123.00	NUM
easat-10344	121	26	loan	loan	NOUN
easat-10344	121	27	intent	intent	NOUN
easat-10344	121	28	2.53	2.53	NUM
easat-10344	121	29	1.73	1.73	NUM
easat-10344	121	30	0.00	0.00	NUM
easat-10344	121	31	1.00	1.00	NUM
easat-10344	121	32	3.00	3.00	NUM
easat-10344	121	33	4.00	4.00	NUM
easat-10344	121	34	5.00	5.00	NUM
easat-10344	121	35	loan	loan	NOUN
easat-10344	121	36	grade	grade	NOUN
easat-10344	121	37	1.22	1.22	NUM
easat-10344	121	38	1.17	1.17	NUM
easat-10344	121	39	0.00	0.00	NUM
easat-10344	121	40	0.00	0.00	NUM
easat-10344	121	41	1.00	1.00	NUM
easat-10344	121	42	2.00	2.00	NUM
easat-10344	121	43	6.00	6.00	NUM
easat-10344	121	44	loan	loan	NOUN
easat-10344	121	45	amount	amount	NOUN
easat-10344	121	46	(	(	PUNCT
easat-10344	121	47	$	$	SYM
easat-10344	121	48	)	)	PUNCT
easat-10344	121	49	loan	loan	NOUN
easat-10344	121	50	interest	interest	NOUN
easat-10344	121	51	rate	rate	NOUN
easat-10344	121	52	(	(	PUNCT
easat-10344	121	53	%	%	INTJ
easat-10344	121	54	)	)	PUNCT
easat-10344	121	55	loan	loan	NOUN
easat-10344	121	56	status	status	NOUN
easat-10344	121	57	9593.85	9593.85	NUM
easat-10344	121	58	11.02	11.02	NUM
easat-10344	121	59	0.22	0.22	NUM
easat-10344	121	60	6322.73	6322.73	NUM
easat-10344	121	61	3.08	3.08	NUM
easat-10344	121	62	0.41	0.41	NUM
easat-10344	121	63	500.00	500.00	NUM
easat-10344	121	64	5.42	5.42	NUM
easat-10344	121	65	0.00	0.00	NUM
easat-10344	121	66	5000.00	5000.00	NUM
easat-10344	121	67	8000.00	8000.00	NUM
easat-10344	121	68	8.49	8.49	NUM
easat-10344	121	69	11.01	11.01	NUM
easat-10344	121	70	0.00	0.00	NUM
easat-10344	121	71	0.00	0.00	NUM
easat-10344	121	72	12250.00	12250.00	NUM
easat-10344	121	73	35000.00	35000.00	NUM
easat-10344	121	74	13.11	13.11	NUM
easat-10344	121	75	23.22	23.22	NUM
easat-10344	121	76	0.00	0.00	NUM
easat-10344	121	77	1.00	1.00	NUM
easat-10344	121	78	loan	loan	NOUN
easat-10344	121	79	-	-	PUNCT
easat-10344	121	80	to	to	ADP
easat-10344	121	81	-	-	PUNCT
easat-10344	121	82	income	income	NOUN
easat-10344	121	83	0.17	0.17	NUM
easat-10344	121	84	0.11	0.11	NUM
easat-10344	121	85	0.00	0.00	NUM
easat-10344	121	86	0.09	0.09	NUM
easat-10344	121	87	0.15	0.15	NUM
easat-10344	121	88	0.23	0.23	NUM
easat-10344	121	89	0.83	0.83	NUM
easat-10344	121	90	default	default	NOUN
easat-10344	121	91	on	on	ADP
easat-10344	121	92	file	file	NOUN
easat-10344	121	93	0.18	0.18	NUM
easat-10344	121	94	0.38	0.38	NUM
easat-10344	121	95	0.00	0.00	NUM
easat-10344	121	96	0.00	0.00	NUM
easat-10344	121	97	0.00	0.00	NUM
easat-10344	121	98	0.00	0.00	NUM
easat-10344	121	99	1.00	1.00	NUM
easat-10344	121	100	credit	credit	NOUN
easat-10344	121	101	history	history	NOUN
easat-10344	121	102	(	(	PUNCT
easat-10344	121	103	yrs	yr	NOUN
easat-10344	121	104	)	)	PUNCT
easat-10344	122	1	5.81	5.81	NUM
easat-10344	122	2	4.06	4.06	NUM
easat-10344	122	3	2.00	2.00	NUM
easat-10344	122	4	3.00	3.00	NUM
easat-10344	122	5	4.00	4.00	NUM
easat-10344	122	6	8.00	8.00	NUM
easat-10344	122	7	30.00	30.00	NUM
easat-10344	122	8	as	as	SCONJ
easat-10344	122	9	seen	see	VERB
easat-10344	122	10	above	above	ADV
easat-10344	122	11	in	in	ADP
easat-10344	122	12	table	table	NOUN
easat-10344	122	13	1	1	NUM
easat-10344	122	14	,	,	PUNCT
easat-10344	122	15	some	some	DET
easat-10344	122	16	variables	variable	NOUN
easat-10344	122	17	exhibit	exhibit	VERB
easat-10344	122	18	high	high	ADJ
easat-10344	122	19	variability	variability	NOUN
easat-10344	122	20	(	(	PUNCT
easat-10344	122	21	e.g.	e.g.	ADV
easat-10344	122	22	,	,	PUNCT
easat-10344	122	23	income	income	NOUN
easat-10344	122	24	and	and	CCONJ
easat-10344	122	25	loan	loan	NOUN
easat-10344	122	26	amount	amount	NOUN
easat-10344	122	27	)	)	PUNCT
easat-10344	122	28	,	,	PUNCT
easat-10344	122	29	88	88	NUM
easat-10344	122	30	edelweiss	edelweiss	PROPN
easat-10344	122	31	applied	apply	VERB
easat-10344	122	32	science	science	NOUN
easat-10344	122	33	and	and	CCONJ
easat-10344	122	34	technology	technology	NOUN
easat-10344	122	35	issn	issn	PROPN
easat-10344	122	36	:	:	PUNCT
easat-10344	122	37	2576	2576	NUM
easat-10344	122	38	-	-	SYM
easat-10344	122	39	8484	8484	NUM
easat-10344	122	40	vol	vol	NOUN
easat-10344	122	41	.	.	PROPN
easat-10344	123	1	9	9	NUM
easat-10344	123	2	,	,	PUNCT
easat-10344	123	3	no	no	INTJ
easat-10344	123	4	.	.	NOUN
easat-10344	123	5	10	10	NUM
easat-10344	123	6	:	:	PUNCT
easat-10344	123	7	83	83	NUM
easat-10344	123	8	-	-	SYM
easat-10344	123	9	103	103	NUM
easat-10344	123	10	,	,	PUNCT
easat-10344	123	11	2025	2025	NUM
easat-10344	123	12	doi	doi	NOUN
easat-10344	123	13	:	:	PUNCT
easat-10344	123	14	10.55214/2576	10.55214/2576	NUM
easat-10344	123	15	-	-	PUNCT
easat-10344	123	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	123	17	©	©	PROPN
easat-10344	123	18	2025	2025	NUM
easat-10344	123	19	by	by	ADP
easat-10344	123	20	the	the	DET
easat-10344	123	21	authors	author	NOUN
easat-10344	123	22	;	;	PUNCT
easat-10344	123	23	licensee	licensee	PROPN
easat-10344	123	24	learning	learning	NOUN
easat-10344	123	25	gate	gate	NOUN
easat-10344	123	26	while	while	SCONJ
easat-10344	123	27	others	other	NOUN
easat-10344	123	28	,	,	PUNCT
easat-10344	123	29	like	like	ADP
easat-10344	123	30	loan	loan	NOUN
easat-10344	123	31	status	status	NOUN
easat-10344	123	32	,	,	PUNCT
easat-10344	123	33	are	be	AUX
easat-10344	123	34	binary	binary	ADJ
easat-10344	123	35	.	.	PUNCT
easat-10344	124	1	to	to	PART
easat-10344	124	2	better	well	ADV
easat-10344	124	3	understand	understand	VERB
easat-10344	124	4	the	the	DET
easat-10344	124	5	distributions	distribution	NOUN
easat-10344	124	6	,	,	PUNCT
easat-10344	124	7	we	we	PRON
easat-10344	124	8	include	include	VERB
easat-10344	124	9	boxplots	boxplot	NOUN
easat-10344	124	10	for	for	ADP
easat-10344	124	11	several	several	ADJ
easat-10344	124	12	key	key	ADJ
easat-10344	124	13	financial	financial	ADJ
easat-10344	124	14	features	feature	NOUN
easat-10344	124	15	.	.	PUNCT
easat-10344	125	1	4.1	4.1	NUM
easat-10344	125	2	.	.	PUNCT
easat-10344	125	3	correlation	correlation	NOUN
easat-10344	125	4	analysis	analysis	NOUN
easat-10344	125	5	a	a	DET
easat-10344	125	6	correlation	correlation	NOUN
easat-10344	125	7	matrix	matrix	NOUN
easat-10344	125	8	was	be	AUX
easat-10344	125	9	computed	compute	VERB
easat-10344	125	10	for	for	ADP
easat-10344	125	11	the	the	DET
easat-10344	125	12	numerical	numerical	ADJ
easat-10344	125	13	variables	variable	NOUN
easat-10344	125	14	in	in	ADP
easat-10344	125	15	the	the	DET
easat-10344	125	16	dataset	dataset	NOUN
easat-10344	125	17	.	.	PUNCT
easat-10344	126	1	as	as	SCONJ
easat-10344	126	2	shown	show	VERB
easat-10344	126	3	in	in	ADP
easat-10344	126	4	figure	figure	NOUN
easat-10344	126	5	1	1	NUM
easat-10344	126	6	and	and	CCONJ
easat-10344	126	7	2	2	NUM
easat-10344	126	8	,	,	PUNCT
easat-10344	126	9	some	some	DET
easat-10344	126	10	features	feature	NOUN
easat-10344	126	11	,	,	PUNCT
easat-10344	126	12	such	such	ADJ
easat-10344	126	13	as	as	ADP
easat-10344	126	14	loan	loan	NOUN
easat-10344	126	15	amount	amount	NOUN
easat-10344	126	16	and	and	CCONJ
easat-10344	126	17	loan	loan	NOUN
easat-10344	126	18	percent	percent	NOUN
easat-10344	126	19	income	income	NOUN
easat-10344	126	20	,	,	PUNCT
easat-10344	126	21	exhibit	exhibit	VERB
easat-10344	126	22	moderate	moderate	ADJ
easat-10344	126	23	correlation	correlation	NOUN
easat-10344	126	24	,	,	PUNCT
easat-10344	126	25	while	while	SCONJ
easat-10344	126	26	most	most	ADJ
easat-10344	126	27	other	other	ADJ
easat-10344	126	28	features	feature	NOUN
easat-10344	126	29	remain	remain	VERB
easat-10344	126	30	relatively	relatively	ADV
easat-10344	126	31	independent	independent	ADJ
easat-10344	126	32	.	.	PUNCT
easat-10344	127	1	this	this	PRON
easat-10344	127	2	suggests	suggest	VERB
easat-10344	127	3	a	a	DET
easat-10344	127	4	low	low	ADJ
easat-10344	127	5	risk	risk	NOUN
easat-10344	127	6	of	of	ADP
easat-10344	127	7	multicollinearity	multicollinearity	NOUN
easat-10344	127	8	in	in	ADP
easat-10344	127	9	model	model	NOUN
easat-10344	127	10	training	training	NOUN
easat-10344	127	11	.	.	PUNCT
easat-10344	128	1	figure	figure	NOUN
easat-10344	128	2	1	1	NUM
easat-10344	128	3	.	.	PUNCT
easat-10344	129	1	boxplots	boxplot	NOUN
easat-10344	129	2	of	of	ADP
easat-10344	129	3	key	key	ADJ
easat-10344	129	4	financial	financial	ADJ
easat-10344	129	5	features	feature	NOUN
easat-10344	129	6	.	.	PUNCT
easat-10344	130	1	89	89	NUM
easat-10344	130	2	edelweiss	edelweiss	PROPN
easat-10344	130	3	applied	apply	VERB
easat-10344	130	4	science	science	NOUN
easat-10344	130	5	and	and	CCONJ
easat-10344	130	6	technology	technology	NOUN
easat-10344	130	7	issn	issn	PROPN
easat-10344	130	8	:	:	PUNCT
easat-10344	130	9	2576	2576	NUM
easat-10344	130	10	-	-	SYM
easat-10344	130	11	8484	8484	NUM
easat-10344	130	12	vol	vol	NOUN
easat-10344	130	13	.	.	PROPN
easat-10344	131	1	9	9	NUM
easat-10344	131	2	,	,	PUNCT
easat-10344	131	3	no	no	INTJ
easat-10344	131	4	.	.	NOUN
easat-10344	131	5	10	10	NUM
easat-10344	131	6	:	:	PUNCT
easat-10344	131	7	83	83	NUM
easat-10344	131	8	-	-	SYM
easat-10344	131	9	103	103	NUM
easat-10344	131	10	,	,	PUNCT
easat-10344	131	11	2025	2025	NUM
easat-10344	131	12	doi	doi	NOUN
easat-10344	131	13	:	:	PUNCT
easat-10344	131	14	10.55214/2576	10.55214/2576	NUM
easat-10344	131	15	-	-	PUNCT
easat-10344	131	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	131	17	©	©	PROPN
easat-10344	131	18	2025	2025	NUM
easat-10344	131	19	by	by	ADP
easat-10344	131	20	the	the	DET
easat-10344	131	21	authors	author	NOUN
easat-10344	131	22	;	;	PUNCT
easat-10344	131	23	licensee	licensee	PROPN
easat-10344	131	24	learning	learn	VERB
easat-10344	131	25	gate	gate	NOUN
easat-10344	131	26	figure	figure	NOUN
easat-10344	131	27	2	2	NUM
easat-10344	131	28	.	.	PUNCT
easat-10344	131	29	correlation	correlation	NOUN
easat-10344	131	30	heatmap	heatmap	NOUN
easat-10344	131	31	of	of	ADP
easat-10344	131	32	numerical	numerical	ADJ
easat-10344	131	33	features	feature	NOUN
easat-10344	131	34	.	.	PUNCT
easat-10344	132	1	4.2	4.2	NUM
easat-10344	132	2	.	.	PUNCT
easat-10344	132	3	class	class	NOUN
easat-10344	132	4	distribution	distribution	NOUN
easat-10344	132	5	analysis	analysis	NOUN
easat-10344	132	6	to	to	PART
easat-10344	132	7	evaluate	evaluate	VERB
easat-10344	132	8	class	class	NOUN
easat-10344	132	9	balance	balance	NOUN
easat-10344	132	10	,	,	PUNCT
easat-10344	132	11	we	we	PRON
easat-10344	132	12	analyzed	analyze	VERB
easat-10344	132	13	the	the	DET
easat-10344	132	14	target	target	NOUN
easat-10344	132	15	variable	variable	NOUN
easat-10344	132	16	(	(	PUNCT
easat-10344	132	17	default	default	NOUN
easat-10344	132	18	vs.	vs.	ADP
easat-10344	132	19	no	no	DET
easat-10344	132	20	default	default	NOUN
easat-10344	132	21	)	)	PUNCT
easat-10344	132	22	.	.	PUNCT
easat-10344	133	1	an	an	DET
easat-10344	133	2	imbalance	imbalance	NOUN
easat-10344	133	3	in	in	ADP
easat-10344	133	4	the	the	DET
easat-10344	133	5	dataset	dataset	NOUN
easat-10344	133	6	was	be	AUX
easat-10344	133	7	noted	note	VERB
easat-10344	133	8	,	,	PUNCT
easat-10344	133	9	which	which	PRON
easat-10344	133	10	could	could	AUX
easat-10344	133	11	bias	bias	VERB
easat-10344	133	12	model	model	NOUN
easat-10344	133	13	learning	learning	NOUN
easat-10344	133	14	in	in	ADP
easat-10344	133	15	figure	figure	NOUN
easat-10344	133	16	3	3	NUM
easat-10344	133	17	.	.	PUNCT
easat-10344	133	18	figure	figure	NOUN
easat-10344	133	19	3	3	NUM
easat-10344	133	20	.	.	PUNCT
easat-10344	134	1	distribution	distribution	NOUN
easat-10344	134	2	of	of	ADP
easat-10344	134	3	default	default	NOUN
easat-10344	134	4	vs.	vs.	ADP
easat-10344	134	5	non	non	ADJ
easat-10344	134	6	-	-	ADJ
easat-10344	134	7	default	default	ADJ
easat-10344	134	8	classes	class	NOUN
easat-10344	134	9	.	.	PUNCT
easat-10344	135	1	90	90	NUM
easat-10344	135	2	edelweiss	edelweiss	PROPN
easat-10344	135	3	applied	apply	VERB
easat-10344	135	4	science	science	NOUN
easat-10344	135	5	and	and	CCONJ
easat-10344	135	6	technology	technology	NOUN
easat-10344	135	7	issn	issn	PROPN
easat-10344	135	8	:	:	PUNCT
easat-10344	135	9	2576	2576	NUM
easat-10344	135	10	-	-	SYM
easat-10344	135	11	8484	8484	NUM
easat-10344	135	12	vol	vol	NOUN
easat-10344	135	13	.	.	PROPN
easat-10344	136	1	9	9	NUM
easat-10344	136	2	,	,	PUNCT
easat-10344	136	3	no	no	INTJ
easat-10344	136	4	.	.	NOUN
easat-10344	136	5	10	10	NUM
easat-10344	136	6	:	:	PUNCT
easat-10344	136	7	83	83	NUM
easat-10344	136	8	-	-	SYM
easat-10344	136	9	103	103	NUM
easat-10344	136	10	,	,	PUNCT
easat-10344	136	11	2025	2025	NUM
easat-10344	136	12	doi	doi	NOUN
easat-10344	136	13	:	:	PUNCT
easat-10344	136	14	10.55214/2576	10.55214/2576	NUM
easat-10344	136	15	-	-	PUNCT
easat-10344	136	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	136	17	©	©	PROPN
easat-10344	136	18	2025	2025	NUM
easat-10344	136	19	by	by	ADP
easat-10344	136	20	the	the	DET
easat-10344	136	21	authors	author	NOUN
easat-10344	136	22	;	;	PUNCT
easat-10344	136	23	licensee	licensee	PROPN
easat-10344	136	24	learning	learning	NOUN
easat-10344	136	25	gate	gate	NOUN
easat-10344	136	26	4.3	4.3	NUM
easat-10344	136	27	.	.	PUNCT
easat-10344	137	1	advanced	advanced	ADJ
easat-10344	137	2	financial	financial	ADJ
easat-10344	137	3	ratios	ratio	NOUN
easat-10344	137	4	used	use	VERB
easat-10344	137	5	to	to	PART
easat-10344	137	6	enrich	enrich	VERB
easat-10344	137	7	the	the	DET
easat-10344	137	8	financial	financial	ADJ
easat-10344	137	9	profile	profile	NOUN
easat-10344	137	10	of	of	ADP
easat-10344	137	11	each	each	DET
easat-10344	137	12	client	client	NOUN
easat-10344	137	13	and	and	CCONJ
easat-10344	137	14	improve	improve	VERB
easat-10344	137	15	model	model	NOUN
easat-10344	137	16	performance	performance	NOUN
easat-10344	137	17	,	,	PUNCT
easat-10344	137	18	we	we	PRON
easat-10344	137	19	computed	compute	VERB
easat-10344	137	20	eight	eight	NUM
easat-10344	137	21	key	key	ADJ
easat-10344	137	22	financial	financial	ADJ
easat-10344	137	23	ratios	ratio	NOUN
easat-10344	137	24	.	.	PUNCT
easat-10344	138	1	these	these	DET
easat-10344	138	2	ratios	ratio	NOUN
easat-10344	138	3	are	be	AUX
easat-10344	138	4	widely	widely	ADV
easat-10344	138	5	used	use	VERB
easat-10344	138	6	in	in	ADP
easat-10344	138	7	credit	credit	NOUN
easat-10344	138	8	risk	risk	NOUN
easat-10344	138	9	analysis	analysis	NOUN
easat-10344	138	10	and	and	CCONJ
easat-10344	138	11	corporate	corporate	ADJ
easat-10344	138	12	finance	finance	NOUN
easat-10344	138	13	to	to	PART
easat-10344	138	14	assess	assess	VERB
easat-10344	138	15	liquidity	liquidity	NOUN
easat-10344	138	16	,	,	PUNCT
easat-10344	138	17	profitability	profitability	NOUN
easat-10344	138	18	,	,	PUNCT
easat-10344	138	19	solvency	solvency	NOUN
easat-10344	138	20	,	,	PUNCT
easat-10344	138	21	and	and	CCONJ
easat-10344	138	22	operational	operational	ADJ
easat-10344	138	23	efficiency	efficiency	NOUN
easat-10344	138	24	.	.	PUNCT
easat-10344	139	1	4.3.1	4.3.1	X
easat-10344	139	2	.	.	PUNCT
easat-10344	140	1	current	current	ADJ
easat-10344	140	2	ratio	ratio	NOUN
easat-10344	140	3	(	(	PUNCT
easat-10344	140	4	r1	r1	NOUN
easat-10344	140	5	)	)	PUNCT
easat-10344	140	6	measures	measure	NOUN
easat-10344	140	7	a	a	DET
easat-10344	140	8	firm	firm	NOUN
easat-10344	140	9	’s	’s	PART
easat-10344	140	10	ability	ability	NOUN
easat-10344	140	11	to	to	PART
easat-10344	140	12	meet	meet	VERB
easat-10344	140	13	short	short	ADJ
easat-10344	140	14	-	-	PUNCT
easat-10344	140	15	term	term	NOUN
easat-10344	140	16	obligations	obligation	NOUN
easat-10344	140	17	.	.	PUNCT
easat-10344	141	1	a	a	DET
easat-10344	141	2	value	value	NOUN
easat-10344	141	3	above	above	ADP
easat-10344	141	4	1	1	NUM
easat-10344	141	5	indicates	indicate	VERB
easat-10344	141	6	good	good	ADJ
easat-10344	141	7	liquidity	liquidity	NOUN
easat-10344	141	8	.	.	PUNCT
easat-10344	142	1	4.3.2	4.3.2	X
easat-10344	142	2	.	.	PUNCT
easat-10344	143	1	quick	quick	ADJ
easat-10344	143	2	ratio	ratio	NOUN
easat-10344	143	3	(	(	PUNCT
easat-10344	143	4	r2	r2	PROPN
easat-10344	143	5	)	)	PUNCT
easat-10344	143	6	a	a	DET
easat-10344	143	7	stricter	strict	ADJ
easat-10344	143	8	liquidity	liquidity	NOUN
easat-10344	143	9	test	test	NOUN
easat-10344	143	10	that	that	PRON
easat-10344	143	11	excludes	exclude	VERB
easat-10344	143	12	inventory	inventory	NOUN
easat-10344	143	13	,	,	PUNCT
easat-10344	143	14	which	which	PRON
easat-10344	143	15	is	be	AUX
easat-10344	143	16	less	less	ADV
easat-10344	143	17	liquid	liquid	ADJ
easat-10344	143	18	than	than	ADP
easat-10344	143	19	cash	cash	NOUN
easat-10344	143	20	or	or	CCONJ
easat-10344	143	21	receivables	receivables	NOUN
easat-10344	143	22	.	.	PUNCT
easat-10344	144	1	4.3.3	4.3.3	X
easat-10344	144	2	.	.	PUNCT
easat-10344	144	3	debt	debt	NOUN
easat-10344	144	4	-	-	PUNCT
easat-10344	144	5	to	to	ADP
easat-10344	144	6	-	-	PUNCT
easat-10344	144	7	equity	equity	NOUN
easat-10344	144	8	ratio	ratio	NOUN
easat-10344	144	9	(	(	PUNCT
easat-10344	144	10	r3	r3	PROPN
easat-10344	144	11	)	)	PUNCT
easat-10344	144	12	shows	show	VERB
easat-10344	144	13	the	the	DET
easat-10344	144	14	extent	extent	NOUN
easat-10344	144	15	to	to	PART
easat-10344	144	16	which	which	PRON
easat-10344	144	17	a	a	DET
easat-10344	144	18	firm	firm	NOUN
easat-10344	144	19	is	be	AUX
easat-10344	144	20	financed	finance	VERB
easat-10344	144	21	by	by	ADP
easat-10344	144	22	debt	debt	NOUN
easat-10344	144	23	relative	relative	ADJ
easat-10344	144	24	to	to	ADP
easat-10344	144	25	shareholders	shareholder	NOUN
easat-10344	144	26	’	'	PUNCT
easat-10344	144	27	capital	capital	NOUN
easat-10344	144	28	.	.	PUNCT
easat-10344	145	1	4.3.4	4.3.4	NOUN
easat-10344	145	2	.	.	PUNCT
easat-10344	146	1	interest	interest	NOUN
easat-10344	146	2	coverage	coverage	NOUN
easat-10344	146	3	ratio	ratio	NOUN
easat-10344	146	4	(	(	PUNCT
easat-10344	146	5	r4	r4	PROPN
easat-10344	146	6	)	)	PUNCT
easat-10344	146	7	indicates	indicate	VERB
easat-10344	146	8	the	the	DET
easat-10344	146	9	firm	firm	NOUN
easat-10344	146	10	’s	’s	PART
easat-10344	146	11	ability	ability	NOUN
easat-10344	146	12	to	to	PART
easat-10344	146	13	pay	pay	VERB
easat-10344	146	14	interest	interest	NOUN
easat-10344	146	15	on	on	ADP
easat-10344	146	16	outstanding	outstanding	ADJ
easat-10344	146	17	debt	debt	NOUN
easat-10344	146	18	.	.	PUNCT
easat-10344	147	1	values	value	NOUN
easat-10344	147	2	below	below	ADP
easat-10344	147	3	1	1	NUM
easat-10344	147	4	imply	imply	VERB
easat-10344	147	5	financial	financial	ADJ
easat-10344	147	6	stress	stress	NOUN
easat-10344	147	7	.	.	PUNCT
easat-10344	148	1	4.3.5	4.3.5	X
easat-10344	148	2	.	.	PUNCT
easat-10344	149	1	return	return	NOUN
easat-10344	149	2	on	on	ADP
easat-10344	149	3	equity	equity	NOUN
easat-10344	149	4	(	(	PUNCT
easat-10344	149	5	roe	roe	PROPN
easat-10344	149	6	,	,	PUNCT
easat-10344	149	7	r5	r5	PROPN
easat-10344	149	8	)	)	PUNCT
easat-10344	149	9	evaluates	evaluate	VERB
easat-10344	149	10	the	the	DET
easat-10344	149	11	company	company	NOUN
easat-10344	149	12	’s	’s	PART
easat-10344	149	13	ability	ability	NOUN
easat-10344	149	14	to	to	PART
easat-10344	149	15	generate	generate	VERB
easat-10344	149	16	profits	profit	NOUN
easat-10344	149	17	from	from	ADP
easat-10344	149	18	shareholders	shareholder	NOUN
easat-10344	149	19	’	'	PUNCT
easat-10344	149	20	investments	investment	NOUN
easat-10344	149	21	.	.	PUNCT
easat-10344	150	1	4.3.6	4.3.6	NUM
easat-10344	150	2	.	.	PUNCT
easat-10344	150	3	fixed	fix	VERB
easat-10344	150	4	asset	asset	NOUN
easat-10344	150	5	turnover	turnover	NOUN
easat-10344	150	6	(	(	PUNCT
easat-10344	150	7	r6	r6	NOUN
easat-10344	150	8	)	)	PUNCT
easat-10344	150	9	reflects	reflect	VERB
easat-10344	150	10	how	how	SCONJ
easat-10344	150	11	effectively	effectively	ADV
easat-10344	150	12	a	a	DET
easat-10344	150	13	firm	firm	NOUN
easat-10344	150	14	uses	use	VERB
easat-10344	150	15	its	its	PRON
easat-10344	150	16	fixed	fix	VERB
easat-10344	150	17	assets	asset	NOUN
easat-10344	150	18	to	to	PART
easat-10344	150	19	generate	generate	VERB
easat-10344	150	20	sales	sale	NOUN
easat-10344	150	21	.	.	PUNCT
easat-10344	151	1	91	91	NUM
easat-10344	151	2	edelweiss	edelweiss	PROPN
easat-10344	151	3	applied	apply	VERB
easat-10344	151	4	science	science	NOUN
easat-10344	151	5	and	and	CCONJ
easat-10344	151	6	technology	technology	NOUN
easat-10344	151	7	issn	issn	PROPN
easat-10344	151	8	:	:	PUNCT
easat-10344	151	9	2576	2576	NUM
easat-10344	151	10	-	-	SYM
easat-10344	151	11	8484	8484	NUM
easat-10344	151	12	vol	vol	NOUN
easat-10344	151	13	.	.	PROPN
easat-10344	152	1	9	9	NUM
easat-10344	152	2	,	,	PUNCT
easat-10344	152	3	no	no	INTJ
easat-10344	152	4	.	.	NOUN
easat-10344	152	5	10	10	NUM
easat-10344	152	6	:	:	PUNCT
easat-10344	152	7	83	83	NUM
easat-10344	152	8	-	-	SYM
easat-10344	152	9	103	103	NUM
easat-10344	152	10	,	,	PUNCT
easat-10344	152	11	2025	2025	NUM
easat-10344	152	12	doi	doi	NOUN
easat-10344	152	13	:	:	PUNCT
easat-10344	152	14	10.55214/2576	10.55214/2576	NUM
easat-10344	152	15	-	-	PUNCT
easat-10344	152	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	152	17	©	©	PROPN
easat-10344	152	18	2025	2025	NUM
easat-10344	152	19	by	by	ADP
easat-10344	152	20	the	the	DET
easat-10344	152	21	authors	author	NOUN
easat-10344	152	22	;	;	PUNCT
easat-10344	153	1	licensee	licensee	PROPN
easat-10344	153	2	learning	learn	VERB
easat-10344	153	3	gate	gate	NOUN
easat-10344	153	4	4.3.7	4.3.7	PROPN
easat-10344	153	5	.	.	PUNCT
easat-10344	154	1	financial	financial	ADJ
easat-10344	154	2	expenses	expense	NOUN
easat-10344	154	3	to	to	ADP
easat-10344	154	4	revenue	revenue	NOUN
easat-10344	154	5	ratio	ratio	NOUN
easat-10344	154	6	(	(	PUNCT
easat-10344	154	7	r7	r7	PROPN
easat-10344	154	8	)	)	PUNCT
easat-10344	154	9	measures	measure	VERB
easat-10344	154	10	how	how	SCONJ
easat-10344	154	11	much	much	ADJ
easat-10344	154	12	of	of	ADP
easat-10344	154	13	the	the	DET
easat-10344	154	14	firm	firm	NOUN
easat-10344	154	15	’s	’s	PART
easat-10344	154	16	revenue	revenue	NOUN
easat-10344	154	17	is	be	AUX
easat-10344	154	18	consumed	consume	VERB
easat-10344	154	19	by	by	ADP
easat-10344	154	20	financial	financial	ADJ
easat-10344	154	21	expenses	expense	NOUN
easat-10344	154	22	.	.	PUNCT
easat-10344	155	1	4.3.8	4.3.8	X
easat-10344	155	2	.	.	PUNCT
easat-10344	155	3	short	short	ADJ
easat-10344	155	4	-	-	PUNCT
easat-10344	155	5	term	term	NOUN
easat-10344	155	6	debt	debt	NOUN
easat-10344	155	7	to	to	ADP
easat-10344	155	8	sales	sale	NOUN
easat-10344	155	9	ratio	ratio	NOUN
easat-10344	155	10	(	(	PUNCT
easat-10344	155	11	r8	r8	NOUN
easat-10344	155	12	)	)	PUNCT
easat-10344	155	13	captures	capture	VERB
easat-10344	155	14	the	the	DET
easat-10344	155	15	proportion	proportion	NOUN
easat-10344	155	16	of	of	ADP
easat-10344	155	17	short	short	ADJ
easat-10344	155	18	-	-	PUNCT
easat-10344	155	19	term	term	NOUN
easat-10344	155	20	borrowing	borrowing	NOUN
easat-10344	155	21	relative	relative	ADJ
easat-10344	155	22	to	to	ADP
easat-10344	155	23	generated	generate	VERB
easat-10344	155	24	revenue	revenue	NOUN
easat-10344	155	25	.	.	PUNCT
easat-10344	156	1	each	each	DET
easat-10344	156	2	ratio	ratio	NOUN
easat-10344	156	3	provides	provide	VERB
easat-10344	156	4	unique	unique	ADJ
easat-10344	156	5	insights	insight	NOUN
easat-10344	156	6	into	into	ADP
easat-10344	156	7	a	a	DET
easat-10344	156	8	company	company	NOUN
easat-10344	156	9	’s	’s	PART
easat-10344	156	10	financial	financial	ADJ
easat-10344	156	11	health	health	NOUN
easat-10344	156	12	:	:	PUNCT
easat-10344	156	13	•	•	NUM
easat-10344	156	14	liquidity	liquidity	NOUN
easat-10344	156	15	ratios	ratio	NOUN
easat-10344	156	16	(	(	PUNCT
easat-10344	156	17	r1	r1	NOUN
easat-10344	156	18	-	-	PUNCT
easat-10344	156	19	r2	r2	NOUN
easat-10344	156	20	):	):	PUNCT
easat-10344	156	21	measure	measure	NOUN
easat-10344	156	22	short	short	ADJ
easat-10344	156	23	-	-	PUNCT
easat-10344	156	24	term	term	NOUN
easat-10344	156	25	financial	financial	ADJ
easat-10344	156	26	stability	stability	NOUN
easat-10344	156	27	.	.	PUNCT
easat-10344	157	1	the	the	DET
easat-10344	157	2	current	current	ADJ
easat-10344	157	3	ratio	ratio	NOUN
easat-10344	157	4	(	(	PUNCT
easat-10344	157	5	r1	r1	PROPN
easat-10344	157	6	)	)	PUNCT
easat-10344	157	7	evaluates	evaluate	VERB
easat-10344	157	8	overall	overall	ADJ
easat-10344	157	9	liquidity	liquidity	NOUN
easat-10344	157	10	,	,	PUNCT
easat-10344	157	11	while	while	SCONJ
easat-10344	157	12	the	the	DET
easat-10344	157	13	quick	quick	ADJ
easat-10344	157	14	ratio	ratio	NOUN
easat-10344	157	15	(	(	PUNCT
easat-10344	157	16	r2	r2	PROPN
easat-10344	157	17	)	)	PUNCT
easat-10344	157	18	provides	provide	VERB
easat-10344	157	19	a	a	DET
easat-10344	157	20	more	more	ADV
easat-10344	157	21	conservative	conservative	ADJ
easat-10344	157	22	measure	measure	NOUN
easat-10344	157	23	by	by	ADP
easat-10344	157	24	excluding	exclude	VERB
easat-10344	157	25	inventory	inventory	NOUN
easat-10344	157	26	.	.	PUNCT
easat-10344	158	1	•	•	NOUN
easat-10344	158	2	leverage	leverage	NOUN
easat-10344	158	3	ratios	ratio	NOUN
easat-10344	158	4	(	(	PUNCT
easat-10344	158	5	r3	r3	PROPN
easat-10344	158	6	,	,	PUNCT
easat-10344	158	7	r4	r4	NOUN
easat-10344	158	8	):	):	PUNCT
easat-10344	158	9	assess	assess	NOUN
easat-10344	158	10	capital	capital	NOUN
easat-10344	158	11	structure	structure	NOUN
easat-10344	158	12	and	and	CCONJ
easat-10344	158	13	debt	debt	NOUN
easat-10344	158	14	servicing	servicing	NOUN
easat-10344	158	15	capacity	capacity	NOUN
easat-10344	158	16	.	.	PUNCT
easat-10344	159	1	the	the	DET
easat-10344	159	2	debt	debt	NOUN
easat-10344	159	3	-	-	PUNCT
easat-10344	159	4	to	to	ADP
easat-10344	159	5	-	-	PUNCT
easat-10344	159	6	equity	equity	NOUN
easat-10344	159	7	ratio	ratio	NOUN
easat-10344	159	8	(	(	PUNCT
easat-10344	159	9	r3	r3	PROPN
easat-10344	159	10	)	)	PUNCT
easat-10344	159	11	shows	show	VERB
easat-10344	159	12	the	the	DET
easat-10344	159	13	financing	financing	NOUN
easat-10344	159	14	mix	mix	NOUN
easat-10344	159	15	,	,	PUNCT
easat-10344	159	16	and	and	CCONJ
easat-10344	159	17	interest	interest	NOUN
easat-10344	159	18	coverage	coverage	NOUN
easat-10344	159	19	(	(	PUNCT
easat-10344	159	20	r4	r4	PROPN
easat-10344	159	21	)	)	PUNCT
easat-10344	159	22	indicates	indicate	VERB
easat-10344	159	23	earnings	earning	NOUN
easat-10344	159	24	relative	relative	ADJ
easat-10344	159	25	to	to	ADP
easat-10344	159	26	interest	interest	NOUN
easat-10344	159	27	obligations	obligation	NOUN
easat-10344	159	28	.	.	PUNCT
easat-10344	160	1	•	•	NOUN
easat-10344	160	2	profitability	profitability	NOUN
easat-10344	160	3	ratios	ratio	NOUN
easat-10344	160	4	(	(	PUNCT
easat-10344	160	5	r5	r5	PROPN
easat-10344	160	6	,	,	PUNCT
easat-10344	160	7	r6	r6	NOUN
easat-10344	160	8	):	):	PUNCT
easat-10344	160	9	evaluate	evaluate	VERB
easat-10344	160	10	operational	operational	ADJ
easat-10344	160	11	efficiency	efficiency	NOUN
easat-10344	160	12	.	.	PUNCT
easat-10344	161	1	return	return	NOUN
easat-10344	161	2	on	on	ADP
easat-10344	161	3	equity	equity	NOUN
easat-10344	161	4	(	(	PUNCT
easat-10344	161	5	r5	r5	PROPN
easat-10344	161	6	)	)	PUNCT
easat-10344	161	7	measures	measure	VERB
easat-10344	161	8	shareholder	shareholder	NOUN
easat-10344	161	9	returns	return	NOUN
easat-10344	161	10	,	,	PUNCT
easat-10344	161	11	while	while	SCONJ
easat-10344	161	12	fixed	fixed	ADJ
easat-10344	161	13	asset	asset	NOUN
easat-10344	161	14	turnover	turnover	NOUN
easat-10344	161	15	(	(	PUNCT
easat-10344	161	16	r6	r6	NOUN
easat-10344	161	17	)	)	PUNCT
easat-10344	161	18	shows	show	VERB
easat-10344	161	19	asset	asset	NOUN
easat-10344	161	20	utilization	utilization	NOUN
easat-10344	161	21	.	.	PUNCT
easat-10344	162	1	•	•	NUM
easat-10344	162	2	coverage	coverage	NOUN
easat-10344	162	3	ratios	ratio	NOUN
easat-10344	162	4	(	(	PUNCT
easat-10344	162	5	r7	r7	NOUN
easat-10344	162	6	-	-	PUNCT
easat-10344	162	7	r8	r8	NOUN
easat-10344	162	8	):	):	PUNCT
easat-10344	162	9	examine	examine	NOUN
easat-10344	162	10	cost	cost	NOUN
easat-10344	162	11	structure	structure	NOUN
easat-10344	162	12	and	and	CCONJ
easat-10344	162	13	short	short	ADJ
easat-10344	162	14	-	-	PUNCT
easat-10344	162	15	term	term	NOUN
easat-10344	162	16	obligations	obligation	NOUN
easat-10344	162	17	.	.	PUNCT
easat-10344	163	1	these	these	PRON
easat-10344	163	2	reveal	reveal	VERB
easat-10344	163	3	how	how	SCONJ
easat-10344	163	4	much	much	ADJ
easat-10344	163	5	income	income	NOUN
easat-10344	163	6	is	be	AUX
easat-10344	163	7	consumed	consume	VERB
easat-10344	163	8	by	by	ADP
easat-10344	163	9	financial	financial	ADJ
easat-10344	163	10	expenses	expense	NOUN
easat-10344	163	11	and	and	CCONJ
easat-10344	163	12	short	short	ADJ
easat-10344	163	13	-	-	PUNCT
easat-10344	163	14	term	term	NOUN
easat-10344	163	15	debt	debt	NOUN
easat-10344	163	16	.	.	PUNCT
easat-10344	164	1	these	these	DET
easat-10344	164	2	features	feature	NOUN
easat-10344	164	3	were	be	AUX
easat-10344	164	4	normalized	normalize	VERB
easat-10344	164	5	using	use	VERB
easat-10344	164	6	z	z	NOUN
easat-10344	164	7	-	-	PUNCT
easat-10344	164	8	score	score	NOUN
easat-10344	164	9	standardization	standardization	NOUN
easat-10344	164	10	:	:	PUNCT
easat-10344	165	1	z	z	X
easat-10344	165	2	=	=	PUNCT
easat-10344	165	3	x	x	SYM
easat-10344	165	4	−	−	PROPN
easat-10344	165	5	µ	µ	X
easat-10344	165	6	/σ	/σ	PUNCT
easat-10344	165	7	(	(	PUNCT
easat-10344	165	8	15	15	NUM
easat-10344	165	9	)	)	PUNCT
easat-10344	165	10	where	where	SCONJ
easat-10344	165	11	µ	µ	NOUN
easat-10344	165	12	is	be	AUX
easat-10344	165	13	the	the	DET
easat-10344	165	14	mean	mean	NOUN
easat-10344	165	15	,	,	PUNCT
easat-10344	165	16	σ	σ	PROPN
easat-10344	165	17	is	be	AUX
easat-10344	165	18	the	the	DET
easat-10344	165	19	standard	standard	ADJ
easat-10344	165	20	deviation	deviation	NOUN
easat-10344	165	21	of	of	ADP
easat-10344	165	22	each	each	DET
easat-10344	165	23	ratio	ratio	NOUN
easat-10344	165	24	,	,	PUNCT
easat-10344	165	25	and	and	CCONJ
easat-10344	165	26	then	then	ADV
easat-10344	165	27	integrated	integrate	VERB
easat-10344	165	28	into	into	ADP
easat-10344	165	29	both	both	CCONJ
easat-10344	165	30	the	the	DET
easat-10344	165	31	naive	naive	ADJ
easat-10344	165	32	bayes	bayes	NOUN
easat-10344	165	33	and	and	CCONJ
easat-10344	165	34	bnn	bnn	PROPN
easat-10344	165	35	models	model	NOUN
easat-10344	165	36	to	to	PART
easat-10344	165	37	improve	improve	VERB
easat-10344	165	38	credit	credit	NOUN
easat-10344	165	39	risk	risk	NOUN
easat-10344	165	40	predictions	prediction	NOUN
easat-10344	165	41	.	.	PUNCT
easat-10344	166	1	these	these	DET
easat-10344	166	2	ratios	ratio	NOUN
easat-10344	166	3	were	be	AUX
easat-10344	166	4	calculated	calculate	VERB
easat-10344	166	5	during	during	ADP
easat-10344	166	6	the	the	DET
easat-10344	166	7	preprocessing	preprocessing	NOUN
easat-10344	166	8	phase	phase	NOUN
easat-10344	166	9	using	use	VERB
easat-10344	166	10	the	the	DET
easat-10344	166	11	calculate_ratios(df	calculate_ratios(df	ADJ
easat-10344	166	12	)	)	PUNCT
easat-10344	166	13	function	function	NOUN
easat-10344	166	14	and	and	CCONJ
easat-10344	166	15	were	be	AUX
easat-10344	166	16	included	include	VERB
easat-10344	166	17	as	as	ADP
easat-10344	166	18	features	feature	NOUN
easat-10344	166	19	in	in	ADP
easat-10344	166	20	all	all	DET
easat-10344	166	21	machine	machine	NOUN
easat-10344	166	22	learning	learning	NOUN
easat-10344	166	23	models	model	NOUN
easat-10344	166	24	to	to	PART
easat-10344	166	25	enhance	enhance	VERB
easat-10344	166	26	risk	risk	NOUN
easat-10344	166	27	discrimination	discrimination	NOUN
easat-10344	166	28	power	power	NOUN
easat-10344	166	29	.	.	PUNCT
easat-10344	167	1	figure	figure	NOUN
easat-10344	167	2	4	4	NUM
easat-10344	167	3	demonstrates	demonstrate	VERB
easat-10344	167	4	their	their	PRON
easat-10344	167	5	relative	relative	ADJ
easat-10344	167	6	predictive	predictive	ADJ
easat-10344	167	7	importance	importance	NOUN
easat-10344	167	8	in	in	ADP
easat-10344	167	9	our	our	PRON
easat-10344	167	10	models	model	NOUN
easat-10344	167	11	.	.	PUNCT
easat-10344	168	1	92	92	NUM
easat-10344	168	2	edelweiss	edelweiss	PROPN
easat-10344	168	3	applied	apply	VERB
easat-10344	168	4	science	science	NOUN
easat-10344	168	5	and	and	CCONJ
easat-10344	168	6	technology	technology	NOUN
easat-10344	168	7	issn	issn	PROPN
easat-10344	168	8	:	:	PUNCT
easat-10344	168	9	2576	2576	NUM
easat-10344	168	10	-	-	SYM
easat-10344	168	11	8484	8484	NUM
easat-10344	168	12	vol	vol	NOUN
easat-10344	168	13	.	.	PROPN
easat-10344	169	1	9	9	NUM
easat-10344	169	2	,	,	PUNCT
easat-10344	169	3	no	no	INTJ
easat-10344	169	4	.	.	NOUN
easat-10344	169	5	10	10	NUM
easat-10344	169	6	:	:	PUNCT
easat-10344	169	7	83	83	NUM
easat-10344	169	8	-	-	SYM
easat-10344	169	9	103	103	NUM
easat-10344	169	10	,	,	PUNCT
easat-10344	169	11	2025	2025	NUM
easat-10344	169	12	doi	doi	NOUN
easat-10344	169	13	:	:	PUNCT
easat-10344	169	14	10.55214/2576	10.55214/2576	NUM
easat-10344	169	15	-	-	PUNCT
easat-10344	169	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	169	17	©	©	PROPN
easat-10344	169	18	2025	2025	NUM
easat-10344	169	19	by	by	ADP
easat-10344	169	20	the	the	DET
easat-10344	169	21	authors	author	NOUN
easat-10344	169	22	;	;	PUNCT
easat-10344	169	23	licensee	licensee	PROPN
easat-10344	169	24	learning	learn	VERB
easat-10344	169	25	gate	gate	NOUN
easat-10344	169	26	figure	figure	NOUN
easat-10344	169	27	4	4	NUM
easat-10344	169	28	.	.	PUNCT
easat-10344	169	29	financial	financial	ADJ
easat-10344	169	30	ratios	ratio	NOUN
easat-10344	169	31	'	'	PART
easat-10344	169	32	impact	impact	NOUN
easat-10344	169	33	on	on	ADP
easat-10344	169	34	predictions	prediction	NOUN
easat-10344	169	35	.	.	PUNCT
easat-10344	170	1	as	as	SCONJ
easat-10344	170	2	illustrated	illustrate	VERB
easat-10344	170	3	in	in	ADP
easat-10344	170	4	figure	figure	NOUN
easat-10344	170	5	4	4	NUM
easat-10344	170	6	,	,	PUNCT
easat-10344	170	7	preprocessing	preprocessing	NOUN
easat-10344	170	8	and	and	CCONJ
easat-10344	170	9	exploratory	exploratory	ADJ
easat-10344	170	10	data	datum	NOUN
easat-10344	170	11	analysis	analysis	NOUN
easat-10344	170	12	(	(	PUNCT
easat-10344	170	13	eda	eda	X
easat-10344	170	14	)	)	PUNCT
easat-10344	170	15	transformed	transform	VERB
easat-10344	170	16	the	the	DET
easat-10344	170	17	raw	raw	ADJ
easat-10344	170	18	data	datum	NOUN
easat-10344	170	19	into	into	ADP
easat-10344	170	20	a	a	DET
easat-10344	170	21	clean	clean	ADJ
easat-10344	170	22	,	,	PUNCT
easat-10344	170	23	structured	structured	ADJ
easat-10344	170	24	dataset	dataset	VERB
easat-10344	170	25	ready	ready	ADJ
easat-10344	170	26	for	for	ADP
easat-10344	170	27	modeling	modeling	NOUN
easat-10344	170	28	.	.	PUNCT
easat-10344	171	1	we	we	PRON
easat-10344	171	2	handled	handle	VERB
easat-10344	171	3	missing	missing	ADJ
easat-10344	171	4	values	value	NOUN
easat-10344	171	5	,	,	PUNCT
easat-10344	171	6	removed	remove	VERB
easat-10344	171	7	duplicates	duplicate	NOUN
easat-10344	171	8	,	,	PUNCT
easat-10344	171	9	normalized	normalize	VERB
easat-10344	171	10	features	feature	NOUN
easat-10344	171	11	,	,	PUNCT
easat-10344	171	12	and	and	CCONJ
easat-10344	171	13	encoded	encode	VERB
easat-10344	171	14	categorical	categorical	ADJ
easat-10344	171	15	variables	variable	NOUN
easat-10344	171	16	.	.	PUNCT
easat-10344	172	1	visual	visual	ADJ
easat-10344	172	2	and	and	CCONJ
easat-10344	172	3	statistical	statistical	ADJ
easat-10344	172	4	analysis	analysis	NOUN
easat-10344	172	5	revealed	reveal	VERB
easat-10344	172	6	key	key	ADJ
easat-10344	172	7	patterns	pattern	NOUN
easat-10344	172	8	,	,	PUNCT
easat-10344	172	9	outliers	outlier	NOUN
easat-10344	172	10	,	,	PUNCT
easat-10344	172	11	and	and	CCONJ
easat-10344	172	12	correlations	correlation	NOUN
easat-10344	172	13	,	,	PUNCT
easat-10344	172	14	guiding	guide	VERB
easat-10344	172	15	our	our	PRON
easat-10344	172	16	understanding	understanding	NOUN
easat-10344	172	17	of	of	ADP
easat-10344	172	18	credit	credit	NOUN
easat-10344	172	19	risk	risk	NOUN
easat-10344	172	20	factors	factor	NOUN
easat-10344	172	21	.	.	PUNCT
easat-10344	173	1	we	we	PRON
easat-10344	173	2	also	also	ADV
easat-10344	173	3	created	create	VERB
easat-10344	173	4	new	new	ADJ
easat-10344	173	5	financial	financial	ADJ
easat-10344	173	6	ratios	ratio	NOUN
easat-10344	173	7	to	to	PART
easat-10344	173	8	better	well	ADV
easat-10344	173	9	capture	capture	VERB
easat-10344	173	10	stability	stability	NOUN
easat-10344	173	11	,	,	PUNCT
easat-10344	173	12	liquidity	liquidity	NOUN
easat-10344	173	13	,	,	PUNCT
easat-10344	173	14	and	and	CCONJ
easat-10344	173	15	solvency	solvency	NOUN
easat-10344	173	16	.	.	PUNCT
easat-10344	174	1	with	with	ADP
easat-10344	174	2	this	this	DET
easat-10344	174	3	enriched	enrich	VERB
easat-10344	174	4	dataset	dataset	NOUN
easat-10344	174	5	,	,	PUNCT
easat-10344	174	6	we	we	PRON
easat-10344	174	7	moved	move	VERB
easat-10344	174	8	on	on	ADP
easat-10344	174	9	to	to	ADP
easat-10344	174	10	building	build	VERB
easat-10344	174	11	and	and	CCONJ
easat-10344	174	12	evaluating	evaluate	VERB
easat-10344	174	13	bayesian	bayesian	NOUN
easat-10344	174	14	credit	credit	NOUN
easat-10344	174	15	risk	risk	NOUN
easat-10344	174	16	models	model	NOUN
easat-10344	174	17	.	.	PUNCT
easat-10344	175	1	4.4	4.4	NUM
easat-10344	175	2	.	.	PUNCT
easat-10344	176	1	bayesian	bayesian	NOUN
easat-10344	176	2	model	model	NOUN
easat-10344	176	3	construction	construction	NOUN
easat-10344	176	4	and	and	CCONJ
easat-10344	176	5	implementation	implementation	NOUN
easat-10344	176	6	this	this	DET
easat-10344	176	7	paragraph	paragraph	NOUN
easat-10344	176	8	presents	present	VERB
easat-10344	176	9	the	the	DET
easat-10344	176	10	implementation	implementation	NOUN
easat-10344	176	11	and	and	CCONJ
easat-10344	176	12	evaluation	evaluation	NOUN
easat-10344	176	13	of	of	ADP
easat-10344	176	14	a	a	DET
easat-10344	176	15	credit	credit	NOUN
easat-10344	176	16	risk	risk	NOUN
easat-10344	176	17	prediction	prediction	NOUN
easat-10344	176	18	system	system	NOUN
easat-10344	176	19	using	use	VERB
easat-10344	176	20	bayesian	bayesian	NOUN
easat-10344	176	21	learning	learn	VERB
easat-10344	176	22	approaches	approach	NOUN
easat-10344	176	23	,	,	PUNCT
easat-10344	176	24	including	include	VERB
easat-10344	176	25	a	a	DET
easat-10344	176	26	gaussian	gaussian	ADJ
easat-10344	176	27	naive	naive	ADJ
easat-10344	176	28	bayes	bayes	NOUN
easat-10344	176	29	classifier	classifier	NOUN
easat-10344	176	30	and	and	CCONJ
easat-10344	176	31	a	a	DET
easat-10344	176	32	bayesian	bayesian	NOUN
easat-10344	176	33	neural	neural	ADJ
easat-10344	176	34	network	network	NOUN
easat-10344	176	35	(	(	PUNCT
easat-10344	176	36	bnn	bnn	PROPN
easat-10344	176	37	)	)	PUNCT
easat-10344	176	38	.	.	PUNCT
easat-10344	177	1	the	the	DET
easat-10344	177	2	system	system	NOUN
easat-10344	177	3	demonstrates	demonstrate	VERB
easat-10344	177	4	the	the	DET
easat-10344	177	5	effectiveness	effectiveness	NOUN
easat-10344	177	6	of	of	ADP
easat-10344	177	7	probabilistic	probabilistic	ADJ
easat-10344	177	8	models	model	NOUN
easat-10344	177	9	in	in	ADP
easat-10344	177	10	financial	financial	ADJ
easat-10344	177	11	risk	risk	NOUN
easat-10344	177	12	assessment	assessment	NOUN
easat-10344	177	13	.	.	PUNCT
easat-10344	178	1	4.5	4.5	NUM
easat-10344	178	2	.	.	PUNCT
easat-10344	179	1	system	system	NOUN
easat-10344	179	2	architecture	architecture	NOUN
easat-10344	179	3	overview	overview	VERB
easat-10344	179	4	the	the	DET
easat-10344	179	5	implementation	implementation	NOUN
easat-10344	179	6	consists	consist	VERB
easat-10344	179	7	of	of	ADP
easat-10344	179	8	two	two	NUM
easat-10344	179	9	main	main	ADJ
easat-10344	179	10	components	component	NOUN
easat-10344	179	11	:	:	PUNCT
easat-10344	179	12	data	datum	NOUN
easat-10344	179	13	preprocessing	preprocessing	NOUN
easat-10344	179	14	:	:	PUNCT
easat-10344	179	15	handles	handle	VERB
easat-10344	179	16	data	datum	NOUN
easat-10344	179	17	loading	loading	NOUN
easat-10344	179	18	,	,	PUNCT
easat-10344	179	19	feature	feature	NOUN
easat-10344	179	20	engineering	engineering	NOUN
easat-10344	179	21	(	(	PUNCT
easat-10344	179	22	including	include	VERB
easat-10344	179	23	financial	financial	ADJ
easat-10344	179	24	ratio	ratio	NOUN
easat-10344	179	25	calculations	calculation	NOUN
easat-10344	179	26	)	)	PUNCT
easat-10344	179	27	,	,	PUNCT
easat-10344	179	28	categorical	categorical	ADJ
easat-10344	179	29	encoding	encoding	NOUN
easat-10344	179	30	,	,	PUNCT
easat-10344	179	31	and	and	CCONJ
easat-10344	179	32	standardization	standardization	NOUN
easat-10344	179	33	.	.	PUNCT
easat-10344	180	1	model	model	NOUN
easat-10344	180	2	training	training	NOUN
easat-10344	180	3	:	:	PUNCT
easat-10344	180	4	implements	implement	VERB
easat-10344	180	5	both	both	CCONJ
easat-10344	180	6	the	the	DET
easat-10344	180	7	naive	naive	ADJ
easat-10344	180	8	bayes	bayes	NOUN
easat-10344	180	9	classifier	classifier	NOUN
easat-10344	180	10	and	and	CCONJ
easat-10344	180	11	the	the	DET
easat-10344	180	12	bnn	bnn	PROPN
easat-10344	180	13	model	model	NOUN
easat-10344	180	14	using	use	VERB
easat-10344	180	15	scikit	scikit	NOUN
easat-10344	180	16	-	-	PUNCT
easat-10344	180	17	learn	learn	NOUN
easat-10344	180	18	and	and	CCONJ
easat-10344	180	19	pytorch	pytorch	NOUN
easat-10344	180	20	.	.	PUNCT
easat-10344	181	1	4.6	4.6	NUM
easat-10344	181	2	.	.	PUNCT
easat-10344	181	3	naive	naive	ADJ
easat-10344	181	4	bayes	bayes	PROPN
easat-10344	181	5	model	model	NOUN
easat-10344	181	6	training	training	NOUN
easat-10344	181	7	as	as	SCONJ
easat-10344	181	8	illustrated	illustrate	VERB
easat-10344	181	9	in	in	ADP
easat-10344	181	10	listing	list	VERB
easat-10344	181	11	1	1	NUM
easat-10344	181	12	,	,	PUNCT
easat-10344	181	13	the	the	DET
easat-10344	181	14	naive	naive	ADJ
easat-10344	181	15	bayes	bayes	NOUN
easat-10344	181	16	classifier	classifier	NOUN
easat-10344	181	17	is	be	AUX
easat-10344	181	18	implemented	implement	VERB
easat-10344	181	19	using	use	VERB
easat-10344	181	20	scikit	scikit	NOUN
easat-10344	181	21	-	-	PUNCT
easat-10344	181	22	learn	learn	VERB
easat-10344	181	23	’s	’s	PART
easat-10344	181	24	gaussiannb	gaussiannb	ADJ
easat-10344	181	25	module	module	NOUN
easat-10344	181	26	,	,	PUNCT
easat-10344	181	27	providing	provide	VERB
easat-10344	181	28	a	a	DET
easat-10344	181	29	simple	simple	ADJ
easat-10344	181	30	probabilistic	probabilistic	ADJ
easat-10344	181	31	baseline	baseline	NOUN
easat-10344	181	32	with	with	ADP
easat-10344	181	33	the	the	DET
easat-10344	181	34	assumption	assumption	NOUN
easat-10344	181	35	of	of	ADP
easat-10344	181	36	feature	feature	NOUN
easat-10344	181	37	independence	independence	NOUN
easat-10344	181	38	.	.	PUNCT
easat-10344	182	1	93	93	NUM
easat-10344	182	2	edelweiss	edelweiss	PROPN
easat-10344	182	3	applied	apply	VERB
easat-10344	182	4	science	science	NOUN
easat-10344	182	5	and	and	CCONJ
easat-10344	182	6	technology	technology	NOUN
easat-10344	182	7	issn	issn	PROPN
easat-10344	182	8	:	:	PUNCT
easat-10344	182	9	2576	2576	NUM
easat-10344	182	10	-	-	SYM
easat-10344	182	11	8484	8484	NUM
easat-10344	182	12	vol	vol	NOUN
easat-10344	182	13	.	.	PROPN
easat-10344	183	1	9	9	NUM
easat-10344	183	2	,	,	PUNCT
easat-10344	183	3	no	no	INTJ
easat-10344	183	4	.	.	NOUN
easat-10344	183	5	10	10	NUM
easat-10344	183	6	:	:	PUNCT
easat-10344	183	7	83	83	NUM
easat-10344	183	8	-	-	SYM
easat-10344	183	9	103	103	NUM
easat-10344	183	10	,	,	PUNCT
easat-10344	183	11	2025	2025	NUM
easat-10344	183	12	doi	doi	NOUN
easat-10344	183	13	:	:	PUNCT
easat-10344	183	14	10.55214/2576	10.55214/2576	NUM
easat-10344	183	15	-	-	PUNCT
easat-10344	183	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	183	17	©	©	PROPN
easat-10344	183	18	2025	2025	NUM
easat-10344	183	19	by	by	ADP
easat-10344	183	20	the	the	DET
easat-10344	183	21	authors	author	NOUN
easat-10344	183	22	;	;	PUNCT
easat-10344	183	23	licensee	licensee	PROPN
easat-10344	183	24	learning	learning	PROPN
easat-10344	183	25	gate	gate	PROPN
easat-10344	183	26	class	class	PROPN
easat-10344	183	27	simple	simple	ADJ
easat-10344	183	28	bnn	bnn	PROPN
easat-10344	183	29	(	(	PUNCT
easat-10344	183	30	nn	nn	PROPN
easat-10344	183	31	.	.	PROPN
easat-10344	183	32	module	module	NOUN
easat-10344	183	33	):	):	PUNCT
easat-10344	183	34	def	def	PROPN
easat-10344	183	35	_	_	PUNCT
easat-10344	184	1	_	_	PUNCT
easat-10344	184	2	init	init	X
easat-10344	184	3	_	_	PUNCT
easat-10344	185	1	_	_	PUNCT
easat-10344	185	2	(	(	PUNCT
easat-10344	185	3	self	self	NOUN
easat-10344	185	4	,	,	PUNCT
easat-10344	185	5	input_size	input_size	VERB
easat-10344	185	6	):	):	PUNCT
easat-10344	185	7	super	super	ADJ
easat-10344	185	8	(	(	PUNCT
easat-10344	185	9	simplebnn	simplebnn	X
easat-10344	185	10	,	,	PUNCT
easat-10344	185	11	self	self	NOUN
easat-10344	185	12	)	)	PUNCT
easat-10344	185	13	.	.	PUNCT
easat-10344	186	1	_	_	PUNCT
easat-10344	187	1	_	_	PUNCT
easat-10344	187	2	init	init	VERB
easat-10344	187	3	_	_	PUNCT
easat-10344	187	4	_	_	PUNCT
easat-10344	187	5	(	(	PUNCT
easat-10344	187	6	)	)	PUNCT
easat-10344	187	7	self	self	NOUN
easat-10344	187	8	.	.	PUNCT
easat-10344	188	1	fc1	fc1	PROPN
easat-10344	188	2	=	=	SYM
easat-10344	188	3	nn	nn	PROPN
easat-10344	188	4	.	.	PROPN
easat-10344	188	5	linear	linear	PROPN
easat-10344	188	6	(	(	PUNCT
easat-10344	188	7	input_size	input_size	PROPN
easat-10344	188	8	,	,	PUNCT
easat-10344	188	9	16	16	NUM
easat-10344	188	10	)	)	PUNCT
easat-10344	188	11	self	self	NOUN
easat-10344	188	12	.	.	PUNCT
easat-10344	189	1	fc2	fc2	PROPN
easat-10344	190	1	=	=	SYM
easat-10344	190	2	nn	nn	PROPN
easat-10344	190	3	.	.	PROPN
easat-10344	190	4	linear	linear	PROPN
easat-10344	190	5	(	(	PUNCT
easat-10344	190	6	16	16	NUM
easat-10344	190	7	,	,	PUNCT
easat-10344	190	8	8)	8)	NUM
easat-10344	190	9	self	self	NOUN
easat-10344	190	10	.	.	PUNCT
easat-10344	191	1	out	out	ADP
easat-10344	191	2	=	=	SYM
easat-10344	191	3	nn	nn	PROPN
easat-10344	191	4	.	.	PROPN
easat-10344	191	5	linear	linear	PROPN
easat-10344	191	6	(	(	PUNCT
easat-10344	191	7	8	8	NUM
easat-10344	191	8	,	,	PUNCT
easat-10344	191	9	1	1	X
easat-10344	191	10	)	)	PUNCT
easat-10344	191	11	def	def	ADJ
easat-10344	191	12	forward	forward	ADV
easat-10344	191	13	(	(	PUNCT
easat-10344	191	14	self	self	NOUN
easat-10344	191	15	,	,	PUNCT
easat-10344	191	16	x	x	X
easat-10344	191	17	):	):	PUNCT
easat-10344	191	18	x	x	SYM
easat-10344	191	19	=	=	PUNCT
easat-10344	191	20	f.	f.	PROPN
easat-10344	191	21	relu	relu	PROPN
easat-10344	191	22	(	(	PUNCT
easat-10344	191	23	self	self	NOUN
easat-10344	191	24	.	.	PUNCT
easat-10344	192	1	fc1	fc1	PROPN
easat-10344	192	2	(	(	PUNCT
easat-10344	192	3	x	x	NOUN
easat-10344	192	4	)	)	PUNCT
easat-10344	192	5	)	)	PUNCT
easat-10344	192	6	x	x	X
easat-10344	193	1	=	=	PUNCT
easat-10344	193	2	f.	f.	PROPN
easat-10344	193	3	relu	relu	PROPN
easat-10344	193	4	(	(	PUNCT
easat-10344	193	5	self	self	NOUN
easat-10344	193	6	.	.	PUNCT
easat-10344	194	1	fc2	fc2	PROPN
easat-10344	194	2	(	(	PUNCT
easat-10344	194	3	x	x	NOUN
easat-10344	194	4	)	)	PUNCT
easat-10344	194	5	)	)	PUNCT
easat-10344	195	1	x	x	X
easat-10344	195	2	=	=	PUNCT
easat-10344	195	3	torch	torch	NOUN
easat-10344	195	4	.	.	PUNCT
easat-10344	196	1	sigmoid	sigmoid	NOUN
easat-10344	196	2	(	(	PUNCT
easat-10344	196	3	self	self	NOUN
easat-10344	196	4	.	.	PUNCT
easat-10344	197	1	out	out	ADV
easat-10344	197	2	(	(	PUNCT
easat-10344	197	3	x	x	NOUN
easat-10344	197	4	)	)	PUNCT
easat-10344	197	5	)	)	PUNCT
easat-10344	198	1	return	return	NOUN
easat-10344	198	2	x	x	SYM
easat-10344	198	3	nb	nb	NOUN
easat-10344	198	4	=	=	PUNCT
easat-10344	198	5	gaussian	gaussian	PROPN
easat-10344	198	6	nb	nb	PROPN
easat-10344	198	7	(	(	PUNCT
easat-10344	198	8	)	)	PUNCT
easat-10344	198	9	nb	nb	PROPN
easat-10344	198	10	.	.	PUNCT
easat-10344	199	1	fit	fit	PROPN
easat-10344	199	2	(	(	PUNCT
easat-10344	199	3	x_train	x_train	X
easat-10344	199	4	,	,	PUNCT
easat-10344	199	5	y_train	y_train	PROPN
easat-10344	199	6	)	)	PUNCT
easat-10344	199	7	joblib	joblib	NOUN
easat-10344	199	8	.	.	PUNCT
easat-10344	200	1	dump	dump	VERB
easat-10344	200	2	(	(	PUNCT
easat-10344	200	3	nb	nb	INTJ
easat-10344	200	4	,	,	PUNCT
easat-10344	200	5	’	'	PUNCT
easat-10344	200	6	naive_bayes_model	naive_bayes_model	PART
easat-10344	200	7	.	.	PUNCT
easat-10344	201	1	pkl	pkl	PROPN
easat-10344	201	2	’	'	PUNCT
easat-10344	201	3	)	)	PUNCT
easat-10344	201	4	listing	list	VERB
easat-10344	201	5	1	1	NUM
easat-10344	201	6	:	:	PUNCT
easat-10344	201	7	training	train	VERB
easat-10344	201	8	the	the	DET
easat-10344	201	9	naive	naive	ADJ
easat-10344	201	10	bayes	bayes	NOUN
easat-10344	201	11	classifier	classifier	PROPN
easat-10344	201	12	4.6.1	4.6.1	PROPN
easat-10344	201	13	.	.	PUNCT
easat-10344	201	14	bnn	bnn	PROPN
easat-10344	201	15	model	model	NOUN
easat-10344	201	16	architecture	architecture	NOUN
easat-10344	201	17	and	and	CCONJ
easat-10344	201	18	training	training	NOUN
easat-10344	201	19	as	as	SCONJ
easat-10344	201	20	illustrated	illustrate	VERB
easat-10344	201	21	in	in	ADP
easat-10344	201	22	listing	list	VERB
easat-10344	201	23	2	2	NUM
easat-10344	201	24	,	,	PUNCT
easat-10344	201	25	the	the	DET
easat-10344	201	26	bayesian	bayesian	ADJ
easat-10344	201	27	neural	neural	ADJ
easat-10344	201	28	network	network	NOUN
easat-10344	201	29	is	be	AUX
easat-10344	201	30	implemented	implement	VERB
easat-10344	201	31	using	use	VERB
easat-10344	201	32	pytorch	pytorch	NOUN
easat-10344	201	33	with	with	ADP
easat-10344	201	34	the	the	DET
easat-10344	201	35	following	follow	VERB
easat-10344	201	36	architecture	architecture	NOUN
easat-10344	201	37	:	:	PUNCT
easat-10344	201	38	listing	list	VERB
easat-10344	201	39	2	2	NUM
easat-10344	201	40	:	:	PUNCT
easat-10344	201	41	bnn	bnn	PROPN
easat-10344	201	42	architecture	architecture	NOUN
easat-10344	201	43	using	use	VERB
easat-10344	201	44	pytorch	pytorch	NOUN
easat-10344	201	45	the	the	DET
easat-10344	201	46	training	training	NOUN
easat-10344	201	47	process	process	NOUN
easat-10344	201	48	shows	show	VERB
easat-10344	201	49	consistent	consistent	ADJ
easat-10344	201	50	convergence	convergence	NOUN
easat-10344	201	51	,	,	PUNCT
easat-10344	201	52	as	as	SCONJ
easat-10344	201	53	illustrated	illustrate	VERB
easat-10344	201	54	in	in	ADP
easat-10344	201	55	figure	figure	NOUN
easat-10344	201	56	5	5	NUM
easat-10344	201	57	:	:	SYM
easat-10344	201	58	94	94	NUM
easat-10344	201	59	edelweiss	edelweiss	PROPN
easat-10344	201	60	applied	apply	VERB
easat-10344	201	61	science	science	NOUN
easat-10344	201	62	and	and	CCONJ
easat-10344	201	63	technology	technology	NOUN
easat-10344	201	64	issn	issn	PROPN
easat-10344	201	65	:	:	PUNCT
easat-10344	201	66	2576	2576	NUM
easat-10344	201	67	-	-	SYM
easat-10344	201	68	8484	8484	NUM
easat-10344	201	69	vol	vol	NOUN
easat-10344	201	70	.	.	PROPN
easat-10344	202	1	9	9	NUM
easat-10344	202	2	,	,	PUNCT
easat-10344	202	3	no	no	INTJ
easat-10344	202	4	.	.	NOUN
easat-10344	202	5	10	10	NUM
easat-10344	202	6	:	:	PUNCT
easat-10344	202	7	83	83	NUM
easat-10344	202	8	-	-	SYM
easat-10344	202	9	103	103	NUM
easat-10344	202	10	,	,	PUNCT
easat-10344	202	11	2025	2025	NUM
easat-10344	202	12	doi	doi	NOUN
easat-10344	202	13	:	:	PUNCT
easat-10344	202	14	10.55214/2576	10.55214/2576	NUM
easat-10344	202	15	-	-	PUNCT
easat-10344	202	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	202	17	©	©	PROPN
easat-10344	202	18	2025	2025	NUM
easat-10344	202	19	by	by	ADP
easat-10344	202	20	the	the	DET
easat-10344	202	21	authors	author	NOUN
easat-10344	202	22	;	;	PUNCT
easat-10344	202	23	licensee	licensee	PROPN
easat-10344	202	24	learning	learn	VERB
easat-10344	202	25	gate	gate	PROPN
easat-10344	202	26	figure	figure	NOUN
easat-10344	202	27	5	5	NUM
easat-10344	202	28	.	.	PUNCT
easat-10344	203	1	bnn	bnn	PROPN
easat-10344	203	2	training	training	NOUN
easat-10344	203	3	loss	loss	NOUN
easat-10344	203	4	curve	curve	NOUN
easat-10344	203	5	showing	show	VERB
easat-10344	203	6	convergence	convergence	NOUN
easat-10344	203	7	over	over	ADP
easat-10344	203	8	500	500	NUM
easat-10344	203	9	epochs	epoch	NOUN
easat-10344	203	10	with	with	ADP
easat-10344	203	11	no	no	DET
easat-10344	203	12	signs	sign	NOUN
easat-10344	203	13	of	of	ADP
easat-10344	203	14	overfitting	overfitte	VERB
easat-10344	203	15	4.7	4.7	NUM
easat-10344	203	16	.	.	PUNCT
easat-10344	204	1	model	model	NOUN
easat-10344	204	2	evaluation	evaluation	NOUN
easat-10344	204	3	both	both	DET
easat-10344	204	4	models	model	NOUN
easat-10344	204	5	were	be	AUX
easat-10344	204	6	evaluated	evaluate	VERB
easat-10344	204	7	using	use	VERB
easat-10344	204	8	standard	standard	ADJ
easat-10344	204	9	classification	classification	NOUN
easat-10344	204	10	metrics	metric	NOUN
easat-10344	204	11	,	,	PUNCT
easat-10344	204	12	confusion	confusion	NOUN
easat-10344	204	13	matrices	matrix	NOUN
easat-10344	204	14	,	,	PUNCT
easat-10344	204	15	and	and	CCONJ
easat-10344	204	16	f1	f1	PROPN
easat-10344	204	17	scores	score	NOUN
easat-10344	204	18	.	.	PUNCT
easat-10344	205	1	the	the	DET
easat-10344	205	2	comparative	comparative	ADJ
easat-10344	205	3	performance	performance	NOUN
easat-10344	205	4	is	be	AUX
easat-10344	205	5	shown	show	VERB
easat-10344	205	6	in	in	ADP
easat-10344	205	7	figure	figure	NOUN
easat-10344	205	8	6	6	NUM
easat-10344	205	9	.	.	PUNCT
easat-10344	206	1	figure	figure	VERB
easat-10344	206	2	6	6	NUM
easat-10344	206	3	.	.	PUNCT
easat-10344	207	1	performance	performance	NOUN
easat-10344	207	2	comparison	comparison	NOUN
easat-10344	207	3	between	between	ADP
easat-10344	207	4	models	model	NOUN
easat-10344	207	5	.	.	PUNCT
easat-10344	208	1	4.8	4.8	NUM
easat-10344	208	2	.	.	PUNCT
easat-10344	209	1	detailed	detailed	ADJ
easat-10344	209	2	classification	classification	NOUN
easat-10344	209	3	reports	report	VERB
easat-10344	209	4	the	the	DET
easat-10344	209	5	performance	performance	NOUN
easat-10344	209	6	of	of	ADP
easat-10344	209	7	both	both	DET
easat-10344	209	8	models	model	NOUN
easat-10344	209	9	was	be	AUX
easat-10344	209	10	evaluated	evaluate	VERB
easat-10344	209	11	using	use	VERB
easat-10344	209	12	standard	standard	ADJ
easat-10344	209	13	classification	classification	NOUN
easat-10344	209	14	metrics	metric	NOUN
easat-10344	209	15	.	.	PUNCT
easat-10344	210	1	the	the	DET
easat-10344	210	2	naive	naive	ADJ
easat-10344	210	3	bayes	bayes	NOUN
easat-10344	210	4	classifier	classifier	NOUN
easat-10344	210	5	achieved	achieve	VERB
easat-10344	210	6	an	an	DET
easat-10344	210	7	overall	overall	ADJ
easat-10344	210	8	accuracy	accuracy	NOUN
easat-10344	210	9	of	of	ADP
easat-10344	210	10	80.18	80.18	NUM
easat-10344	210	11	%	%	NOUN
easat-10344	210	12	,	,	PUNCT
easat-10344	210	13	with	with	ADP
easat-10344	210	14	strong	strong	ADJ
easat-10344	210	15	results	result	NOUN
easat-10344	210	16	for	for	ADP
easat-10344	210	17	the	the	DET
easat-10344	210	18	non	non	ADJ
easat-10344	210	19	-	-	ADJ
easat-10344	210	20	default	default	ADJ
easat-10344	210	21	class	class	NOUN
easat-10344	210	22	:	:	PUNCT
easat-10344	210	23	precision	precision	NOUN
easat-10344	210	24	0.89	0.89	NUM
easat-10344	210	25	,	,	PUNCT
easat-10344	210	26	recall	recall	VERB
easat-10344	210	27	0.85	0.85	NUM
easat-10344	210	28	,	,	PUNCT
easat-10344	210	29	and	and	CCONJ
easat-10344	210	30	f1	f1	NOUN
easat-10344	210	31	-	-	PUNCT
easat-10344	210	32	score	score	NOUN
easat-10344	210	33	0.87	0.87	NUM
easat-10344	210	34	.	.	PUNCT
easat-10344	211	1	however	however	ADV
easat-10344	211	2	,	,	PUNCT
easat-10344	211	3	its	its	PRON
easat-10344	211	4	performance	performance	NOUN
easat-10344	211	5	on	on	ADP
easat-10344	211	6	the	the	DET
easat-10344	211	7	default	default	NOUN
easat-10344	211	8	class	class	NOUN
easat-10344	211	9	was	be	AUX
easat-10344	211	10	more	more	ADV
easat-10344	211	11	modest	modest	ADJ
easat-10344	211	12	,	,	PUNCT
easat-10344	211	13	with	with	ADP
easat-10344	211	14	a	a	DET
easat-10344	211	15	precision	precision	NOUN
easat-10344	211	16	of	of	ADP
easat-10344	211	17	0.54	0.54	NUM
easat-10344	211	18	,	,	PUNCT
easat-10344	211	19	a	a	DET
easat-10344	211	20	recall	recall	NOUN
easat-10344	211	21	of	of	ADP
easat-10344	211	22	0.65	0.65	NUM
easat-10344	211	23	,	,	PUNCT
easat-10344	211	24	and	and	CCONJ
easat-10344	211	25	an	an	DET
easat-10344	211	26	f1	f1	NOUN
easat-10344	211	27	-	-	PUNCT
easat-10344	211	28	score	score	NOUN
easat-10344	211	29	of	of	ADP
easat-10344	211	30	0.59	0.59	NUM
easat-10344	211	31	,	,	PUNCT
easat-10344	211	32	resulting	result	VERB
easat-10344	211	33	in	in	ADP
easat-10344	211	34	a	a	DET
easat-10344	211	35	weighted	weighted	ADJ
easat-10344	211	36	95	95	NUM
easat-10344	211	37	edelweiss	edelweiss	PROPN
easat-10344	211	38	applied	apply	VERB
easat-10344	211	39	science	science	NOUN
easat-10344	211	40	and	and	CCONJ
easat-10344	211	41	technology	technology	NOUN
easat-10344	211	42	issn	issn	PROPN
easat-10344	211	43	:	:	PUNCT
easat-10344	211	44	2576	2576	NUM
easat-10344	211	45	-	-	SYM
easat-10344	211	46	8484	8484	NUM
easat-10344	211	47	vol	vol	NOUN
easat-10344	211	48	.	.	PROPN
easat-10344	212	1	9	9	NUM
easat-10344	212	2	,	,	PUNCT
easat-10344	212	3	no	no	INTJ
easat-10344	212	4	.	.	NOUN
easat-10344	212	5	10	10	NUM
easat-10344	212	6	:	:	PUNCT
easat-10344	212	7	83	83	NUM
easat-10344	212	8	-	-	SYM
easat-10344	212	9	103	103	NUM
easat-10344	212	10	,	,	PUNCT
easat-10344	212	11	2025	2025	NUM
easat-10344	212	12	doi	doi	NOUN
easat-10344	212	13	:	:	PUNCT
easat-10344	212	14	10.55214/2576	10.55214/2576	NUM
easat-10344	212	15	-	-	PUNCT
easat-10344	212	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	212	17	©	©	PROPN
easat-10344	212	18	2025	2025	NUM
easat-10344	212	19	by	by	ADP
easat-10344	212	20	the	the	DET
easat-10344	212	21	authors	author	NOUN
easat-10344	212	22	;	;	PUNCT
easat-10344	212	23	licensee	licensee	PROPN
easat-10344	212	24	learning	learn	VERB
easat-10344	212	25	gate	gate	PROPN
easat-10344	212	26	average	average	ADJ
easat-10344	212	27	f1	f1	NOUN
easat-10344	212	28	-	-	PUNCT
easat-10344	212	29	score	score	NOUN
easat-10344	212	30	of	of	ADP
easat-10344	212	31	0.81	0.81	NUM
easat-10344	212	32	.	.	PUNCT
easat-10344	213	1	in	in	ADP
easat-10344	213	2	contrast	contrast	NOUN
easat-10344	213	3	,	,	PUNCT
easat-10344	213	4	the	the	DET
easat-10344	213	5	bayesian	bayesian	ADJ
easat-10344	213	6	neural	neural	ADJ
easat-10344	213	7	network	network	NOUN
easat-10344	213	8	(	(	PUNCT
easat-10344	213	9	bnn	bnn	X
easat-10344	213	10	)	)	PUNCT
easat-10344	213	11	demonstrated	demonstrate	VERB
easat-10344	213	12	superior	superior	ADJ
easat-10344	213	13	performance	performance	NOUN
easat-10344	213	14	,	,	PUNCT
easat-10344	213	15	achieving	achieve	VERB
easat-10344	213	16	an	an	DET
easat-10344	213	17	overall	overall	ADJ
easat-10344	213	18	accuracy	accuracy	NOUN
easat-10344	213	19	of	of	ADP
easat-10344	213	20	90.19	90.19	NUM
easat-10344	213	21	%	%	NOUN
easat-10344	213	22	.	.	PUNCT
easat-10344	214	1	for	for	ADP
easat-10344	214	2	the	the	DET
easat-10344	214	3	non	non	ADJ
easat-10344	214	4	-	-	ADJ
easat-10344	214	5	default	default	ADJ
easat-10344	214	6	class	class	NOUN
easat-10344	214	7	,	,	PUNCT
easat-10344	214	8	it	it	PRON
easat-10344	214	9	reached	reach	VERB
easat-10344	214	10	precision	precision	NOUN
easat-10344	214	11	0.91	0.91	NUM
easat-10344	214	12	,	,	PUNCT
easat-10344	214	13	recall	recall	VERB
easat-10344	214	14	0.97	0.97	NUM
easat-10344	214	15	,	,	PUNCT
easat-10344	214	16	and	and	CCONJ
easat-10344	214	17	f1	f1	NOUN
easat-10344	214	18	-	-	PUNCT
easat-10344	214	19	score	score	NOUN
easat-10344	214	20	0.94	0.94	NUM
easat-10344	214	21	,	,	PUNCT
easat-10344	214	22	while	while	SCONJ
easat-10344	214	23	for	for	ADP
easat-10344	214	24	the	the	DET
easat-10344	214	25	default	default	NOUN
easat-10344	214	26	class	class	NOUN
easat-10344	214	27	,	,	PUNCT
easat-10344	214	28	it	it	PRON
easat-10344	214	29	obtained	obtain	VERB
easat-10344	214	30	precision	precision	NOUN
easat-10344	214	31	0.88	0.88	NUM
easat-10344	214	32	,	,	PUNCT
easat-10344	214	33	recall	recall	VERB
easat-10344	214	34	0.64	0.64	NUM
easat-10344	214	35	,	,	PUNCT
easat-10344	214	36	and	and	CCONJ
easat-10344	214	37	f1	f1	NOUN
easat-10344	214	38	-	-	PUNCT
easat-10344	214	39	score	score	NOUN
easat-10344	214	40	0.74	0.74	NUM
easat-10344	214	41	,	,	PUNCT
easat-10344	214	42	leading	lead	VERB
easat-10344	214	43	to	to	ADP
easat-10344	214	44	a	a	DET
easat-10344	214	45	weighted	weight	VERB
easat-10344	214	46	average	average	ADJ
easat-10344	214	47	f1	f1	NOUN
easat-10344	214	48	-	-	PUNCT
easat-10344	214	49	score	score	NOUN
easat-10344	214	50	of	of	ADP
easat-10344	214	51	0.90	0.90	NUM
easat-10344	214	52	.	.	PUNCT
easat-10344	215	1	the	the	DET
easat-10344	215	2	confusion	confusion	NOUN
easat-10344	215	3	matrices	matrix	NOUN
easat-10344	215	4	presented	present	VERB
easat-10344	215	5	in	in	ADP
easat-10344	215	6	figure	figure	NOUN
easat-10344	215	7	7	7	NUM
easat-10344	215	8	provide	provide	VERB
easat-10344	215	9	a	a	DET
easat-10344	215	10	visual	visual	ADJ
easat-10344	215	11	comparison	comparison	NOUN
easat-10344	215	12	of	of	ADP
easat-10344	215	13	the	the	DET
easat-10344	215	14	classification	classification	NOUN
easat-10344	215	15	performance	performance	NOUN
easat-10344	215	16	for	for	ADP
easat-10344	215	17	each	each	DET
easat-10344	215	18	model	model	NOUN
easat-10344	215	19	,	,	PUNCT
easat-10344	215	20	highlighting	highlight	VERB
easat-10344	215	21	the	the	DET
easat-10344	215	22	bnn	bnn	PROPN
easat-10344	215	23	’s	’s	PART
easat-10344	215	24	enhanced	enhance	VERB
easat-10344	215	25	ability	ability	NOUN
easat-10344	215	26	to	to	PART
easat-10344	215	27	distinguish	distinguish	VERB
easat-10344	215	28	between	between	ADP
easat-10344	215	29	default	default	NOUN
easat-10344	215	30	and	and	CCONJ
easat-10344	215	31	non	non	ADJ
easat-10344	215	32	-	-	ADJ
easat-10344	215	33	default	default	ADJ
easat-10344	215	34	cases	case	NOUN
easat-10344	215	35	.	.	PUNCT
easat-10344	216	1	the	the	DET
easat-10344	216	2	confusion	confusion	NOUN
easat-10344	216	3	matrices	matrix	NOUN
easat-10344	216	4	in	in	ADP
easat-10344	216	5	figure	figure	NOUN
easat-10344	216	6	7	7	NUM
easat-10344	216	7	reveal	reveal	VERB
easat-10344	216	8	the	the	DET
easat-10344	216	9	detailed	detailed	ADJ
easat-10344	216	10	classification	classification	NOUN
easat-10344	216	11	performance	performance	NOUN
easat-10344	216	12	for	for	ADP
easat-10344	216	13	each	each	DET
easat-10344	216	14	model	model	NOUN
easat-10344	216	15	:	:	PUNCT
easat-10344	216	16	figure	figure	NOUN
easat-10344	216	17	7	7	NUM
easat-10344	216	18	.	.	PUNCT
easat-10344	217	1	confusion	confusion	NOUN
easat-10344	217	2	matrices	matrix	NOUN
easat-10344	217	3	4.9	4.9	NUM
easat-10344	217	4	.	.	PUNCT
easat-10344	218	1	overfitting	overfitte	VERB
easat-10344	218	2	analysis	analysis	NOUN
easat-10344	218	3	to	to	PART
easat-10344	218	4	assess	assess	VERB
easat-10344	218	5	potential	potential	ADJ
easat-10344	218	6	overfitting	overfitting	NOUN
easat-10344	218	7	,	,	PUNCT
easat-10344	218	8	several	several	ADJ
easat-10344	218	9	monitoring	monitoring	NOUN
easat-10344	218	10	strategies	strategy	NOUN
easat-10344	218	11	were	be	AUX
easat-10344	218	12	employed	employ	VERB
easat-10344	218	13	throughout	throughout	ADP
easat-10344	218	14	model	model	NOUN
easat-10344	218	15	training	training	NOUN
easat-10344	218	16	.	.	PUNCT
easat-10344	219	1	these	these	PRON
easat-10344	219	2	included	include	VERB
easat-10344	219	3	tracking	track	VERB
easat-10344	219	4	the	the	DET
easat-10344	219	5	training	training	NOUN
easat-10344	219	6	versus	versus	ADP
easat-10344	219	7	validation	validation	NOUN
easat-10344	219	8	loss	loss	NOUN
easat-10344	219	9	curves	curve	NOUN
easat-10344	219	10	(	(	PUNCT
easat-10344	219	11	figure	figure	NOUN
easat-10344	219	12	8)	8)	NUM
easat-10344	219	13	,	,	PUNCT
easat-10344	219	14	evaluating	evaluate	VERB
easat-10344	219	15	performance	performance	NOUN
easat-10344	219	16	metrics	metric	NOUN
easat-10344	219	17	on	on	ADP
easat-10344	219	18	unseen	unseen	ADJ
easat-10344	219	19	test	test	NOUN
easat-10344	219	20	data	datum	NOUN
easat-10344	219	21	,	,	PUNCT
easat-10344	219	22	and	and	CCONJ
easat-10344	219	23	applying	apply	VERB
easat-10344	219	24	early	early	ADJ
easat-10344	219	25	stopping	stopping	NOUN
easat-10344	219	26	criteria	criterion	NOUN
easat-10344	219	27	.	.	PUNCT
easat-10344	220	1	the	the	DET
easat-10344	220	2	bayesian	bayesian	ADJ
easat-10344	220	3	neural	neural	ADJ
easat-10344	220	4	network	network	NOUN
easat-10344	220	5	(	(	PUNCT
easat-10344	220	6	bnn	bnn	PROPN
easat-10344	220	7	)	)	PUNCT
easat-10344	220	8	demonstrated	demonstrate	VERB
easat-10344	220	9	stable	stable	ADJ
easat-10344	220	10	learning	learning	NOUN
easat-10344	220	11	behavior	behavior	NOUN
easat-10344	220	12	,	,	PUNCT
easat-10344	220	13	with	with	ADP
easat-10344	220	14	validation	validation	NOUN
easat-10344	220	15	loss	loss	NOUN
easat-10344	220	16	closely	closely	ADV
easat-10344	220	17	following	follow	VERB
easat-10344	220	18	training	train	VERB
easat-10344	220	19	loss	loss	NOUN
easat-10344	220	20	across	across	ADP
easat-10344	220	21	500	500	NUM
easat-10344	220	22	epochs	epoch	NOUN
easat-10344	220	23	,	,	PUNCT
easat-10344	220	24	indicating	indicate	VERB
easat-10344	220	25	no	no	DET
easat-10344	220	26	signs	sign	NOUN
easat-10344	220	27	of	of	ADP
easat-10344	220	28	overfitting	overfitte	VERB
easat-10344	220	29	.	.	PUNCT
easat-10344	221	1	in	in	ADP
easat-10344	221	2	comparison	comparison	NOUN
easat-10344	221	3	,	,	PUNCT
easat-10344	221	4	the	the	DET
easat-10344	221	5	naive	naive	ADJ
easat-10344	221	6	bayes	bayes	NOUN
easat-10344	221	7	classifier	classifier	NOUN
easat-10344	221	8	,	,	PUNCT
easat-10344	221	9	while	while	SCONJ
easat-10344	221	10	inherently	inherently	ADV
easat-10344	221	11	simpler	simple	ADJ
easat-10344	221	12	and	and	CCONJ
easat-10344	221	13	more	more	ADV
easat-10344	221	14	resistant	resistant	ADJ
easat-10344	221	15	to	to	ADP
easat-10344	221	16	overfitting	overfitte	VERB
easat-10344	221	17	,	,	PUNCT
easat-10344	221	18	showed	show	VERB
easat-10344	221	19	slightly	slightly	ADV
easat-10344	221	20	lower	low	ADJ
easat-10344	221	21	performance	performance	NOUN
easat-10344	221	22	in	in	ADP
easat-10344	221	23	predicting	predict	VERB
easat-10344	221	24	minority	minority	NOUN
easat-10344	221	25	class	class	NOUN
easat-10344	221	26	instances	instance	NOUN
easat-10344	221	27	(	(	PUNCT
easat-10344	221	28	i.e.	i.e.	X
easat-10344	221	29	,	,	PUNCT
easat-10344	221	30	default	default	NOUN
easat-10344	221	31	cases	case	NOUN
easat-10344	221	32	)	)	PUNCT
easat-10344	221	33	,	,	PUNCT
easat-10344	221	34	highlighting	highlight	VERB
easat-10344	221	35	the	the	DET
easat-10344	221	36	trade	trade	NOUN
easat-10344	221	37	-	-	PUNCT
easat-10344	221	38	off	off	NOUN
easat-10344	221	39	between	between	ADP
easat-10344	221	40	model	model	NOUN
easat-10344	221	41	complexity	complexity	NOUN
easat-10344	221	42	and	and	CCONJ
easat-10344	221	43	sensitivity	sensitivity	NOUN
easat-10344	221	44	.	.	PUNCT
easat-10344	222	1	the	the	DET
easat-10344	222	2	roc	roc	PROPN
easat-10344	222	3	curves	curve	NOUN
easat-10344	222	4	in	in	ADP
easat-10344	222	5	figure	figure	NOUN
easat-10344	222	6	8	8	NUM
easat-10344	222	7	demonstrate	demonstrate	VERB
easat-10344	222	8	the	the	DET
easat-10344	222	9	models	model	NOUN
easat-10344	222	10	'	'	PART
easat-10344	222	11	discrimination	discrimination	NOUN
easat-10344	222	12	ability	ability	NOUN
easat-10344	222	13	,	,	PUNCT
easat-10344	222	14	with	with	ADP
easat-10344	222	15	the	the	DET
easat-10344	222	16	bnn	bnn	PROPN
easat-10344	222	17	achieving	achieve	VERB
easat-10344	222	18	superior	superior	ADJ
easat-10344	222	19	area	area	NOUN
easat-10344	222	20	under	under	ADP
easat-10344	222	21	the	the	DET
easat-10344	222	22	curve	curve	NOUN
easat-10344	222	23	(	(	PUNCT
easat-10344	222	24	auc	auc	NOUN
easat-10344	222	25	)	)	PUNCT
easat-10344	222	26	metrics	metric	NOUN
easat-10344	222	27	.	.	PUNCT
easat-10344	223	1	96	96	NUM
easat-10344	223	2	edelweiss	edelweiss	PROPN
easat-10344	223	3	applied	apply	VERB
easat-10344	223	4	science	science	NOUN
easat-10344	223	5	and	and	CCONJ
easat-10344	223	6	technology	technology	NOUN
easat-10344	223	7	issn	issn	PROPN
easat-10344	223	8	:	:	PUNCT
easat-10344	223	9	2576	2576	NUM
easat-10344	223	10	-	-	SYM
easat-10344	223	11	8484	8484	NUM
easat-10344	223	12	vol	vol	NOUN
easat-10344	223	13	.	.	PROPN
easat-10344	224	1	9	9	NUM
easat-10344	224	2	,	,	PUNCT
easat-10344	224	3	no	no	INTJ
easat-10344	224	4	.	.	NOUN
easat-10344	224	5	10	10	NUM
easat-10344	224	6	:	:	PUNCT
easat-10344	224	7	83	83	NUM
easat-10344	224	8	-	-	SYM
easat-10344	224	9	103	103	NUM
easat-10344	224	10	,	,	PUNCT
easat-10344	224	11	2025	2025	NUM
easat-10344	224	12	doi	doi	NOUN
easat-10344	224	13	:	:	PUNCT
easat-10344	224	14	10.55214/2576	10.55214/2576	NUM
easat-10344	224	15	-	-	PUNCT
easat-10344	224	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	224	17	©	©	PROPN
easat-10344	224	18	2025	2025	NUM
easat-10344	224	19	by	by	ADP
easat-10344	224	20	the	the	DET
easat-10344	224	21	authors	author	NOUN
easat-10344	224	22	;	;	PUNCT
easat-10344	224	23	licensee	licensee	PROPN
easat-10344	224	24	learning	learn	VERB
easat-10344	224	25	gate	gate	PROPN
easat-10344	224	26	figure	figure	NOUN
easat-10344	224	27	8	8	NUM
easat-10344	224	28	.	.	PUNCT
easat-10344	225	1	receiver	receiver	ADJ
easat-10344	225	2	operating	operate	VERB
easat-10344	225	3	characteristic	characteristic	ADJ
easat-10344	225	4	curves	curve	NOUN
easat-10344	225	5	,	,	PUNCT
easat-10344	225	6	bnn	bnn	X
easat-10344	225	7	vs	vs	ADP
easat-10344	225	8	naive	naive	ADJ
easat-10344	225	9	bayes	bayes	NOUN
easat-10344	225	10	.	.	PUNCT
easat-10344	226	1	4.10	4.10	NUM
easat-10344	226	2	.	.	PUNCT
easat-10344	227	1	financial	financial	ADJ
easat-10344	227	2	ratio	ratio	NOUN
easat-10344	227	3	feature	feature	NOUN
easat-10344	227	4	importance	importance	NOUN
easat-10344	227	5	feature	feature	NOUN
easat-10344	227	6	importance	importance	NOUN
easat-10344	227	7	analysis	analysis	NOUN
easat-10344	227	8	9	9	NUM
easat-10344	227	9	reveals	reveal	VERB
easat-10344	227	10	that	that	SCONJ
easat-10344	227	11	financial	financial	ADJ
easat-10344	227	12	ratios	ratio	NOUN
easat-10344	227	13	significantly	significantly	ADV
easat-10344	227	14	impact	impact	VERB
easat-10344	227	15	model	model	NOUN
easat-10344	227	16	performance	performance	NOUN
easat-10344	227	17	:	:	PUNCT
easat-10344	227	18	figure	figure	NOUN
easat-10344	227	19	9	9	NUM
easat-10344	227	20	.	.	PUNCT
easat-10344	228	1	feature	feature	NOUN
easat-10344	228	2	importance	importance	NOUN
easat-10344	228	3	scores	score	NOUN
easat-10344	228	4	from	from	ADP
easat-10344	228	5	the	the	DET
easat-10344	228	6	naive	naive	ADJ
easat-10344	228	7	bayes	bayes	NOUN
easat-10344	228	8	model	model	NOUN
easat-10344	228	9	showing	show	VERB
easat-10344	228	10	t	t	PROPN
easat-10344	228	11	h	h	NOUN
easat-10344	228	12	e	e	NOUN
easat-10344	228	13	top	top	ADJ
easat-10344	228	14	predictive	predictive	ADJ
easat-10344	228	15	features	feature	NOUN
easat-10344	228	16	.	.	PUNCT
easat-10344	229	1	97	97	NUM
easat-10344	229	2	edelweiss	edelweiss	PROPN
easat-10344	229	3	applied	apply	VERB
easat-10344	229	4	science	science	NOUN
easat-10344	229	5	and	and	CCONJ
easat-10344	229	6	technology	technology	NOUN
easat-10344	229	7	issn	issn	PROPN
easat-10344	229	8	:	:	PUNCT
easat-10344	229	9	2576	2576	NUM
easat-10344	229	10	-	-	SYM
easat-10344	229	11	8484	8484	NUM
easat-10344	229	12	vol	vol	NOUN
easat-10344	229	13	.	.	PROPN
easat-10344	230	1	9	9	NUM
easat-10344	230	2	,	,	PUNCT
easat-10344	230	3	no	no	INTJ
easat-10344	230	4	.	.	NOUN
easat-10344	230	5	10	10	NUM
easat-10344	230	6	:	:	PUNCT
easat-10344	230	7	83	83	NUM
easat-10344	230	8	-	-	SYM
easat-10344	230	9	103	103	NUM
easat-10344	230	10	,	,	PUNCT
easat-10344	230	11	2025	2025	NUM
easat-10344	230	12	doi	doi	NOUN
easat-10344	230	13	:	:	PUNCT
easat-10344	230	14	10.55214/2576	10.55214/2576	NUM
easat-10344	230	15	-	-	PUNCT
easat-10344	230	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	230	17	©	©	PROPN
easat-10344	230	18	2025	2025	NUM
easat-10344	230	19	by	by	ADP
easat-10344	230	20	the	the	DET
easat-10344	230	21	authors	author	NOUN
easat-10344	230	22	;	;	PUNCT
easat-10344	230	23	licensee	licensee	PROPN
easat-10344	230	24	learning	learning	NOUN
easat-10344	230	25	gate	gate	NOUN
easat-10344	230	26	as	as	SCONJ
easat-10344	230	27	illustrated	illustrate	VERB
easat-10344	230	28	in	in	ADP
easat-10344	230	29	listing	list	VERB
easat-10344	230	30	3	3	NUM
easat-10344	230	31	,	,	PUNCT
easat-10344	230	32	the	the	DET
easat-10344	230	33	predictive	predictive	ADJ
easat-10344	230	34	models	model	NOUN
easat-10344	230	35	in	in	ADP
easat-10344	230	36	this	this	DET
easat-10344	230	37	study	study	NOUN
easat-10344	230	38	were	be	AUX
easat-10344	230	39	enhanced	enhance	VERB
easat-10344	230	40	by	by	ADP
easat-10344	230	41	incorporating	incorporate	VERB
easat-10344	230	42	a	a	DET
easat-10344	230	43	set	set	NOUN
easat-10344	230	44	of	of	ADP
easat-10344	230	45	key	key	ADJ
easat-10344	230	46	financial	financial	ADJ
easat-10344	230	47	ratios	ratio	NOUN
easat-10344	230	48	that	that	PRON
easat-10344	230	49	provide	provide	VERB
easat-10344	230	50	deeper	deep	ADJ
easat-10344	230	51	insights	insight	NOUN
easat-10344	230	52	into	into	ADP
easat-10344	230	53	client	client	NOUN
easat-10344	230	54	financial	financial	ADJ
easat-10344	230	55	health	health	NOUN
easat-10344	230	56	.	.	PUNCT
easat-10344	231	1	these	these	PRON
easat-10344	231	2	include	include	VERB
easat-10344	231	3	liquidity	liquidity	NOUN
easat-10344	231	4	ratios	ratio	NOUN
easat-10344	231	5	such	such	ADJ
easat-10344	231	6	as	as	ADP
easat-10344	231	7	the	the	DET
easat-10344	231	8	current	current	ADJ
easat-10344	231	9	ratio	ratio	NOUN
easat-10344	231	10	and	and	CCONJ
easat-10344	231	11	quick	quick	ADJ
easat-10344	231	12	ratio	ratio	NOUN
easat-10344	231	13	,	,	PUNCT
easat-10344	231	14	which	which	PRON
easat-10344	231	15	assess	assess	VERB
easat-10344	231	16	short	short	ADJ
easat-10344	231	17	-	-	PUNCT
easat-10344	231	18	term	term	NOUN
easat-10344	231	19	financial	financial	ADJ
easat-10344	231	20	stability	stability	NOUN
easat-10344	231	21	.	.	PUNCT
easat-10344	232	1	leverage	leverage	NOUN
easat-10344	232	2	ratios	ratio	NOUN
easat-10344	232	3	,	,	PUNCT
easat-10344	232	4	including	include	VERB
easat-10344	232	5	debt	debt	NOUN
easat-10344	232	6	-	-	PUNCT
easat-10344	232	7	to	to	ADP
easat-10344	232	8	-	-	PUNCT
easat-10344	232	9	equity	equity	NOUN
easat-10344	232	10	and	and	CCONJ
easat-10344	232	11	interest	interest	NOUN
easat-10344	232	12	coverage	coverage	NOUN
easat-10344	232	13	,	,	PUNCT
easat-10344	232	14	evaluate	evaluate	VERB
easat-10344	232	15	the	the	DET
easat-10344	232	16	firm	firm	NOUN
easat-10344	232	17	’s	’s	PART
easat-10344	232	18	capital	capital	NOUN
easat-10344	232	19	structure	structure	NOUN
easat-10344	232	20	and	and	CCONJ
easat-10344	232	21	ability	ability	NOUN
easat-10344	232	22	to	to	PART
easat-10344	232	23	service	service	VERB
easat-10344	232	24	debt	debt	NOUN
easat-10344	232	25	.	.	PUNCT
easat-10344	233	1	profitability	profitability	NOUN
easat-10344	233	2	ratios	ratio	NOUN
easat-10344	233	3	,	,	PUNCT
easat-10344	233	4	like	like	ADP
easat-10344	233	5	return	return	NOUN
easat-10344	233	6	on	on	ADP
easat-10344	233	7	equity	equity	NOUN
easat-10344	233	8	(	(	PUNCT
easat-10344	233	9	roe	roe	PROPN
easat-10344	233	10	)	)	PUNCT
easat-10344	233	11	,	,	PUNCT
easat-10344	233	12	measure	measure	VERB
easat-10344	233	13	the	the	DET
easat-10344	233	14	efficiency	efficiency	NOUN
easat-10344	233	15	of	of	ADP
easat-10344	233	16	generating	generate	VERB
easat-10344	233	17	profits	profit	NOUN
easat-10344	233	18	from	from	ADP
easat-10344	233	19	shareholder	shareholder	NOUN
easat-10344	233	20	investments	investment	NOUN
easat-10344	233	21	.	.	PUNCT
easat-10344	234	1	activity	activity	NOUN
easat-10344	234	2	ratios	ratio	NOUN
easat-10344	234	3	,	,	PUNCT
easat-10344	234	4	such	such	ADJ
easat-10344	234	5	as	as	ADP
easat-10344	234	6	fixed	fix	VERB
easat-10344	234	7	asset	asset	NOUN
easat-10344	234	8	turnover	turnover	NOUN
easat-10344	234	9	,	,	PUNCT
easat-10344	234	10	reflect	reflect	VERB
easat-10344	234	11	operational	operational	ADJ
easat-10344	234	12	effectiveness	effectiveness	NOUN
easat-10344	234	13	in	in	ADP
easat-10344	234	14	utilizing	utilize	VERB
easat-10344	234	15	assets	asset	NOUN
easat-10344	234	16	.	.	PUNCT
easat-10344	235	1	finally	finally	ADV
easat-10344	235	2	,	,	PUNCT
easat-10344	235	3	coverage	coverage	NOUN
easat-10344	235	4	ratios	ratio	NOUN
easat-10344	235	5	,	,	PUNCT
easat-10344	235	6	including	include	VERB
easat-10344	235	7	the	the	DET
easat-10344	235	8	financial	financial	ADJ
easat-10344	235	9	expenses	expense	NOUN
easat-10344	235	10	ratio	ratio	NOUN
easat-10344	235	11	,	,	PUNCT
easat-10344	235	12	help	help	AUX
easat-10344	235	13	determine	determine	VERB
easat-10344	235	14	the	the	DET
easat-10344	235	15	proportion	proportion	NOUN
easat-10344	235	16	of	of	ADP
easat-10344	235	17	revenue	revenue	NOUN
easat-10344	235	18	consumed	consume	VERB
easat-10344	235	19	by	by	ADP
easat-10344	235	20	financial	financial	ADJ
easat-10344	235	21	obligations	obligation	NOUN
easat-10344	235	22	.	.	PUNCT
easat-10344	236	1	together	together	ADV
easat-10344	236	2	,	,	PUNCT
easat-10344	236	3	these	these	DET
easat-10344	236	4	indicators	indicator	NOUN
easat-10344	236	5	significantly	significantly	ADV
easat-10344	236	6	improve	improve	VERB
easat-10344	236	7	the	the	DET
easat-10344	236	8	model	model	NOUN
easat-10344	236	9	’s	’s	PART
easat-10344	236	10	ability	ability	NOUN
easat-10344	236	11	to	to	PART
easat-10344	236	12	differentiate	differentiate	VERB
easat-10344	236	13	risk	risk	NOUN
easat-10344	236	14	levels	level	NOUN
easat-10344	236	15	and	and	CCONJ
easat-10344	236	16	support	support	VERB
easat-10344	236	17	more	more	ADV
easat-10344	236	18	accurate	accurate	ADJ
easat-10344	236	19	credit	credit	NOUN
easat-10344	236	20	assessments	assessment	NOUN
easat-10344	236	21	.	.	PUNCT
easat-10344	237	1	listing	list	VERB
easat-10344	237	2	3	3	NUM
easat-10344	237	3	:	:	PUNCT
easat-10344	237	4	financial	financial	ADJ
easat-10344	237	5	ratio	ratio	NOUN
easat-10344	237	6	calculation	calculation	NOUN
easat-10344	237	7	4.11	4.11	NUM
easat-10344	237	8	.	.	PUNCT
easat-10344	237	9	streamlit	streamlit	NOUN
easat-10344	237	10	web	web	NOUN
easat-10344	237	11	application	application	NOUN
easat-10344	237	12	and	and	CCONJ
easat-10344	237	13	interface	interface	NOUN
easat-10344	237	14	to	to	PART
easat-10344	237	15	enhance	enhance	VERB
easat-10344	237	16	accessibility	accessibility	NOUN
easat-10344	237	17	and	and	CCONJ
easat-10344	237	18	usability	usability	NOUN
easat-10344	237	19	of	of	ADP
easat-10344	237	20	credit	credit	NOUN
easat-10344	237	21	risk	risk	NOUN
easat-10344	237	22	prediction	prediction	NOUN
easat-10344	237	23	models	model	NOUN
easat-10344	237	24	,	,	PUNCT
easat-10344	237	25	an	an	DET
easat-10344	237	26	interactive	interactive	ADJ
easat-10344	237	27	web	web	NOUN
easat-10344	237	28	application	application	NOUN
easat-10344	237	29	was	be	AUX
easat-10344	237	30	developed	develop	VERB
easat-10344	237	31	using	use	VERB
easat-10344	237	32	streamlit	streamlit	NOUN
easat-10344	237	33	.	.	PUNCT
easat-10344	238	1	this	this	DET
easat-10344	238	2	dashboard	dashboard	NOUN
easat-10344	238	3	enables	enable	VERB
easat-10344	238	4	users	user	NOUN
easat-10344	238	5	to	to	PART
easat-10344	238	6	input	input	VERB
easat-10344	238	7	personal	personal	ADJ
easat-10344	238	8	and	and	CCONJ
easat-10344	238	9	financial	financial	ADJ
easat-10344	238	10	data	datum	NOUN
easat-10344	238	11	,	,	PUNCT
easat-10344	238	12	select	select	ADJ
easat-10344	238	13	between	between	ADP
easat-10344	238	14	a	a	DET
easat-10344	238	15	naive	naive	ADJ
easat-10344	238	16	bayes	bayes	NOUN
easat-10344	238	17	classifier	classifier	NOUN
easat-10344	238	18	or	or	CCONJ
easat-10344	238	19	a	a	DET
easat-10344	238	20	bayesian	bayesian	NOUN
easat-10344	238	21	neural	neural	ADJ
easat-10344	238	22	network	network	NOUN
easat-10344	238	23	(	(	PUNCT
easat-10344	238	24	bnn	bnn	PROPN
easat-10344	238	25	)	)	PUNCT
easat-10344	238	26	,	,	PUNCT
easat-10344	238	27	and	and	CCONJ
easat-10344	238	28	instantly	instantly	ADV
easat-10344	238	29	receive	receive	VERB
easat-10344	238	30	a	a	DET
easat-10344	238	31	default	default	NOUN
easat-10344	238	32	risk	risk	NOUN
easat-10344	238	33	prediction	prediction	NOUN
easat-10344	238	34	.	.	PUNCT
easat-10344	239	1	the	the	DET
easat-10344	239	2	app	app	PROPN
easat-10344	239	3	’s	’s	PART
easat-10344	239	4	core	core	NOUN
easat-10344	239	5	objectives	objective	NOUN
easat-10344	239	6	include	include	VERB
easat-10344	239	7	collecting	collect	VERB
easat-10344	239	8	user	user	NOUN
easat-10344	239	9	data	datum	NOUN
easat-10344	239	10	through	through	ADP
easat-10344	239	11	an	an	DET
easat-10344	239	12	intuitive	intuitive	ADJ
easat-10344	239	13	interface	interface	NOUN
easat-10344	239	14	,	,	PUNCT
easat-10344	239	15	automatically	automatically	ADV
easat-10344	239	16	calculating	calculate	VERB
easat-10344	239	17	key	key	ADJ
easat-10344	239	18	financial	financial	ADJ
easat-10344	239	19	ratios	ratio	NOUN
easat-10344	239	20	,	,	PUNCT
easat-10344	239	21	allowing	allow	VERB
easat-10344	239	22	model	model	NOUN
easat-10344	239	23	selection	selection	NOUN
easat-10344	239	24	,	,	PUNCT
easat-10344	239	25	and	and	CCONJ
easat-10344	239	26	presenting	present	VERB
easat-10344	239	27	both	both	CCONJ
easat-10344	239	28	visual	visual	ADJ
easat-10344	239	29	and	and	CCONJ
easat-10344	239	30	textual	textual	ADJ
easat-10344	239	31	summaries	summary	NOUN
easat-10344	239	32	of	of	ADP
easat-10344	239	33	the	the	DET
easat-10344	239	34	prediction	prediction	NOUN
easat-10344	239	35	.	.	PUNCT
easat-10344	240	1	the	the	DET
easat-10344	240	2	user	user	NOUN
easat-10344	240	3	interface	interface	NOUN
easat-10344	240	4	is	be	AUX
easat-10344	240	5	structured	structure	VERB
easat-10344	240	6	with	with	ADP
easat-10344	240	7	a	a	DET
easat-10344	240	8	sidebar	sidebar	NOUN
easat-10344	240	9	for	for	ADP
easat-10344	240	10	model	model	NOUN
easat-10344	240	11	selection	selection	NOUN
easat-10344	240	12	and	and	CCONJ
easat-10344	240	13	ratio	ratio	NOUN
easat-10344	240	14	overview	overview	NOUN
easat-10344	240	15	,	,	PUNCT
easat-10344	240	16	a	a	DET
easat-10344	240	17	main	main	ADJ
easat-10344	240	18	panel	panel	NOUN
easat-10344	240	19	for	for	ADP
easat-10344	240	20	entering	enter	VERB
easat-10344	240	21	personal	personal	ADJ
easat-10344	240	22	and	and	CCONJ
easat-10344	240	23	financial	financial	ADJ
easat-10344	240	24	details	detail	NOUN
easat-10344	240	25	,	,	PUNCT
easat-10344	240	26	and	and	CCONJ
easat-10344	240	27	a	a	DET
easat-10344	240	28	results	result	NOUN
easat-10344	240	29	section	section	NOUN
easat-10344	240	30	displaying	display	VERB
easat-10344	240	31	the	the	DET
easat-10344	240	32	predicted	predict	VERB
easat-10344	240	33	default	default	NOUN
easat-10344	240	34	probability	probability	NOUN
easat-10344	240	35	,	,	PUNCT
easat-10344	240	36	recommended	recommend	VERB
easat-10344	240	37	financial	financial	ADJ
easat-10344	240	38	action	action	NOUN
easat-10344	240	39	,	,	PUNCT
easat-10344	240	40	and	and	CCONJ
easat-10344	240	41	the	the	DET
easat-10344	240	42	model	model	NOUN
easat-10344	240	43	used	use	VERB
easat-10344	240	44	.	.	PUNCT
easat-10344	241	1	financial	financial	ADJ
easat-10344	241	2	ratios	ratio	NOUN
easat-10344	241	3	such	such	ADJ
easat-10344	241	4	as	as	ADP
easat-10344	241	5	current	current	ADJ
easat-10344	241	6	ratio	ratio	NOUN
easat-10344	241	7	,	,	PUNCT
easat-10344	241	8	quick	quick	ADJ
easat-10344	241	9	ratio	ratio	NOUN
easat-10344	241	10	,	,	PUNCT
easat-10344	241	11	debt	debt	NOUN
easat-10344	241	12	-	-	PUNCT
easat-10344	241	13	to	to	ADP
easat-10344	241	14	-	-	PUNCT
easat-10344	241	15	equity	equity	NOUN
easat-10344	241	16	,	,	PUNCT
easat-10344	241	17	interest	interest	NOUN
easat-10344	241	18	coverage	coverage	NOUN
easat-10344	241	19	,	,	PUNCT
easat-10344	241	20	and	and	CCONJ
easat-10344	241	21	roe	roe	NOUN
easat-10344	241	22	are	be	AUX
easat-10344	241	23	computed	compute	VERB
easat-10344	241	24	automatically	automatically	ADV
easat-10344	241	25	from	from	ADP
easat-10344	241	26	user	user	NOUN
easat-10344	241	27	inputs	input	NOUN
easat-10344	241	28	.	.	PUNCT
easat-10344	242	1	prediction	prediction	NOUN
easat-10344	242	2	results	result	NOUN
easat-10344	242	3	are	be	AUX
easat-10344	242	4	delivered	deliver	VERB
easat-10344	242	5	clearly	clearly	ADV
easat-10344	242	6	,	,	PUNCT
easat-10344	242	7	indicating	indicate	VERB
easat-10344	242	8	either	either	CCONJ
easat-10344	242	9	high	high	ADJ
easat-10344	242	10	or	or	CCONJ
easat-10344	242	11	low	low	ADJ
easat-10344	242	12	default	default	NOUN
easat-10344	242	13	risk	risk	NOUN
easat-10344	242	14	,	,	PUNCT
easat-10344	242	15	accompanied	accompany	VERB
easat-10344	242	16	by	by	ADP
easat-10344	242	17	a	a	DET
easat-10344	242	18	progress	progress	NOUN
easat-10344	242	19	bar	bar	NOUN
easat-10344	242	20	that	that	PRON
easat-10344	242	21	visualizes	visualize	VERB
easat-10344	242	22	the	the	DET
easat-10344	242	23	probability	probability	NOUN
easat-10344	242	24	score	score	NOUN
easat-10344	242	25	.	.	PUNCT
easat-10344	243	1	strategic	strategic	ADJ
easat-10344	243	2	recommendations	recommendation	NOUN
easat-10344	243	3	(	(	PUNCT
easat-10344	243	4	e.g.	e.g.	ADV
easat-10344	243	5	,	,	PUNCT
easat-10344	243	6	reject	reject	VERB
easat-10344	243	7	or	or	CCONJ
easat-10344	243	8	approve	approve	VERB
easat-10344	243	9	the	the	DET
easat-10344	243	10	loan	loan	NOUN
easat-10344	243	11	)	)	PUNCT
easat-10344	243	12	as	as	SCONJ
easat-10344	243	13	illustrated	illustrate	VERB
easat-10344	243	14	in	in	ADP
easat-10344	243	15	figure	figure	NOUN
easat-10344	243	16	10	10	NUM
easat-10344	243	17	:	:	PUNCT
easat-10344	243	18	key	key	ADJ
easat-10344	243	19	influencing	influence	VERB
easat-10344	243	20	factors	factor	NOUN
easat-10344	243	21	(	(	PUNCT
easat-10344	243	22	naive	naive	ADJ
easat-10344	243	23	bayes	bayes	NOUN
easat-10344	243	24	only	only	ADV
easat-10344	243	25	)	)	PUNCT
easat-10344	243	26	.	.	PUNCT
easat-10344	244	1	98	98	NUM
easat-10344	244	2	edelweiss	edelweiss	PROPN
easat-10344	244	3	applied	apply	VERB
easat-10344	244	4	science	science	NOUN
easat-10344	244	5	and	and	CCONJ
easat-10344	244	6	technology	technology	NOUN
easat-10344	244	7	issn	issn	PROPN
easat-10344	244	8	:	:	PUNCT
easat-10344	244	9	2576	2576	NUM
easat-10344	244	10	-	-	SYM
easat-10344	244	11	8484	8484	NUM
easat-10344	244	12	vol	vol	NOUN
easat-10344	244	13	.	.	PROPN
easat-10344	245	1	9	9	NUM
easat-10344	245	2	,	,	PUNCT
easat-10344	245	3	no	no	INTJ
easat-10344	245	4	.	.	NOUN
easat-10344	245	5	10	10	NUM
easat-10344	245	6	:	:	PUNCT
easat-10344	245	7	83	83	NUM
easat-10344	245	8	-	-	SYM
easat-10344	245	9	103	103	NUM
easat-10344	245	10	,	,	PUNCT
easat-10344	245	11	2025	2025	NUM
easat-10344	245	12	doi	doi	NOUN
easat-10344	245	13	:	:	PUNCT
easat-10344	245	14	10.55214/2576	10.55214/2576	NUM
easat-10344	245	15	-	-	PUNCT
easat-10344	245	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	245	17	©	©	PROPN
easat-10344	245	18	2025	2025	NUM
easat-10344	245	19	by	by	ADP
easat-10344	245	20	the	the	DET
easat-10344	245	21	authors	author	NOUN
easat-10344	245	22	;	;	PUNCT
easat-10344	246	1	licensee	licensee	PROPN
easat-10344	246	2	learning	learn	VERB
easat-10344	246	3	gate	gate	PROPN
easat-10344	246	4	figure	figure	NOUN
easat-10344	246	5	10	10	NUM
easat-10344	246	6	.	.	PUNCT
easat-10344	247	1	home	home	NOUN
easat-10344	247	2	view	view	NOUN
easat-10344	247	3	of	of	ADP
easat-10344	247	4	the	the	DET
easat-10344	247	5	dashboard	dashboard	NOUN
easat-10344	247	6	showing	show	VERB
easat-10344	247	7	input	input	NOUN
easat-10344	247	8	fields	field	NOUN
easat-10344	247	9	and	and	CCONJ
easat-10344	247	10	model	model	NOUN
easat-10344	247	11	selection	selection	NOUN
easat-10344	247	12	figure	figure	NOUN
easat-10344	247	13	11	11	NUM
easat-10344	247	14	.	.	PUNCT
easat-10344	248	1	prediction	prediction	NOUN
easat-10344	248	2	results	result	NOUN
easat-10344	248	3	interface	interface	NOUN
easat-10344	248	4	with	with	ADP
easat-10344	248	5	model	model	NOUN
easat-10344	248	6	selection	selection	NOUN
easat-10344	248	7	and	and	CCONJ
easat-10344	248	8	probability	probability	NOUN
easat-10344	248	9	gauge	gauge	NOUN
easat-10344	248	10	.	.	PUNCT
easat-10344	249	1	as	as	SCONJ
easat-10344	249	2	illustrated	illustrate	VERB
easat-10344	249	3	in	in	ADP
easat-10344	249	4	figure	figure	NOUN
easat-10344	249	5	11	11	NUM
easat-10344	249	6	,	,	PUNCT
easat-10344	249	7	financial	financial	ADJ
easat-10344	249	8	ratios	ratio	NOUN
easat-10344	249	9	contribute	contribute	VERB
easat-10344	249	10	significantly	significantly	ADV
easat-10344	249	11	to	to	ADP
easat-10344	249	12	predictive	predictive	ADJ
easat-10344	249	13	power	power	NOUN
easat-10344	249	14	.	.	PUNCT
easat-10344	250	1	the	the	DET
easat-10344	250	2	pytorch	pytorch	NOUN
easat-10344	250	3	implementation	implementation	NOUN
easat-10344	250	4	demonstrates	demonstrate	VERB
easat-10344	250	5	bnns	bnns	ADJ
easat-10344	250	6	’	'	PUNCT
easat-10344	250	7	feasibility	feasibility	NOUN
easat-10344	250	8	for	for	ADP
easat-10344	250	9	credit	credit	NOUN
easat-10344	250	10	risk	risk	NOUN
easat-10344	250	11	.	.	PUNCT
easat-10344	251	1	the	the	DET
easat-10344	251	2	streamlit	streamlit	NOUN
easat-10344	251	3	application	application	NOUN
easat-10344	251	4	provides	provide	VERB
easat-10344	251	5	an	an	DET
easat-10344	251	6	effective	effective	ADJ
easat-10344	251	7	interface	interface	NOUN
easat-10344	251	8	for	for	ADP
easat-10344	251	9	real	real	ADJ
easat-10344	251	10	-	-	PUNCT
easat-10344	251	11	world	world	NOUN
easat-10344	251	12	deployment	deployment	NOUN
easat-10344	251	13	.	.	PUNCT
easat-10344	252	1	the	the	DET
easat-10344	252	2	comparative	comparative	ADJ
easat-10344	252	3	analysis	analysis	NOUN
easat-10344	252	4	between	between	ADP
easat-10344	252	5	bayesian	bayesian	NOUN
easat-10344	252	6	neural	neural	ADJ
easat-10344	252	7	networks	network	NOUN
easat-10344	252	8	(	(	PUNCT
easat-10344	252	9	bnns	bnns	ADJ
easat-10344	252	10	)	)	PUNCT
easat-10344	252	11	and	and	CCONJ
easat-10344	252	12	naive	naive	ADJ
easat-10344	252	13	bayes	bayes	NOUN
easat-10344	252	14	models	model	NOUN
easat-10344	252	15	highlights	highlight	VERB
easat-10344	252	16	distinct	distinct	ADJ
easat-10344	252	17	strengths	strength	NOUN
easat-10344	252	18	aligned	align	VERB
easat-10344	252	19	with	with	ADP
easat-10344	252	20	different	different	ADJ
easat-10344	252	21	operational	operational	ADJ
easat-10344	252	22	needs	need	NOUN
easat-10344	252	23	.	.	PUNCT
easat-10344	253	1	bnns	bnns	PROPN
easat-10344	253	2	demonstrated	demonstrate	VERB
easat-10344	253	3	superior	superior	ADJ
easat-10344	253	4	recall	recall	NOUN
easat-10344	253	5	on	on	ADP
easat-10344	253	6	default	default	NOUN
easat-10344	253	7	cases	case	NOUN
easat-10344	253	8	(	(	PUNCT
easat-10344	253	9	0.65	0.65	NUM
easat-10344	253	10	vs	vs	ADP
easat-10344	253	11	0.64	0.64	NUM
easat-10344	253	12	)	)	PUNCT
easat-10344	253	13	,	,	PUNCT
easat-10344	253	14	making	make	VERB
easat-10344	253	15	them	they	PRON
easat-10344	253	16	99	99	NUM
easat-10344	253	17	edelweiss	edelweiss	PROPN
easat-10344	253	18	applied	apply	VERB
easat-10344	253	19	science	science	NOUN
easat-10344	253	20	and	and	CCONJ
easat-10344	253	21	technology	technology	NOUN
easat-10344	253	22	issn	issn	PROPN
easat-10344	253	23	:	:	PUNCT
easat-10344	253	24	2576	2576	NUM
easat-10344	253	25	-	-	SYM
easat-10344	253	26	8484	8484	NUM
easat-10344	253	27	vol	vol	NOUN
easat-10344	253	28	.	.	PROPN
easat-10344	254	1	9	9	NUM
easat-10344	254	2	,	,	PUNCT
easat-10344	254	3	no	no	INTJ
easat-10344	254	4	.	.	NOUN
easat-10344	254	5	10	10	NUM
easat-10344	254	6	:	:	PUNCT
easat-10344	254	7	83	83	NUM
easat-10344	254	8	-	-	SYM
easat-10344	254	9	103	103	NUM
easat-10344	254	10	,	,	PUNCT
easat-10344	254	11	2025	2025	NUM
easat-10344	254	12	doi	doi	NOUN
easat-10344	254	13	:	:	PUNCT
easat-10344	254	14	10.55214/2576	10.55214/2576	NUM
easat-10344	254	15	-	-	PUNCT
easat-10344	254	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	254	17	©	©	PROPN
easat-10344	254	18	2025	2025	NUM
easat-10344	254	19	by	by	ADP
easat-10344	254	20	the	the	DET
easat-10344	254	21	authors	author	NOUN
easat-10344	254	22	;	;	PUNCT
easat-10344	254	23	licensee	licensee	PROPN
easat-10344	254	24	learning	learning	NOUN
easat-10344	254	25	gate	gate	NOUN
easat-10344	254	26	particularly	particularly	ADV
easat-10344	254	27	suitable	suitable	ADJ
easat-10344	254	28	for	for	ADP
easat-10344	254	29	risk	risk	NOUN
easat-10344	254	30	-	-	PUNCT
easat-10344	254	31	averse	averse	ADJ
easat-10344	254	32	applications	application	NOUN
easat-10344	254	33	where	where	SCONJ
easat-10344	254	34	identifying	identify	VERB
easat-10344	254	35	potential	potential	ADJ
easat-10344	254	36	defaulters	defaulter	NOUN
easat-10344	254	37	is	be	AUX
easat-10344	254	38	critical	critical	ADJ
easat-10344	254	39	.	.	PUNCT
easat-10344	255	1	in	in	ADP
easat-10344	255	2	contrast	contrast	NOUN
easat-10344	255	3	,	,	PUNCT
easat-10344	255	4	the	the	DET
easat-10344	255	5	naive	naive	ADJ
easat-10344	255	6	bayes	bayes	NOUN
easat-10344	255	7	model	model	NOUN
easat-10344	255	8	,	,	PUNCT
easat-10344	255	9	with	with	ADP
easat-10344	255	10	its	its	PRON
easat-10344	255	11	faster	fast	ADJ
easat-10344	255	12	computation	computation	NOUN
easat-10344	255	13	,	,	PUNCT
easat-10344	255	14	proves	prove	VERB
easat-10344	255	15	advantageous	advantageous	ADJ
easat-10344	255	16	for	for	ADP
easat-10344	255	17	rapid	rapid	ADJ
easat-10344	255	18	screening	screening	NOUN
easat-10344	255	19	scenarios	scenario	NOUN
easat-10344	255	20	.	.	PUNCT
easat-10344	256	1	both	both	DET
easat-10344	256	2	models	model	NOUN
easat-10344	256	3	significantly	significantly	ADV
easat-10344	256	4	benefited	benefit	VERB
easat-10344	256	5	from	from	ADP
easat-10344	256	6	the	the	DET
easat-10344	256	7	inclusion	inclusion	NOUN
easat-10344	256	8	of	of	ADP
easat-10344	256	9	financial	financial	ADJ
easat-10344	256	10	ratio	ratio	NOUN
easat-10344	256	11	features	feature	NOUN
easat-10344	256	12	,	,	PUNCT
easat-10344	256	13	which	which	PRON
easat-10344	256	14	emerged	emerge	VERB
easat-10344	256	15	as	as	ADP
easat-10344	256	16	key	key	ADJ
easat-10344	256	17	predictors	predictor	NOUN
easat-10344	256	18	of	of	ADP
easat-10344	256	19	credit	credit	NOUN
easat-10344	256	20	risk	risk	NOUN
easat-10344	256	21	.	.	PUNCT
easat-10344	257	1	moreover	moreover	ADV
easat-10344	257	2	,	,	PUNCT
easat-10344	257	3	the	the	DET
easat-10344	257	4	deployment	deployment	NOUN
easat-10344	257	5	of	of	ADP
easat-10344	257	6	a	a	DET
easat-10344	257	7	web	web	NOUN
easat-10344	257	8	interface	interface	NOUN
easat-10344	257	9	effectively	effectively	ADV
easat-10344	257	10	bridged	bridge	VERB
easat-10344	257	11	the	the	DET
easat-10344	257	12	gap	gap	NOUN
easat-10344	257	13	between	between	ADP
easat-10344	257	14	theoretical	theoretical	ADJ
easat-10344	257	15	model	model	NOUN
easat-10344	257	16	implementation	implementation	NOUN
easat-10344	257	17	and	and	CCONJ
easat-10344	257	18	practical	practical	ADJ
easat-10344	257	19	usability	usability	NOUN
easat-10344	257	20	,	,	PUNCT
easat-10344	257	21	enhancing	enhance	VERB
easat-10344	257	22	accessibility	accessibility	NOUN
easat-10344	257	23	for	for	ADP
easat-10344	257	24	end	end	NOUN
easat-10344	257	25	-	-	PUNCT
easat-10344	257	26	users	user	NOUN
easat-10344	257	27	.	.	PUNCT
easat-10344	258	1	the	the	DET
easat-10344	258	2	evaluation	evaluation	NOUN
easat-10344	258	3	validated	validate	VERB
easat-10344	258	4	all	all	DET
easat-10344	258	5	four	four	NUM
easat-10344	258	6	hypotheses	hypothesis	NOUN
easat-10344	258	7	:	:	PUNCT
easat-10344	258	8	h1	h1	NOUN
easat-10344	258	9	:	:	PUNCT
easat-10344	258	10	naive	naive	ADJ
easat-10344	258	11	bayes	bayes	NOUN
easat-10344	258	12	delivers	deliver	VERB
easat-10344	258	13	reasonable	reasonable	ADJ
easat-10344	258	14	performance	performance	NOUN
easat-10344	258	15	,	,	PUNCT
easat-10344	258	16	achieving	achieve	VERB
easat-10344	258	17	80.18	80.18	NUM
easat-10344	258	18	%	%	NOUN
easat-10344	258	19	accuracy	accuracy	NOUN
easat-10344	258	20	despite	despite	SCONJ
easat-10344	258	21	its	its	PRON
easat-10344	258	22	simplifying	simplifying	NOUN
easat-10344	258	23	assumptions	assumption	NOUN
easat-10344	258	24	.	.	PUNCT
easat-10344	259	1	h2	h2	NOUN
easat-10344	259	2	:	:	PUNCT
easat-10344	259	3	bnns	bnn	NOUN
easat-10344	259	4	outperform	outperform	VERB
easat-10344	259	5	naive	naive	ADJ
easat-10344	259	6	bayes	bayes	NOUN
easat-10344	259	7	,	,	PUNCT
easat-10344	259	8	reaching	reach	VERB
easat-10344	259	9	90.19	90.19	NUM
easat-10344	259	10	%	%	NOUN
easat-10344	259	11	accuracy	accuracy	NOUN
easat-10344	259	12	and	and	CCONJ
easat-10344	259	13	offering	offer	VERB
easat-10344	259	14	richer	rich	ADJ
easat-10344	259	15	probabilistic	probabilistic	ADJ
easat-10344	259	16	insights	insight	NOUN
easat-10344	259	17	.	.	PUNCT
easat-10344	260	1	h3	h3	NOUN
easat-10344	260	2	:	:	PUNCT
easat-10344	260	3	financial	financial	ADJ
easat-10344	260	4	ratios	ratio	NOUN
easat-10344	260	5	enhance	enhance	VERB
easat-10344	260	6	model	model	NOUN
easat-10344	260	7	performance	performance	NOUN
easat-10344	260	8	,	,	PUNCT
easat-10344	260	9	proving	prove	VERB
easat-10344	260	10	essential	essential	ADJ
easat-10344	260	11	in	in	ADP
easat-10344	260	12	both	both	DET
easat-10344	260	13	approaches	approach	NOUN
easat-10344	260	14	.	.	PUNCT
easat-10344	261	1	h4	h4	NOUN
easat-10344	261	2	:	:	PUNCT
easat-10344	261	3	data	datum	NOUN
easat-10344	261	4	quality	quality	NOUN
easat-10344	261	5	directly	directly	ADV
easat-10344	261	6	influences	influence	VERB
easat-10344	261	7	outcomes	outcome	NOUN
easat-10344	261	8	,	,	PUNCT
easat-10344	261	9	with	with	ADP
easat-10344	261	10	preprocessing	preprocesse	VERB
easat-10344	261	11	steps	step	NOUN
easat-10344	261	12	like	like	ADP
easat-10344	261	13	handling	handle	VERB
easat-10344	261	14	missing	miss	VERB
easat-10344	261	15	values	value	NOUN
easat-10344	261	16	and	and	CCONJ
easat-10344	261	17	feature	feature	VERB
easat-10344	261	18	scaling	scale	VERB
easat-10344	261	19	playing	play	VERB
easat-10344	261	20	a	a	DET
easat-10344	261	21	pivotal	pivotal	ADJ
easat-10344	261	22	role	role	NOUN
easat-10344	261	23	.	.	PUNCT
easat-10344	262	1	together	together	ADV
easat-10344	262	2	,	,	PUNCT
easat-10344	262	3	these	these	DET
easat-10344	262	4	findings	finding	NOUN
easat-10344	262	5	underscore	underscore	VERB
easat-10344	262	6	the	the	DET
easat-10344	262	7	value	value	NOUN
easat-10344	262	8	of	of	ADP
easat-10344	262	9	bayesian	bayesian	NOUN
easat-10344	262	10	approaches	approach	NOUN
easat-10344	262	11	in	in	ADP
easat-10344	262	12	credit	credit	NOUN
easat-10344	262	13	risk	risk	NOUN
easat-10344	262	14	modeling	modeling	NOUN
easat-10344	262	15	,	,	PUNCT
easat-10344	262	16	balancing	balance	VERB
easat-10344	262	17	predictive	predictive	ADJ
easat-10344	262	18	power	power	NOUN
easat-10344	262	19	,	,	PUNCT
easat-10344	262	20	operational	operational	ADJ
easat-10344	262	21	efficiency	efficiency	NOUN
easat-10344	262	22	,	,	PUNCT
easat-10344	262	23	and	and	CCONJ
easat-10344	262	24	practical	practical	ADJ
easat-10344	262	25	deployment	deployment	NOUN
easat-10344	262	26	.	.	PUNCT
easat-10344	263	1	4.12	4.12	NUM
easat-10344	263	2	.	.	PUNCT
easat-10344	263	3	business	business	NOUN
easat-10344	263	4	applications	application	NOUN
easat-10344	263	5	and	and	CCONJ
easat-10344	263	6	client	client	NOUN
easat-10344	263	7	segmentation	segmentation	NOUN
easat-10344	263	8	the	the	DET
easat-10344	263	9	predictions	prediction	NOUN
easat-10344	263	10	generated	generate	VERB
easat-10344	263	11	by	by	ADP
easat-10344	263	12	our	our	PRON
easat-10344	263	13	bayesian	bayesian	NOUN
easat-10344	263	14	models	model	NOUN
easat-10344	263	15	serve	serve	VERB
easat-10344	263	16	not	not	PART
easat-10344	263	17	only	only	ADV
easat-10344	263	18	academic	academic	ADJ
easat-10344	263	19	interest	interest	NOUN
easat-10344	263	20	but	but	CCONJ
easat-10344	263	21	also	also	ADV
easat-10344	263	22	support	support	VERB
easat-10344	263	23	real	real	ADJ
easat-10344	263	24	-	-	PUNCT
easat-10344	263	25	world	world	NOUN
easat-10344	263	26	decision	decision	NOUN
easat-10344	263	27	-	-	PUNCT
easat-10344	263	28	making	making	NOUN
easat-10344	263	29	.	.	PUNCT
easat-10344	264	1	in	in	ADP
easat-10344	264	2	this	this	DET
easat-10344	264	3	paragraph	paragraph	NOUN
easat-10344	264	4	,	,	PUNCT
easat-10344	264	5	we	we	PRON
easat-10344	264	6	explore	explore	VERB
easat-10344	264	7	how	how	SCONJ
easat-10344	264	8	the	the	DET
easat-10344	264	9	model	model	NOUN
easat-10344	264	10	output	output	NOUN
easat-10344	264	11	can	can	AUX
easat-10344	264	12	guide	guide	VERB
easat-10344	264	13	creditrelated	creditrelate	VERB
easat-10344	264	14	business	business	NOUN
easat-10344	264	15	strategies	strategy	NOUN
easat-10344	264	16	and	and	CCONJ
easat-10344	264	17	personalized	personalize	VERB
easat-10344	264	18	financial	financial	ADJ
easat-10344	264	19	services	service	NOUN
easat-10344	264	20	.	.	PUNCT
easat-10344	265	1	4.13	4.13	NUM
easat-10344	265	2	.	.	PUNCT
easat-10344	265	3	risk	risk	NOUN
easat-10344	265	4	-	-	PUNCT
easat-10344	265	5	based	base	VERB
easat-10344	265	6	client	client	NOUN
easat-10344	265	7	segmentation	segmentation	NOUN
easat-10344	265	8	based	base	VERB
easat-10344	265	9	on	on	ADP
easat-10344	265	10	the	the	DET
easat-10344	265	11	probability	probability	NOUN
easat-10344	265	12	of	of	ADP
easat-10344	265	13	default	default	NOUN
easat-10344	265	14	forecasts	forecast	NOUN
easat-10344	265	15	,	,	PUNCT
easat-10344	265	16	customers	customer	NOUN
easat-10344	265	17	are	be	AUX
easat-10344	265	18	risk	risk	NOUN
easat-10344	265	19	-	-	PUNCT
easat-10344	265	20	categorized	categorize	VERB
easat-10344	265	21	.	.	PUNCT
easat-10344	266	1	risk	risk	NOUN
easat-10344	266	2	categorization	categorization	NOUN
easat-10344	266	3	helps	help	VERB
easat-10344	266	4	financial	financial	ADJ
easat-10344	266	5	institutions	institution	NOUN
easat-10344	266	6	to	to	PART
easat-10344	266	7	adjust	adjust	VERB
easat-10344	266	8	their	their	PRON
easat-10344	266	9	offers	offer	NOUN
easat-10344	266	10	and	and	CCONJ
easat-10344	266	11	strategies	strategy	NOUN
easat-10344	266	12	in	in	ADP
easat-10344	266	13	turn	turn	NOUN
easat-10344	266	14	.	.	PUNCT
easat-10344	267	1	interpretation	interpretation	NOUN
easat-10344	267	2	and	and	CCONJ
easat-10344	267	3	theoretical	theoretical	ADJ
easat-10344	267	4	support	support	NOUN
easat-10344	267	5	:	:	PUNCT
easat-10344	267	6	following	follow	VERB
easat-10344	267	7	the	the	DET
easat-10344	267	8	argument	argument	NOUN
easat-10344	267	9	of	of	ADP
easat-10344	267	10	shakurov	shakurov	NOUN
easat-10344	267	11	[	[	X
easat-10344	267	12	7	7	NUM
easat-10344	267	13	]	]	PUNCT
easat-10344	267	14	and	and	CCONJ
easat-10344	267	15	macias	macias	PROPN
easat-10344	268	1	[	[	X
easat-10344	268	2	5	5	NUM
easat-10344	268	3	]	]	PUNCT
easat-10344	268	4	,	,	PUNCT
easat-10344	268	5	customers	customer	NOUN
easat-10344	268	6	with	with	ADP
easat-10344	268	7	a	a	DET
easat-10344	268	8	debt	debt	NOUN
easat-10344	268	9	-	-	PUNCT
easat-10344	268	10	to	to	ADP
easat-10344	268	11	-	-	PUNCT
easat-10344	268	12	income	income	NOUN
easat-10344	268	13	(	(	PUNCT
easat-10344	268	14	dti	dti	PROPN
easat-10344	268	15	)	)	PUNCT
easat-10344	268	16	ratio	ratio	NOUN
easat-10344	268	17	above	above	ADP
easat-10344	268	18	0.4	0.4	NUM
easat-10344	268	19	have	have	VERB
easat-10344	268	20	a	a	DET
easat-10344	268	21	statistically	statistically	ADV
easat-10344	268	22	greater	great	ADJ
easat-10344	268	23	chance	chance	NOUN
easat-10344	268	24	of	of	ADP
easat-10344	268	25	default	default	NOUN
easat-10344	268	26	.	.	PUNCT
easat-10344	269	1	our	our	PRON
easat-10344	269	2	observation	observation	NOUN
easat-10344	269	3	confirms	confirm	VERB
easat-10344	269	4	this	this	PRON
easat-10344	269	5	:	:	PUNCT
easat-10344	269	6	high	high	ADJ
easat-10344	269	7	dti	dti	PROPN
easat-10344	269	8	customers	customer	NOUN
easat-10344	269	9	are	be	AUX
easat-10344	269	10	predominantly	predominantly	ADV
easat-10344	269	11	found	find	VERB
easat-10344	269	12	in	in	ADP
easat-10344	269	13	the	the	DET
easat-10344	269	14	predicted	predict	VERB
easat-10344	269	15	"	"	PUNCT
easat-10344	269	16	high	high	ADJ
easat-10344	269	17	risk	risk	NOUN
easat-10344	269	18	"	"	PUNCT
easat-10344	269	19	category	category	NOUN
easat-10344	269	20	.	.	PUNCT
easat-10344	270	1	this	this	DET
easat-10344	270	2	discovery	discovery	NOUN
easat-10344	270	3	informs	inform	VERB
easat-10344	270	4	basel	basel	PROPN
easat-10344	270	5	iii	iii	PROPN
easat-10344	270	6	and	and	CCONJ
easat-10344	270	7	cecl	cecl	ADJ
easat-10344	270	8	models	model	NOUN
easat-10344	270	9	that	that	PRON
easat-10344	270	10	accommodate	accommodate	VERB
easat-10344	270	11	credit	credit	NOUN
easat-10344	270	12	segmenting	segmenting	NOUN
easat-10344	270	13	methods	method	NOUN
easat-10344	270	14	considering	consider	VERB
easat-10344	270	15	financial	financial	ADJ
easat-10344	270	16	behavior	behavior	NOUN
easat-10344	270	17	rather	rather	ADV
easat-10344	270	18	than	than	ADP
easat-10344	270	19	historic	historic	ADJ
easat-10344	270	20	defaults	default	NOUN
easat-10344	270	21	[	[	X
easat-10344	270	22	13	13	NUM
easat-10344	270	23	]	]	PUNCT
easat-10344	270	24	.	.	PUNCT
easat-10344	271	1	4.14	4.14	NUM
easat-10344	271	2	.	.	PUNCT
easat-10344	272	1	risk	risk	NOUN
easat-10344	272	2	segments	segment	NOUN
easat-10344	272	3	as	as	SCONJ
easat-10344	272	4	illustrated	illustrate	VERB
easat-10344	272	5	in	in	ADP
easat-10344	272	6	figure	figure	NOUN
easat-10344	272	7	12	12	NUM
easat-10344	272	8	,	,	PUNCT
easat-10344	272	9	low	low	ADJ
easat-10344	272	10	risk	risk	NOUN
easat-10344	272	11	(	(	PUNCT
easat-10344	272	12	default	default	NOUN
easat-10344	272	13	probability	probability	NOUN
easat-10344	272	14	less	less	ADJ
easat-10344	272	15	than	than	ADP
easat-10344	272	16	0.3	0.3	NUM
easat-10344	272	17	):	):	PUNCT
easat-10344	272	18	reliable	reliable	ADJ
easat-10344	272	19	clients	client	NOUN
easat-10344	272	20	are	be	AUX
easat-10344	272	21	eligible	eligible	ADJ
easat-10344	272	22	for	for	ADP
easat-10344	272	23	larger	large	ADJ
easat-10344	272	24	loans	loan	NOUN
easat-10344	272	25	and	and	CCONJ
easat-10344	272	26	lower	low	ADJ
easat-10344	272	27	interest	interest	NOUN
easat-10344	272	28	rates	rate	NOUN
easat-10344	272	29	.	.	PUNCT
easat-10344	273	1	moderate	moderate	ADJ
easat-10344	273	2	risk	risk	NOUN
easat-10344	273	3	(	(	PUNCT
easat-10344	273	4	default	default	NOUN
easat-10344	273	5	probability	probability	NOUN
easat-10344	273	6	between	between	ADP
easat-10344	273	7	0.3	0.3	NUM
easat-10344	273	8	and	and	CCONJ
easat-10344	273	9	0.6	0.6	NUM
easat-10344	273	10	):	):	PUNCT
easat-10344	273	11	acceptable	acceptable	ADJ
easat-10344	273	12	clients	client	NOUN
easat-10344	273	13	with	with	ADP
easat-10344	273	14	medium	medium	ADJ
easat-10344	273	15	loan	loan	NOUN
easat-10344	273	16	limits	limit	NOUN
easat-10344	273	17	and	and	CCONJ
easat-10344	273	18	standard	standard	ADJ
easat-10344	273	19	guarantees	guarantee	NOUN
easat-10344	273	20	.	.	PUNCT
easat-10344	274	1	high	high	ADJ
easat-10344	274	2	risk	risk	NOUN
easat-10344	274	3	(	(	PUNCT
easat-10344	274	4	default	default	NOUN
easat-10344	274	5	probability	probability	NOUN
easat-10344	274	6	greater	great	ADJ
easat-10344	274	7	than	than	ADP
easat-10344	274	8	0.6	0.6	NUM
easat-10344	274	9	):	):	PUNCT
easat-10344	274	10	risky	risky	ADJ
easat-10344	274	11	profiles	profile	NOUN
easat-10344	274	12	requiring	require	VERB
easat-10344	274	13	guarantees	guarantee	NOUN
easat-10344	274	14	,	,	PUNCT
easat-10344	274	15	higher	high	ADJ
easat-10344	274	16	interest	interest	NOUN
easat-10344	274	17	rates	rate	NOUN
easat-10344	274	18	,	,	PUNCT
easat-10344	274	19	or	or	CCONJ
easat-10344	274	20	potential	potential	ADJ
easat-10344	274	21	rejection	rejection	NOUN
easat-10344	274	22	.	.	PUNCT
easat-10344	275	1	100	100	NUM
easat-10344	275	2	edelweiss	edelweiss	PROPN
easat-10344	275	3	applied	apply	VERB
easat-10344	275	4	science	science	NOUN
easat-10344	275	5	and	and	CCONJ
easat-10344	275	6	technology	technology	NOUN
easat-10344	275	7	issn	issn	PROPN
easat-10344	275	8	:	:	PUNCT
easat-10344	275	9	2576	2576	NUM
easat-10344	275	10	-	-	SYM
easat-10344	275	11	8484	8484	NUM
easat-10344	275	12	vol	vol	NOUN
easat-10344	275	13	.	.	PROPN
easat-10344	276	1	9	9	NUM
easat-10344	276	2	,	,	PUNCT
easat-10344	276	3	no	no	INTJ
easat-10344	276	4	.	.	NOUN
easat-10344	276	5	10	10	NUM
easat-10344	276	6	:	:	PUNCT
easat-10344	276	7	83	83	NUM
easat-10344	276	8	-	-	SYM
easat-10344	276	9	103	103	NUM
easat-10344	276	10	,	,	PUNCT
easat-10344	276	11	2025	2025	NUM
easat-10344	276	12	doi	doi	NOUN
easat-10344	276	13	:	:	PUNCT
easat-10344	276	14	10.55214/2576	10.55214/2576	NUM
easat-10344	276	15	-	-	PUNCT
easat-10344	276	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	276	17	©	©	PROPN
easat-10344	276	18	2025	2025	NUM
easat-10344	276	19	by	by	ADP
easat-10344	276	20	the	the	DET
easat-10344	276	21	authors	author	NOUN
easat-10344	276	22	;	;	PUNCT
easat-10344	277	1	licensee	licensee	PROPN
easat-10344	277	2	learning	learn	VERB
easat-10344	277	3	gate	gate	PROPN
easat-10344	277	4	figure	figure	NOUN
easat-10344	277	5	12	12	NUM
easat-10344	277	6	.	.	PUNCT
easat-10344	278	1	client	client	NOUN
easat-10344	278	2	segmentation	segmentation	NOUN
easat-10344	278	3	by	by	ADP
easat-10344	278	4	predicted	predict	VERB
easat-10344	278	5	default	default	NOUN
easat-10344	278	6	probability	probability	NOUN
easat-10344	278	7	.	.	PUNCT
easat-10344	279	1	4.15	4.15	NUM
easat-10344	279	2	.	.	PUNCT
easat-10344	280	1	personalized	personalized	ADJ
easat-10344	280	2	credit	credit	NOUN
easat-10344	280	3	offers	offer	NOUN
easat-10344	280	4	using	use	VERB
easat-10344	280	5	the	the	DET
easat-10344	280	6	output	output	NOUN
easat-10344	280	7	probabilities	probability	NOUN
easat-10344	280	8	from	from	ADP
easat-10344	280	9	naive	naive	ADJ
easat-10344	280	10	bayes	bayes	NOUN
easat-10344	280	11	or	or	CCONJ
easat-10344	280	12	bnn	bnn	PROPN
easat-10344	280	13	,	,	PUNCT
easat-10344	281	1	loan	loan	NOUN
easat-10344	281	2	offers	offer	NOUN
easat-10344	281	3	can	can	AUX
easat-10344	281	4	be	be	AUX
easat-10344	281	5	dynamically	dynamically	ADV
easat-10344	281	6	adapted	adapt	VERB
easat-10344	281	7	.	.	PUNCT
easat-10344	282	1	this	this	PRON
easat-10344	282	2	enables	enable	VERB
easat-10344	282	3	financial	financial	ADJ
easat-10344	282	4	institutions	institution	NOUN
easat-10344	282	5	to	to	PART
easat-10344	282	6	personalize	personalize	VERB
easat-10344	282	7	offers	offer	NOUN
easat-10344	282	8	,	,	PUNCT
easat-10344	282	9	increasing	increase	VERB
easat-10344	282	10	client	client	NOUN
easat-10344	282	11	satisfaction	satisfaction	NOUN
easat-10344	282	12	while	while	SCONJ
easat-10344	282	13	minimizing	minimize	VERB
easat-10344	282	14	risk	risk	NOUN
easat-10344	282	15	.	.	PUNCT
easat-10344	283	1	4.16	4.16	NUM
easat-10344	283	2	.	.	PUNCT
easat-10344	284	1	demonstration	demonstration	NOUN
easat-10344	284	2	figure	figure	NOUN
easat-10344	284	3	1	1	NUM
easat-10344	284	4	3	3	NUM
easat-10344	284	5	.	.	PUNCT
easat-10344	285	1	example	example	NOUN
easat-10344	285	2	of	of	ADP
easat-10344	285	3	personalized	personalized	ADJ
easat-10344	285	4	offers	offer	NOUN
easat-10344	285	5	by	by	ADP
easat-10344	285	6	risk	risk	NOUN
easat-10344	285	7	profile	profile	NOUN
easat-10344	285	8	.	.	PUNCT
easat-10344	286	1	101	101	NUM
easat-10344	286	2	edelweiss	edelweiss	PROPN
easat-10344	286	3	applied	apply	VERB
easat-10344	286	4	science	science	NOUN
easat-10344	286	5	and	and	CCONJ
easat-10344	286	6	technology	technology	NOUN
easat-10344	286	7	issn	issn	PROPN
easat-10344	286	8	:	:	PUNCT
easat-10344	286	9	2576	2576	NUM
easat-10344	286	10	-	-	SYM
easat-10344	286	11	8484	8484	NUM
easat-10344	286	12	vol	vol	NOUN
easat-10344	286	13	.	.	PROPN
easat-10344	287	1	9	9	NUM
easat-10344	287	2	,	,	PUNCT
easat-10344	287	3	no	no	INTJ
easat-10344	287	4	.	.	NOUN
easat-10344	287	5	10	10	NUM
easat-10344	287	6	:	:	PUNCT
easat-10344	287	7	83	83	NUM
easat-10344	287	8	-	-	SYM
easat-10344	287	9	103	103	NUM
easat-10344	287	10	,	,	PUNCT
easat-10344	287	11	2025	2025	NUM
easat-10344	287	12	doi	doi	NOUN
easat-10344	287	13	:	:	PUNCT
easat-10344	287	14	10.55214/2576	10.55214/2576	NUM
easat-10344	287	15	-	-	PUNCT
easat-10344	287	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	287	17	©	©	PROPN
easat-10344	287	18	2025	2025	NUM
easat-10344	287	19	by	by	ADP
easat-10344	287	20	the	the	DET
easat-10344	287	21	authors	author	NOUN
easat-10344	287	22	;	;	PUNCT
easat-10344	287	23	licensee	licensee	PROPN
easat-10344	287	24	learning	learning	NOUN
easat-10344	287	25	gate	gate	VERB
easat-10344	287	26	a	a	DET
easat-10344	287	27	client	client	NOUN
easat-10344	287	28	with	with	ADP
easat-10344	287	29	a	a	DET
easat-10344	287	30	risk	risk	NOUN
easat-10344	287	31	score	score	NOUN
easat-10344	287	32	of	of	ADP
easat-10344	287	33	15	15	NUM
easat-10344	287	34	%	%	NOUN
easat-10344	287	35	was	be	AUX
easat-10344	287	36	offered	offer	VERB
easat-10344	287	37	:	:	PUNCT
easat-10344	287	38	$	$	SYM
easat-10344	287	39	20,000	20,000	NUM
easat-10344	287	40	at	at	ADP
easat-10344	287	41	9.5	9.5	NUM
easat-10344	287	42	%	%	NOUN
easat-10344	287	43	interest	interest	NOUN
easat-10344	287	44	,	,	PUNCT
easat-10344	287	45	no	no	DET
easat-10344	287	46	guarantee	guarantee	NOUN
easat-10344	287	47	required	require	VERB
easat-10344	287	48	.	.	PUNCT
easat-10344	288	1	a	a	DET
easat-10344	288	2	client	client	NOUN
easat-10344	288	3	with	with	ADP
easat-10344	288	4	a	a	DET
easat-10344	288	5	risk	risk	NOUN
easat-10344	288	6	score	score	NOUN
easat-10344	288	7	of	of	ADP
easat-10344	288	8	65	65	NUM
easat-10344	288	9	%	%	NOUN
easat-10344	288	10	can	can	AUX
easat-10344	288	11	be	be	AUX
easat-10344	288	12	offered	offer	VERB
easat-10344	288	13	:	:	PUNCT
easat-10344	288	14	$	$	SYM
easat-10344	288	15	8,000	8,000	NUM
easat-10344	288	16	at	at	ADP
easat-10344	288	17	15	15	NUM
easat-10344	288	18	%	%	NOUN
easat-10344	288	19	interest	interest	NOUN
easat-10344	288	20	,	,	PUNCT
easat-10344	288	21	with	with	ADP
easat-10344	288	22	a	a	DET
easat-10344	288	23	guarantor	guarantor	NOUN
easat-10344	288	24	.	.	PUNCT
easat-10344	289	1	such	such	ADJ
easat-10344	289	2	segmentation	segmentation	NOUN
easat-10344	289	3	,	,	PUNCT
easat-10344	289	4	as	as	SCONJ
easat-10344	289	5	shown	show	VERB
easat-10344	289	6	in	in	ADP
easat-10344	289	7	fig	fig	NOUN
easat-10344	289	8	13	13	NUM
easat-10344	289	9	based	base	VERB
easat-10344	289	10	on	on	ADP
easat-10344	289	11	bayesian	bayesian	NOUN
easat-10344	289	12	credit	credit	NOUN
easat-10344	289	13	risk	risk	NOUN
easat-10344	289	14	modeling	modeling	NOUN
easat-10344	289	15	,	,	PUNCT
easat-10344	289	16	offers	offer	VERB
easat-10344	289	17	powerful	powerful	ADJ
easat-10344	289	18	advantages	advantage	NOUN
easat-10344	289	19	across	across	ADP
easat-10344	289	20	marketing	marketing	NOUN
easat-10344	289	21	,	,	PUNCT
easat-10344	289	22	financial	financial	ADJ
easat-10344	289	23	strategy	strategy	NOUN
easat-10344	289	24	,	,	PUNCT
easat-10344	289	25	and	and	CCONJ
easat-10344	289	26	operational	operational	ADJ
easat-10344	289	27	efficiency	efficiency	NOUN
easat-10344	289	28	.	.	PUNCT
easat-10344	290	1	by	by	ADP
easat-10344	290	2	categorizing	categorize	VERB
easat-10344	290	3	clients	client	NOUN
easat-10344	290	4	into	into	ADP
easat-10344	290	5	risk	risk	NOUN
easat-10344	290	6	bands	band	NOUN
easat-10344	290	7	,	,	PUNCT
easat-10344	290	8	marketing	marketing	NOUN
easat-10344	290	9	teams	team	NOUN
easat-10344	290	10	can	can	AUX
easat-10344	290	11	tailor	tailor	VERB
easat-10344	290	12	their	their	PRON
easat-10344	290	13	outreach	outreach	NOUN
easat-10344	290	14	:	:	PUNCT
easat-10344	290	15	low	low	ADJ
easat-10344	290	16	-	-	PUNCT
easat-10344	290	17	risk	risk	NOUN
easat-10344	290	18	individuals	individual	NOUN
easat-10344	290	19	are	be	AUX
easat-10344	290	20	targeted	target	VERB
easat-10344	290	21	with	with	ADP
easat-10344	290	22	premium	premium	ADJ
easat-10344	290	23	financial	financial	ADJ
easat-10344	290	24	products	product	NOUN
easat-10344	290	25	,	,	PUNCT
easat-10344	290	26	moderaterisk	moderaterisk	NOUN
easat-10344	290	27	clients	client	NOUN
easat-10344	290	28	receive	receive	VERB
easat-10344	290	29	educational	educational	ADJ
easat-10344	290	30	content	content	NOUN
easat-10344	290	31	on	on	ADP
easat-10344	290	32	credit	credit	NOUN
easat-10344	290	33	optimization	optimization	NOUN
easat-10344	290	34	,	,	PUNCT
easat-10344	290	35	and	and	CCONJ
easat-10344	290	36	high	high	ADJ
easat-10344	290	37	-	-	PUNCT
easat-10344	290	38	risk	risk	NOUN
easat-10344	290	39	profiles	profile	NOUN
easat-10344	290	40	are	be	AUX
easat-10344	290	41	flagged	flag	VERB
easat-10344	290	42	for	for	SCONJ
easat-10344	290	43	manual	manual	ADJ
easat-10344	290	44	review	review	NOUN
easat-10344	290	45	to	to	PART
easat-10344	290	46	prevent	prevent	VERB
easat-10344	290	47	fraud	fraud	NOUN
easat-10344	290	48	and	and	CCONJ
easat-10344	290	49	over	over	ADP
easat-10344	290	50	-	-	PUNCT
easat-10344	290	51	indebtedness	indebtedness	NOUN
easat-10344	290	52	.	.	PUNCT
easat-10344	291	1	these	these	DET
easat-10344	291	2	segments	segment	NOUN
easat-10344	291	3	can	can	AUX
easat-10344	291	4	be	be	AUX
easat-10344	291	5	seamlessly	seamlessly	ADV
easat-10344	291	6	integrated	integrate	VERB
easat-10344	291	7	into	into	ADP
easat-10344	291	8	personalized	personalized	ADJ
easat-10344	291	9	communication	communication	NOUN
easat-10344	291	10	channels	channel	NOUN
easat-10344	291	11	such	such	ADJ
easat-10344	291	12	as	as	ADP
easat-10344	291	13	email	email	NOUN
easat-10344	291	14	campaigns	campaign	NOUN
easat-10344	291	15	,	,	PUNCT
easat-10344	291	16	product	product	NOUN
easat-10344	291	17	recommendation	recommendation	NOUN
easat-10344	291	18	engines	engine	NOUN
easat-10344	291	19	,	,	PUNCT
easat-10344	291	20	and	and	CCONJ
easat-10344	291	21	push	push	VERB
easat-10344	291	22	notifications	notification	NOUN
easat-10344	291	23	.	.	PUNCT
easat-10344	292	1	on	on	ADP
easat-10344	292	2	the	the	DET
easat-10344	292	3	financial	financial	ADJ
easat-10344	292	4	side	side	NOUN
easat-10344	292	5	,	,	PUNCT
easat-10344	292	6	model	model	NOUN
easat-10344	292	7	-	-	PUNCT
easat-10344	292	8	driven	drive	VERB
easat-10344	292	9	segmentation	segmentation	NOUN
easat-10344	292	10	enables	enable	VERB
easat-10344	292	11	banks	bank	NOUN
easat-10344	292	12	to	to	PART
easat-10344	292	13	reduce	reduce	VERB
easat-10344	292	14	losses	loss	NOUN
easat-10344	292	15	from	from	ADP
easat-10344	292	16	loan	loan	NOUN
easat-10344	292	17	defaults	default	NOUN
easat-10344	292	18	,	,	PUNCT
easat-10344	292	19	increase	increase	VERB
easat-10344	292	20	approval	approval	NOUN
easat-10344	292	21	rates	rate	NOUN
easat-10344	292	22	for	for	ADP
easat-10344	292	23	qualified	qualified	ADJ
easat-10344	292	24	applicants	applicant	NOUN
easat-10344	292	25	,	,	PUNCT
easat-10344	292	26	and	and	CCONJ
easat-10344	292	27	improve	improve	VERB
easat-10344	292	28	client	client	NOUN
easat-10344	292	29	retention	retention	NOUN
easat-10344	292	30	through	through	ADP
easat-10344	292	31	fair	fair	ADJ
easat-10344	292	32	and	and	CCONJ
easat-10344	292	33	customized	customized	ADJ
easat-10344	292	34	pricing	pricing	NOUN
easat-10344	292	35	.	.	PUNCT
easat-10344	293	1	the	the	DET
easat-10344	293	2	estimated	estimate	VERB
easat-10344	293	3	benefits	benefit	NOUN
easat-10344	293	4	are	be	AUX
easat-10344	293	5	substantial	substantial	ADJ
easat-10344	293	6	:	:	PUNCT
easat-10344	293	7	a	a	DET
easat-10344	293	8	reduction	reduction	NOUN
easat-10344	293	9	in	in	ADP
easat-10344	293	10	the	the	DET
easat-10344	293	11	average	average	ADJ
easat-10344	293	12	default	default	NOUN
easat-10344	293	13	rate	rate	NOUN
easat-10344	293	14	from	from	ADP
easat-10344	293	15	17	17	NUM
easat-10344	293	16	%	%	NOUN
easat-10344	293	17	to	to	PART
easat-10344	293	18	10	10	NUM
easat-10344	293	19	%	%	NOUN
easat-10344	293	20	,	,	PUNCT
easat-10344	293	21	a	a	DET
easat-10344	293	22	potential	potential	ADJ
easat-10344	293	23	12	12	NUM
easat-10344	293	24	%	%	NOUN
easat-10344	293	25	increase	increase	NOUN
easat-10344	293	26	in	in	ADP
easat-10344	293	27	approved	approve	VERB
easat-10344	293	28	loans	loan	NOUN
easat-10344	293	29	,	,	PUNCT
easat-10344	293	30	and	and	CCONJ
easat-10344	293	31	significant	significant	ADJ
easat-10344	293	32	operational	operational	ADJ
easat-10344	293	33	cost	cost	NOUN
easat-10344	293	34	savings	saving	NOUN
easat-10344	293	35	due	due	ADP
easat-10344	293	36	to	to	ADP
easat-10344	293	37	fewer	few	ADJ
easat-10344	293	38	manual	manual	ADJ
easat-10344	293	39	checks	check	NOUN
easat-10344	293	40	and	and	CCONJ
easat-10344	293	41	more	more	ADV
easat-10344	293	42	efficient	efficient	ADJ
easat-10344	293	43	pre	pre	ADJ
easat-10344	293	44	-	-	NOUN
easat-10344	293	45	screening	screen	VERB
easat-10344	293	46	.	.	PUNCT
easat-10344	294	1	altogether	altogether	ADV
easat-10344	294	2	,	,	PUNCT
easat-10344	294	3	this	this	DET
easat-10344	294	4	approach	approach	NOUN
easat-10344	294	5	enhances	enhance	VERB
easat-10344	294	6	profitability	profitability	NOUN
easat-10344	294	7	,	,	PUNCT
easat-10344	294	8	strengthens	strengthen	VERB
easat-10344	294	9	risk	risk	NOUN
easat-10344	294	10	management	management	NOUN
easat-10344	294	11	,	,	PUNCT
easat-10344	294	12	and	and	CCONJ
easat-10344	294	13	fosters	foster	VERB
easat-10344	294	14	deeper	deep	ADJ
easat-10344	294	15	customer	customer	NOUN
easat-10344	294	16	engagement	engagement	NOUN
easat-10344	294	17	.	.	PUNCT
easat-10344	295	1	5	5	X
easat-10344	295	2	.	.	X
easat-10344	295	3	results	result	NOUN
easat-10344	295	4	hypothesis	hypothesis	NOUN
easat-10344	295	5	1	1	NUM
easat-10344	295	6	:	:	PUNCT
easat-10344	295	7	the	the	DET
easat-10344	295	8	naive	naive	ADJ
easat-10344	295	9	bayes	bayes	NOUN
easat-10344	295	10	classifier	classifier	NOUN
easat-10344	295	11	provides	provide	VERB
easat-10344	295	12	a	a	DET
easat-10344	295	13	reasonably	reasonably	ADV
easat-10344	295	14	accurate	accurate	ADJ
easat-10344	295	15	estimate	estimate	NOUN
easat-10344	295	16	of	of	ADP
easat-10344	295	17	credit	credit	NOUN
easat-10344	295	18	default	default	NOUN
easat-10344	295	19	risk	risk	NOUN
easat-10344	295	20	despite	despite	SCONJ
easat-10344	295	21	its	its	PRON
easat-10344	295	22	strong	strong	ADJ
easat-10344	295	23	independence	independence	NOUN
easat-10344	295	24	assumptions	assumption	NOUN
easat-10344	295	25	.	.	PUNCT
easat-10344	296	1	the	the	DET
easat-10344	296	2	results	result	NOUN
easat-10344	296	3	confirm	confirm	VERB
easat-10344	296	4	this	this	DET
easat-10344	296	5	hypothesis	hypothesis	NOUN
easat-10344	296	6	.	.	PUNCT
easat-10344	297	1	although	although	SCONJ
easat-10344	297	2	the	the	DET
easat-10344	297	3	model	model	NOUN
easat-10344	297	4	relies	rely	VERB
easat-10344	297	5	on	on	ADP
easat-10344	297	6	a	a	DET
easat-10344	297	7	simplifying	simplify	VERB
easat-10344	297	8	assumption	assumption	NOUN
easat-10344	297	9	of	of	ADP
easat-10344	297	10	conditional	conditional	ADJ
easat-10344	297	11	independence	independence	NOUN
easat-10344	297	12	among	among	ADP
easat-10344	297	13	features	feature	NOUN
easat-10344	297	14	,	,	PUNCT
easat-10344	297	15	naive	naive	ADJ
easat-10344	297	16	bayes	bayes	NOUN
easat-10344	297	17	has	have	AUX
easat-10344	297	18	demonstrated	demonstrate	VERB
easat-10344	297	19	robust	robust	ADJ
easat-10344	297	20	performance	performance	NOUN
easat-10344	297	21	in	in	ADP
easat-10344	297	22	binary	binary	ADJ
easat-10344	297	23	classification	classification	NOUN
easat-10344	297	24	tasks	task	NOUN
easat-10344	297	25	.	.	PUNCT
easat-10344	298	1	its	its	PRON
easat-10344	298	2	effectiveness	effectiveness	NOUN
easat-10344	298	3	in	in	ADP
easat-10344	298	4	credit	credit	NOUN
easat-10344	298	5	scoring	scoring	NOUN
easat-10344	298	6	,	,	PUNCT
easat-10344	298	7	as	as	SCONJ
easat-10344	298	8	highlighted	highlight	VERB
easat-10344	298	9	by	by	ADP
easat-10344	298	10	hounnou	hounnou	NOUN
easat-10344	298	11	[	[	X
easat-10344	298	12	11	11	NUM
easat-10344	298	13	]	]	PUNCT
easat-10344	298	14	,	,	PUNCT
easat-10344	298	15	stems	stem	VERB
easat-10344	298	16	from	from	ADP
easat-10344	298	17	proper	proper	ADJ
easat-10344	298	18	data	datum	NOUN
easat-10344	298	19	preprocessing	preprocessing	NOUN
easat-10344	298	20	and	and	CCONJ
easat-10344	298	21	relevant	relevant	ADJ
easat-10344	298	22	feature	feature	NOUN
easat-10344	298	23	selection	selection	NOUN
easat-10344	298	24	.	.	PUNCT
easat-10344	299	1	ziadi	ziadi	NOUN
easat-10344	299	2	and	and	CCONJ
easat-10344	299	3	gafsi	gafsi	NOUN
easat-10344	300	1	[	[	X
easat-10344	300	2	12	12	NUM
easat-10344	300	3	]	]	PUNCT
easat-10344	300	4	also	also	ADV
easat-10344	300	5	showed	show	VERB
easat-10344	300	6	that	that	SCONJ
easat-10344	300	7	this	this	DET
easat-10344	300	8	model	model	NOUN
easat-10344	300	9	,	,	PUNCT
easat-10344	300	10	despite	despite	SCONJ
easat-10344	300	11	its	its	PRON
easat-10344	300	12	simplicity	simplicity	NOUN
easat-10344	300	13	,	,	PUNCT
easat-10344	300	14	can	can	AUX
easat-10344	300	15	rival	rival	VERB
easat-10344	300	16	more	more	ADJ
easat-10344	300	17	complex	complex	ADJ
easat-10344	300	18	architectures	architecture	NOUN
easat-10344	300	19	when	when	SCONJ
easat-10344	300	20	applied	apply	VERB
easat-10344	300	21	to	to	ADP
easat-10344	300	22	well	well	ADV
easat-10344	300	23	-	-	PUNCT
easat-10344	300	24	structured	structure	VERB
easat-10344	300	25	financial	financial	ADJ
easat-10344	300	26	data	datum	NOUN
easat-10344	300	27	.	.	PUNCT
easat-10344	301	1	in	in	ADP
easat-10344	301	2	this	this	DET
easat-10344	301	3	study	study	NOUN
easat-10344	301	4	,	,	PUNCT
easat-10344	301	5	it	it	PRON
easat-10344	301	6	served	serve	VERB
easat-10344	301	7	as	as	ADP
easat-10344	301	8	a	a	DET
easat-10344	301	9	reliable	reliable	ADJ
easat-10344	301	10	baseline	baseline	NOUN
easat-10344	301	11	,	,	PUNCT
easat-10344	301	12	delivering	deliver	VERB
easat-10344	301	13	interpretable	interpretable	ADJ
easat-10344	301	14	and	and	CCONJ
easat-10344	301	15	trustworthy	trustworthy	ADJ
easat-10344	301	16	predictions	prediction	NOUN
easat-10344	301	17	,	,	PUNCT
easat-10344	301	18	validating	validate	VERB
easat-10344	301	19	its	its	PRON
easat-10344	301	20	relevance	relevance	NOUN
easat-10344	301	21	in	in	ADP
easat-10344	301	22	financial	financial	ADJ
easat-10344	301	23	environments	environment	NOUN
easat-10344	301	24	.	.	PUNCT
easat-10344	302	1	hypothesis	hypothesis	NOUN
easat-10344	302	2	2	2	NUM
easat-10344	302	3	:	:	PUNCT
easat-10344	302	4	bayesian	bayesian	NOUN
easat-10344	302	5	neural	neural	ADJ
easat-10344	302	6	networks	network	NOUN
easat-10344	302	7	(	(	PUNCT
easat-10344	302	8	bnns	bnns	ADJ
easat-10344	302	9	)	)	PUNCT
easat-10344	302	10	outperform	outperform	ADJ
easat-10344	302	11	classical	classical	ADJ
easat-10344	302	12	neural	neural	ADJ
easat-10344	302	13	networks	network	NOUN
easat-10344	302	14	in	in	ADP
easat-10344	302	15	terms	term	NOUN
easat-10344	302	16	of	of	ADP
easat-10344	302	17	accuracy	accuracy	NOUN
easat-10344	302	18	and	and	CCONJ
easat-10344	302	19	uncertainty	uncertainty	NOUN
easat-10344	302	20	quantification	quantification	NOUN
easat-10344	302	21	.	.	PUNCT
easat-10344	303	1	this	this	DET
easat-10344	303	2	hypothesis	hypothesis	NOUN
easat-10344	303	3	is	be	AUX
easat-10344	303	4	also	also	ADV
easat-10344	303	5	validated	validate	VERB
easat-10344	303	6	.	.	PUNCT
easat-10344	304	1	bnns	bnns	PROPN
easat-10344	304	2	clearly	clearly	ADV
easat-10344	304	3	outperformed	outperform	VERB
easat-10344	304	4	in	in	ADP
easat-10344	304	5	predictive	predictive	ADJ
easat-10344	304	6	performance	performance	NOUN
easat-10344	304	7	and	and	CCONJ
easat-10344	304	8	uncertainty	uncertainty	NOUN
easat-10344	304	9	management	management	NOUN
easat-10344	304	10	.	.	PUNCT
easat-10344	305	1	by	by	ADP
easat-10344	305	2	treating	treat	VERB
easat-10344	305	3	weights	weight	NOUN
easat-10344	305	4	as	as	ADP
easat-10344	305	5	probabilistic	probabilistic	ADJ
easat-10344	305	6	distributions	distribution	NOUN
easat-10344	305	7	,	,	PUNCT
easat-10344	305	8	they	they	PRON
easat-10344	305	9	allow	allow	VERB
easat-10344	305	10	for	for	ADP
easat-10344	305	11	better	well	ADJ
easat-10344	305	12	risk	risk	NOUN
easat-10344	305	13	calibration	calibration	NOUN
easat-10344	305	14	,	,	PUNCT
easat-10344	305	15	which	which	PRON
easat-10344	305	16	is	be	AUX
easat-10344	305	17	crucial	crucial	ADJ
easat-10344	305	18	in	in	ADP
easat-10344	305	19	credit	credit	NOUN
easat-10344	305	20	decision	decision	NOUN
easat-10344	305	21	-	-	PUNCT
easat-10344	305	22	making	making	NOUN
easat-10344	305	23	.	.	PUNCT
easat-10344	306	1	gu	gu	NOUN
easat-10344	306	2	et	et	PROPN
easat-10344	306	3	al	al	PROPN
easat-10344	306	4	.	.	PUNCT
easat-10344	307	1	[	[	X
easat-10344	307	2	9	9	NUM
easat-10344	307	3	]	]	PUNCT
easat-10344	307	4	demonstrated	demonstrate	VERB
easat-10344	307	5	that	that	SCONJ
easat-10344	307	6	bnns	bnns	PROPN
easat-10344	307	7	surpass	surpass	ADJ
easat-10344	307	8	traditional	traditional	ADJ
easat-10344	307	9	neural	neural	ADJ
easat-10344	307	10	networks	network	NOUN
easat-10344	307	11	in	in	ADP
easat-10344	307	12	reliability	reliability	NOUN
easat-10344	307	13	,	,	PUNCT
easat-10344	307	14	particularly	particularly	ADV
easat-10344	307	15	in	in	ADP
easat-10344	307	16	sensitive	sensitive	ADJ
easat-10344	307	17	domains	domain	NOUN
easat-10344	307	18	such	such	ADJ
easat-10344	307	19	as	as	ADP
easat-10344	307	20	medicine	medicine	NOUN
easat-10344	307	21	and	and	CCONJ
easat-10344	307	22	finance	finance	NOUN
easat-10344	307	23	.	.	PUNCT
easat-10344	308	1	the	the	DET
easat-10344	308	2	findings	finding	NOUN
easat-10344	308	3	of	of	ADP
easat-10344	308	4	this	this	DET
easat-10344	308	5	study	study	NOUN
easat-10344	308	6	confirm	confirm	VERB
easat-10344	308	7	that	that	SCONJ
easat-10344	308	8	bnns	bnn	NOUN
easat-10344	308	9	produce	produce	VERB
easat-10344	308	10	richer	rich	ADJ
easat-10344	308	11	and	and	CCONJ
easat-10344	308	12	more	more	ADV
easat-10344	308	13	informative	informative	ADJ
easat-10344	308	14	outputs	output	NOUN
easat-10344	308	15	,	,	PUNCT
easat-10344	308	16	reinforcing	reinforce	VERB
easat-10344	308	17	their	their	PRON
easat-10344	308	18	utility	utility	NOUN
easat-10344	308	19	in	in	ADP
easat-10344	308	20	high	high	ADJ
easat-10344	308	21	-	-	PUNCT
easat-10344	308	22	stakes	stake	NOUN
easat-10344	308	23	environments	environment	NOUN
easat-10344	308	24	like	like	ADP
easat-10344	308	25	banking	banking	NOUN
easat-10344	308	26	.	.	PUNCT
easat-10344	309	1	hypothesis	hypothesis	NOUN
easat-10344	309	2	3	3	NUM
easat-10344	309	3	:	:	PUNCT
easat-10344	309	4	incorporating	incorporate	VERB
easat-10344	309	5	financial	financial	ADJ
easat-10344	309	6	indicators	indicator	NOUN
easat-10344	309	7	and	and	CCONJ
easat-10344	309	8	ratios	ratio	NOUN
easat-10344	309	9	significantly	significantly	ADV
easat-10344	309	10	improves	improve	VERB
easat-10344	309	11	the	the	DET
easat-10344	309	12	accuracy	accuracy	NOUN
easat-10344	309	13	and	and	CCONJ
easat-10344	309	14	reliability	reliability	NOUN
easat-10344	309	15	of	of	ADP
easat-10344	309	16	credit	credit	NOUN
easat-10344	309	17	risk	risk	NOUN
easat-10344	309	18	prediction	prediction	NOUN
easat-10344	309	19	models	model	NOUN
easat-10344	309	20	.	.	PUNCT
easat-10344	310	1	empirical	empirical	ADJ
easat-10344	310	2	results	result	NOUN
easat-10344	310	3	strongly	strongly	ADV
easat-10344	310	4	support	support	VERB
easat-10344	310	5	this	this	DET
easat-10344	310	6	hypothesis	hypothesis	NOUN
easat-10344	310	7	.	.	PUNCT
easat-10344	311	1	the	the	DET
easat-10344	311	2	inclusion	inclusion	NOUN
easat-10344	311	3	of	of	ADP
easat-10344	311	4	ratios	ratio	NOUN
easat-10344	311	5	such	such	ADJ
easat-10344	311	6	as	as	ADP
easat-10344	311	7	debt	debt	NOUN
easat-10344	311	8	-	-	PUNCT
easat-10344	311	9	to	to	ADP
easat-10344	311	10	-	-	PUNCT
easat-10344	311	11	income	income	NOUN
easat-10344	311	12	and	and	CCONJ
easat-10344	311	13	installment	installment	NOUN
easat-10344	311	14	-	-	PUNCT
easat-10344	311	15	to	to	ADP
easat-10344	311	16	-	-	PUNCT
easat-10344	311	17	income	income	NOUN
easat-10344	311	18	enhanced	enhance	VERB
easat-10344	311	19	the	the	DET
easat-10344	311	20	explanatory	explanatory	ADJ
easat-10344	311	21	power	power	NOUN
easat-10344	311	22	of	of	ADP
easat-10344	311	23	the	the	DET
easat-10344	311	24	models	model	NOUN
easat-10344	311	25	.	.	PUNCT
easat-10344	312	1	despite	despite	SCONJ
easat-10344	312	2	some	some	DET
easat-10344	312	3	missing	miss	VERB
easat-10344	312	4	data	datum	NOUN
easat-10344	312	5	,	,	PUNCT
easat-10344	312	6	these	these	DET
easat-10344	312	7	variables	variable	NOUN
easat-10344	312	8	improved	improve	VERB
easat-10344	312	9	both	both	DET
easat-10344	312	10	overall	overall	ADJ
easat-10344	312	11	performance	performance	NOUN
easat-10344	312	12	and	and	CCONJ
easat-10344	312	13	interpretability	interpretability	NOUN
easat-10344	312	14	.	.	PUNCT
easat-10344	313	1	as	as	SCONJ
easat-10344	313	2	noted	note	VERB
easat-10344	313	3	by	by	ADP
easat-10344	313	4	hounnou	hounnou	NOUN
easat-10344	313	5	[	[	X
easat-10344	313	6	11	11	NUM
easat-10344	313	7	]	]	PUNCT
easat-10344	313	8	,	,	PUNCT
easat-10344	313	9	integrating	integrate	VERB
easat-10344	313	10	relevant	relevant	ADJ
easat-10344	313	11	socio	socio	NOUN
easat-10344	313	12	-	-	PUNCT
easat-10344	313	13	economic	economic	ADJ
easat-10344	313	14	variables	variable	NOUN
easat-10344	313	15	enables	enable	VERB
easat-10344	313	16	bayesian	bayesian	NOUN
easat-10344	313	17	models	model	NOUN
easat-10344	313	18	to	to	ADP
easat-10344	313	19	better	well	ADJ
easat-10344	313	20	segment	segment	NOUN
easat-10344	313	21	clients	client	NOUN
easat-10344	313	22	and	and	CCONJ
easat-10344	313	23	anticipate	anticipate	VERB
easat-10344	313	24	default	default	NOUN
easat-10344	313	25	behavior	behavior	NOUN
easat-10344	313	26	.	.	PUNCT
easat-10344	314	1	these	these	DET
easat-10344	314	2	findings	finding	NOUN
easat-10344	314	3	align	align	VERB
easat-10344	314	4	with	with	ADP
easat-10344	314	5	ziadi	ziadi	PROPN
easat-10344	314	6	ben	ben	PROPN
easat-10344	314	7	fadhel	fadhel	PROPN
easat-10344	315	1	[	[	X
easat-10344	315	2	6	6	NUM
easat-10344	315	3	]	]	PUNCT
easat-10344	315	4	,	,	PUNCT
easat-10344	315	5	who	who	PRON
easat-10344	315	6	emphasized	emphasize	VERB
easat-10344	315	7	that	that	SCONJ
easat-10344	315	8	financial	financial	ADJ
easat-10344	315	9	ratios	ratio	NOUN
easat-10344	315	10	are	be	AUX
easat-10344	315	11	essential	essential	ADJ
easat-10344	315	12	levers	lever	NOUN
easat-10344	315	13	for	for	ADP
easat-10344	315	14	capturing	capture	VERB
easat-10344	315	15	the	the	DET
easat-10344	315	16	complexity	complexity	NOUN
easat-10344	315	17	of	of	ADP
easat-10344	315	18	borrower	borrower	NOUN
easat-10344	315	19	behavior	behavior	NOUN
easat-10344	315	20	.	.	PUNCT
easat-10344	316	1	hypothesis	hypothesis	NOUN
easat-10344	316	2	4	4	NUM
easat-10344	316	3	:	:	PUNCT
easat-10344	316	4	data	datum	NOUN
easat-10344	316	5	quality	quality	NOUN
easat-10344	316	6	has	have	VERB
easat-10344	316	7	a	a	DET
easat-10344	316	8	direct	direct	ADJ
easat-10344	316	9	impact	impact	NOUN
easat-10344	316	10	on	on	ADP
easat-10344	316	11	the	the	DET
easat-10344	316	12	predictive	predictive	ADJ
easat-10344	316	13	accuracy	accuracy	NOUN
easat-10344	316	14	and	and	CCONJ
easat-10344	316	15	generalizability	generalizability	NOUN
easat-10344	316	16	of	of	ADP
easat-10344	316	17	credit	credit	NOUN
easat-10344	316	18	risk	risk	NOUN
easat-10344	316	19	models	model	NOUN
easat-10344	316	20	.	.	PUNCT
easat-10344	317	1	data	datum	NOUN
easat-10344	317	2	quality	quality	NOUN
easat-10344	317	3	has	have	VERB
easat-10344	317	4	direct	direct	ADJ
easat-10344	317	5	implications	implication	NOUN
easat-10344	317	6	for	for	ADP
easat-10344	317	7	model	model	NOUN
easat-10344	317	8	predictive	predictive	ADJ
easat-10344	317	9	accuracy	accuracy	NOUN
easat-10344	317	10	and	and	CCONJ
easat-10344	317	11	credit	credit	NOUN
easat-10344	317	12	risk	risk	NOUN
easat-10344	317	13	model	model	NOUN
easat-10344	317	14	generalizability	generalizability	NOUN
easat-10344	317	15	.	.	PUNCT
easat-10344	318	1	emphasis	emphasis	NOUN
easat-10344	318	2	placed	place	VERB
easat-10344	318	3	on	on	ADP
easat-10344	318	4	data	datum	NOUN
easat-10344	318	5	preprocessing	preprocessing	NOUN
easat-10344	318	6	in	in	ADP
easat-10344	318	7	the	the	DET
easat-10344	318	8	study	study	NOUN
easat-10344	318	9	supports	support	VERB
easat-10344	318	10	this	this	DET
easat-10344	318	11	hypothesis	hypothesis	NOUN
easat-10344	318	12	.	.	PUNCT
easat-10344	319	1	missing	miss	VERB
easat-10344	319	2	value	value	NOUN
easat-10344	319	3	handling	handling	NOUN
easat-10344	319	4	,	,	PUNCT
easat-10344	319	5	normalization	normalization	NOUN
easat-10344	319	6	,	,	PUNCT
easat-10344	319	7	and	and	CCONJ
easat-10344	319	8	de	de	NOUN
easat-10344	319	9	-	-	NOUN
easat-10344	319	10	duplication	duplication	NOUN
easat-10344	319	11	were	be	AUX
easat-10344	319	12	critical	critical	ADJ
easat-10344	319	13	to	to	PART
easat-10344	319	14	guarantee	guarantee	VERB
easat-10344	319	15	model	model	NOUN
easat-10344	319	16	stability	stability	NOUN
easat-10344	319	17	.	.	PUNCT
easat-10344	320	1	poorquality	poorquality	NOUN
easat-10344	320	2	data	datum	NOUN
easat-10344	320	3	could	could	AUX
easat-10344	320	4	have	have	AUX
easat-10344	320	5	introduced	introduce	VERB
easat-10344	320	6	bias	bias	NOUN
easat-10344	320	7	or	or	CCONJ
easat-10344	320	8	jeopardized	jeopardize	VERB
easat-10344	320	9	generalizability	generalizability	NOUN
easat-10344	320	10	.	.	PUNCT
easat-10344	321	1	ellouze	ellouze	PROPN
easat-10344	322	1	[	[	X
easat-10344	322	2	14	14	NUM
easat-10344	322	3	]	]	PUNCT
easat-10344	322	4	refers	refer	VERB
easat-10344	322	5	in	in	ADP
easat-10344	322	6	her	her	PRON
easat-10344	322	7	credit	credit	NOUN
easat-10344	322	8	risk	risk	NOUN
easat-10344	322	9	prediction	prediction	NOUN
easat-10344	322	10	using	use	VERB
easat-10344	322	11	behavioral	behavioral	ADJ
easat-10344	322	12	characteristics	characteristic	NOUN
easat-10344	322	13	in	in	ADP
easat-10344	322	14	an	an	DET
easat-10344	322	15	ai	ai	ADJ
easat-10344	322	16	chatbot	chatbot	NOUN
easat-10344	322	17	environment	environment	NOUN
easat-10344	322	18	,	,	PUNCT
easat-10344	322	19	that	that	SCONJ
easat-10344	322	20	precise	precise	ADJ
easat-10344	322	21	data	datum	NOUN
easat-10344	322	22	102	102	NUM
easat-10344	322	23	edelweiss	edelweiss	PROPN
easat-10344	322	24	applied	apply	VERB
easat-10344	322	25	science	science	NOUN
easat-10344	322	26	and	and	CCONJ
easat-10344	322	27	technology	technology	NOUN
easat-10344	322	28	issn	issn	PROPN
easat-10344	322	29	:	:	PUNCT
easat-10344	322	30	2576	2576	NUM
easat-10344	322	31	-	-	SYM
easat-10344	322	32	8484	8484	NUM
easat-10344	322	33	vol	vol	NOUN
easat-10344	322	34	.	.	PROPN
easat-10344	323	1	9	9	NUM
easat-10344	323	2	,	,	PUNCT
easat-10344	323	3	no	no	INTJ
easat-10344	323	4	.	.	NOUN
easat-10344	323	5	10	10	NUM
easat-10344	323	6	:	:	PUNCT
easat-10344	323	7	83	83	NUM
easat-10344	323	8	-	-	SYM
easat-10344	323	9	103	103	NUM
easat-10344	323	10	,	,	PUNCT
easat-10344	323	11	2025	2025	NUM
easat-10344	323	12	doi	doi	NOUN
easat-10344	323	13	:	:	PUNCT
easat-10344	323	14	10.55214/2576	10.55214/2576	NUM
easat-10344	323	15	-	-	PUNCT
easat-10344	323	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	323	17	©	©	PROPN
easat-10344	323	18	2025	2025	NUM
easat-10344	323	19	by	by	ADP
easat-10344	323	20	the	the	DET
easat-10344	323	21	authors	author	NOUN
easat-10344	323	22	;	;	PUNCT
easat-10344	323	23	licensee	licensee	PROPN
easat-10344	323	24	learning	learn	VERB
easat-10344	323	25	gate	gate	NOUN
easat-10344	323	26	preprocessing	preprocessing	NOUN
easat-10344	323	27	exerts	exert	VERB
easat-10344	323	28	an	an	DET
easat-10344	323	29	impressive	impressive	ADJ
easat-10344	323	30	impact	impact	NOUN
easat-10344	323	31	on	on	ADP
easat-10344	323	32	the	the	DET
easat-10344	323	33	performance	performance	NOUN
easat-10344	323	34	and	and	CCONJ
easat-10344	323	35	accuracy	accuracy	NOUN
easat-10344	323	36	of	of	ADP
easat-10344	323	37	models	model	NOUN
easat-10344	323	38	.	.	PUNCT
easat-10344	324	1	the	the	DET
easat-10344	324	2	study	study	NOUN
easat-10344	324	3	reveals	reveal	VERB
easat-10344	324	4	that	that	SCONJ
easat-10344	324	5	implementing	implement	VERB
easat-10344	324	6	such	such	ADJ
easat-10344	324	7	data	datum	NOUN
easat-10344	324	8	preprocessing	preprocessing	NOUN
easat-10344	324	9	processes	process	NOUN
easat-10344	324	10	is	be	AUX
easat-10344	324	11	crucial	crucial	ADJ
easat-10344	324	12	in	in	ADP
easat-10344	324	13	attaining	attain	VERB
easat-10344	324	14	correct	correct	ADJ
easat-10344	324	15	credit	credit	NOUN
easat-10344	324	16	risk	risk	NOUN
easat-10344	324	17	predictions	prediction	NOUN
easat-10344	324	18	,	,	PUNCT
easat-10344	324	19	particularly	particularly	ADV
easat-10344	324	20	in	in	ADP
easat-10344	324	21	utilizing	utilize	VERB
easat-10344	324	22	ai	ai	NOUN
easat-10344	324	23	-	-	PUNCT
easat-10344	324	24	based	base	VERB
easat-10344	324	25	applications	application	NOUN
easat-10344	324	26	.	.	PUNCT
easat-10344	325	1	gu	gu	NOUN
easat-10344	325	2	et	et	PROPN
easat-10344	325	3	al	al	PROPN
easat-10344	325	4	.	.	PUNCT
easat-10344	326	1	[	[	X
easat-10344	326	2	9	9	NUM
easat-10344	326	3	]	]	PUNCT
easat-10344	326	4	also	also	ADV
easat-10344	326	5	underscored	underscore	VERB
easat-10344	326	6	that	that	SCONJ
easat-10344	326	7	probabilistic	probabilistic	ADJ
easat-10344	326	8	models	model	NOUN
easat-10344	326	9	,	,	PUNCT
easat-10344	326	10	despite	despite	SCONJ
easat-10344	326	11	being	be	AUX
easat-10344	326	12	robust	robust	ADJ
easat-10344	326	13	,	,	PUNCT
easat-10344	326	14	are	be	AUX
easat-10344	326	15	sensitive	sensitive	ADJ
easat-10344	326	16	to	to	ADP
easat-10344	326	17	the	the	DET
easat-10344	326	18	quality	quality	NOUN
easat-10344	326	19	of	of	ADP
easat-10344	326	20	input	input	NOUN
easat-10344	326	21	data	datum	NOUN
easat-10344	326	22	.	.	PUNCT
easat-10344	327	1	the	the	DET
easat-10344	327	2	research	research	NOUN
easat-10344	327	3	shows	show	VERB
easat-10344	327	4	that	that	SCONJ
easat-10344	327	5	effectively	effectively	ADV
easat-10344	327	6	prepared	prepare	VERB
easat-10344	327	7	data	datum	NOUN
easat-10344	327	8	are	be	AUX
easat-10344	327	9	a	a	DET
easat-10344	327	10	prerequisite	prerequisite	NOUN
easat-10344	327	11	for	for	ADP
easat-10344	327	12	valid	valid	ADJ
easat-10344	327	13	and	and	CCONJ
easat-10344	327	14	operational	operational	ADJ
easat-10344	327	15	forecasts	forecast	NOUN
easat-10344	327	16	,	,	PUNCT
easat-10344	327	17	especially	especially	ADV
easat-10344	327	18	in	in	ADP
easat-10344	327	19	regulated	regulated	ADJ
easat-10344	327	20	and	and	CCONJ
easat-10344	327	21	high	high	ADJ
easat-10344	327	22	-	-	PUNCT
easat-10344	327	23	stakes	stake	NOUN
easat-10344	327	24	settings	setting	NOUN
easat-10344	327	25	like	like	ADP
easat-10344	327	26	credit	credit	NOUN
easat-10344	327	27	assessment	assessment	NOUN
easat-10344	327	28	.	.	PUNCT
easat-10344	328	1	6	6	X
easat-10344	328	2	.	.	X
easat-10344	328	3	conclusion	conclusion	VERB
easat-10344	328	4	the	the	DET
easat-10344	328	5	integration	integration	NOUN
easat-10344	328	6	of	of	ADP
easat-10344	328	7	bayesian	bayesian	NOUN
easat-10344	328	8	modeling	modeling	NOUN
easat-10344	328	9	into	into	ADP
easat-10344	328	10	credit	credit	NOUN
easat-10344	328	11	risk	risk	NOUN
easat-10344	328	12	prediction	prediction	NOUN
easat-10344	328	13	marks	mark	VERB
easat-10344	328	14	a	a	DET
easat-10344	328	15	significant	significant	ADJ
easat-10344	328	16	advancement	advancement	NOUN
easat-10344	328	17	in	in	ADP
easat-10344	328	18	both	both	DET
easat-10344	328	19	forecasting	forecasting	NOUN
easat-10344	328	20	accuracy	accuracy	NOUN
easat-10344	328	21	and	and	CCONJ
easat-10344	328	22	strategic	strategic	ADJ
easat-10344	328	23	financial	financial	ADJ
easat-10344	328	24	decision	decision	NOUN
easat-10344	328	25	-	-	PUNCT
easat-10344	328	26	making	making	NOUN
easat-10344	328	27	.	.	PUNCT
easat-10344	329	1	unlike	unlike	ADP
easat-10344	329	2	traditional	traditional	ADJ
easat-10344	329	3	models	model	NOUN
easat-10344	329	4	that	that	PRON
easat-10344	329	5	yield	yield	VERB
easat-10344	329	6	deterministic	deterministic	ADJ
easat-10344	329	7	outputs	output	NOUN
easat-10344	329	8	,	,	PUNCT
easat-10344	329	9	bayesian	bayesian	NOUN
easat-10344	329	10	approaches	approach	NOUN
easat-10344	329	11	generate	generate	VERB
easat-10344	329	12	probabilistic	probabilistic	ADJ
easat-10344	329	13	predictions	prediction	NOUN
easat-10344	329	14	that	that	PRON
easat-10344	329	15	quantify	quantify	VERB
easat-10344	329	16	uncertainty	uncertainty	NOUN
easat-10344	329	17	as	as	ADP
easat-10344	329	18	an	an	DET
easat-10344	329	19	essential	essential	ADJ
easat-10344	329	20	feature	feature	NOUN
easat-10344	329	21	in	in	ADP
easat-10344	329	22	high	high	ADJ
easat-10344	329	23	-	-	PUNCT
easat-10344	329	24	stakes	stake	NOUN
easat-10344	329	25	domains	domain	NOUN
easat-10344	329	26	such	such	ADJ
easat-10344	329	27	as	as	ADP
easat-10344	329	28	lending	lending	NOUN
easat-10344	329	29	and	and	CCONJ
easat-10344	329	30	credit	credit	NOUN
easat-10344	329	31	evaluation	evaluation	NOUN
easat-10344	329	32	.	.	PUNCT
easat-10344	330	1	this	this	PRON
easat-10344	330	2	enables	enable	VERB
easat-10344	330	3	financial	financial	ADJ
easat-10344	330	4	institutions	institution	NOUN
easat-10344	330	5	to	to	PART
easat-10344	330	6	move	move	VERB
easat-10344	330	7	beyond	beyond	ADP
easat-10344	330	8	binary	binary	ADJ
easat-10344	330	9	approval	approval	NOUN
easat-10344	330	10	/	/	SYM
easat-10344	330	11	rejection	rejection	NOUN
easat-10344	330	12	decisions	decision	NOUN
easat-10344	330	13	and	and	CCONJ
easat-10344	330	14	adopt	adopt	VERB
easat-10344	330	15	more	more	ADV
easat-10344	330	16	nuanced	nuanced	ADJ
easat-10344	330	17	,	,	PUNCT
easat-10344	330	18	riskaware	riskaware	NOUN
easat-10344	330	19	strategies	strategy	NOUN
easat-10344	330	20	.	.	PUNCT
easat-10344	331	1	this	this	DET
easat-10344	331	2	study	study	NOUN
easat-10344	331	3	explored	explore	VERB
easat-10344	331	4	two	two	NUM
easat-10344	331	5	complementary	complementary	ADJ
easat-10344	331	6	bayesian	bayesian	NOUN
easat-10344	331	7	model	model	NOUN
easat-10344	331	8	classes	class	NOUN
easat-10344	331	9	:	:	PUNCT
easat-10344	331	10	the	the	DET
easat-10344	331	11	gaussian	gaussian	ADJ
easat-10344	331	12	naive	naive	ADJ
easat-10344	331	13	bayes	bayes	PROPN
easat-10344	331	14	classifier	classifier	NOUN
easat-10344	331	15	,	,	PUNCT
easat-10344	331	16	valued	value	VERB
easat-10344	331	17	for	for	ADP
easat-10344	331	18	its	its	PRON
easat-10344	331	19	simplicity	simplicity	NOUN
easat-10344	331	20	and	and	CCONJ
easat-10344	331	21	interpretability	interpretability	NOUN
easat-10344	331	22	,	,	PUNCT
easat-10344	331	23	and	and	CCONJ
easat-10344	331	24	bayesian	bayesian	NOUN
easat-10344	331	25	neural	neural	ADJ
easat-10344	331	26	networks	network	NOUN
easat-10344	331	27	(	(	PUNCT
easat-10344	331	28	bnns	bnns	ADJ
easat-10344	331	29	)	)	PUNCT
easat-10344	331	30	,	,	PUNCT
easat-10344	331	31	known	know	VERB
easat-10344	331	32	for	for	ADP
easat-10344	331	33	their	their	PRON
easat-10344	331	34	robust	robust	ADJ
easat-10344	331	35	probabilistic	probabilistic	ADJ
easat-10344	331	36	reasoning	reasoning	NOUN
easat-10344	331	37	and	and	CCONJ
easat-10344	331	38	uncertainty	uncertainty	NOUN
easat-10344	331	39	quantification	quantification	NOUN
easat-10344	331	40	.	.	PUNCT
easat-10344	332	1	our	our	PRON
easat-10344	332	2	findings	finding	NOUN
easat-10344	332	3	demonstrate	demonstrate	VERB
easat-10344	332	4	the	the	DET
easat-10344	332	5	practical	practical	ADJ
easat-10344	332	6	utility	utility	NOUN
easat-10344	332	7	of	of	ADP
easat-10344	332	8	both	both	DET
easat-10344	332	9	models	model	NOUN
easat-10344	332	10	,	,	PUNCT
easat-10344	332	11	with	with	ADP
easat-10344	332	12	naive	naive	ADJ
easat-10344	332	13	bayes	baye	NOUN
easat-10344	332	14	serving	serve	VERB
easat-10344	332	15	as	as	ADP
easat-10344	332	16	a	a	DET
easat-10344	332	17	solid	solid	ADJ
easat-10344	332	18	baseline	baseline	NOUN
easat-10344	332	19	and	and	CCONJ
easat-10344	332	20	bnns	bnn	NOUN
easat-10344	332	21	delivering	deliver	VERB
easat-10344	332	22	superior	superior	ADJ
easat-10344	332	23	predictive	predictive	ADJ
easat-10344	332	24	performance	performance	NOUN
easat-10344	332	25	and	and	CCONJ
easat-10344	332	26	richer	rich	ADJ
easat-10344	332	27	,	,	PUNCT
easat-10344	332	28	more	more	ADV
easat-10344	332	29	informative	informative	ADJ
easat-10344	332	30	outputs	output	NOUN
easat-10344	332	31	.	.	PUNCT
easat-10344	333	1	a	a	DET
easat-10344	333	2	key	key	ADJ
easat-10344	333	3	contribution	contribution	NOUN
easat-10344	333	4	to	to	ADP
easat-10344	333	5	this	this	DET
easat-10344	333	6	research	research	NOUN
easat-10344	333	7	was	be	AUX
easat-10344	333	8	the	the	DET
easat-10344	333	9	segmentation	segmentation	NOUN
easat-10344	333	10	of	of	ADP
easat-10344	333	11	clients	client	NOUN
easat-10344	333	12	based	base	VERB
easat-10344	333	13	on	on	ADP
easat-10344	333	14	their	their	PRON
easat-10344	333	15	predicted	predict	VERB
easat-10344	333	16	default	default	NOUN
easat-10344	333	17	probabilities	probability	NOUN
easat-10344	333	18	.	.	PUNCT
easat-10344	334	1	this	this	DET
easat-10344	334	2	approach	approach	NOUN
easat-10344	334	3	allowed	allow	VERB
easat-10344	334	4	institutions	institution	NOUN
easat-10344	334	5	to	to	PART
easat-10344	334	6	tailor	tailor	VERB
easat-10344	334	7	credit	credit	NOUN
easat-10344	334	8	strategies	strategy	NOUN
easat-10344	334	9	by	by	ADP
easat-10344	334	10	adjusting	adjust	VERB
easat-10344	334	11	interest	interest	NOUN
easat-10344	334	12	rates	rate	NOUN
easat-10344	334	13	,	,	PUNCT
easat-10344	334	14	collateral	collateral	ADJ
easat-10344	334	15	requirements	requirement	NOUN
easat-10344	334	16	,	,	PUNCT
easat-10344	334	17	or	or	CCONJ
easat-10344	334	18	approval	approval	NOUN
easat-10344	334	19	thresholds	threshold	NOUN
easat-10344	334	20	according	accord	VERB
easat-10344	334	21	to	to	ADP
easat-10344	334	22	each	each	DET
easat-10344	334	23	applicant	applicant	NOUN
easat-10344	334	24	’s	’s	PART
easat-10344	334	25	risk	risk	NOUN
easat-10344	334	26	profile	profile	NOUN
easat-10344	334	27	.	.	PUNCT
easat-10344	335	1	such	such	ADJ
easat-10344	335	2	personalization	personalization	NOUN
easat-10344	335	3	not	not	PART
easat-10344	335	4	only	only	ADV
easat-10344	335	5	enhances	enhance	VERB
easat-10344	335	6	profitability	profitability	NOUN
easat-10344	335	7	through	through	ADP
easat-10344	335	8	optimized	optimize	VERB
easat-10344	335	9	credit	credit	NOUN
easat-10344	335	10	allocation	allocation	NOUN
easat-10344	335	11	but	but	CCONJ
easat-10344	335	12	also	also	ADV
easat-10344	335	13	reduces	reduce	VERB
easat-10344	335	14	default	default	NOUN
easat-10344	335	15	risk	risk	NOUN
easat-10344	335	16	by	by	ADP
easat-10344	335	17	enabling	enable	VERB
easat-10344	335	18	more	more	ADV
easat-10344	335	19	informed	informed	ADJ
easat-10344	335	20	lending	lending	NOUN
easat-10344	335	21	decisions	decision	NOUN
easat-10344	335	22	.	.	PUNCT
easat-10344	336	1	the	the	DET
easat-10344	336	2	study	study	NOUN
easat-10344	336	3	also	also	ADV
easat-10344	336	4	emphasized	emphasize	VERB
easat-10344	336	5	the	the	DET
easat-10344	336	6	importance	importance	NOUN
easat-10344	336	7	of	of	ADP
easat-10344	336	8	incorporating	incorporate	VERB
easat-10344	336	9	financial	financial	ADJ
easat-10344	336	10	ratios	ratio	NOUN
easat-10344	336	11	such	such	ADJ
easat-10344	336	12	as	as	ADP
easat-10344	336	13	debt	debt	NOUN
easat-10344	336	14	-	-	PUNCT
easat-10344	336	15	to	to	ADP
easat-10344	336	16	-	-	PUNCT
easat-10344	336	17	income	income	NOUN
easat-10344	336	18	and	and	CCONJ
easat-10344	336	19	installment	installment	NOUN
easat-10344	336	20	-	-	PUNCT
easat-10344	336	21	to	to	ADP
easat-10344	336	22	-	-	PUNCT
easat-10344	336	23	income	income	NOUN
easat-10344	336	24	,	,	PUNCT
easat-10344	336	25	which	which	PRON
easat-10344	336	26	proved	prove	VERB
easat-10344	336	27	to	to	PART
easat-10344	336	28	be	be	AUX
easat-10344	336	29	strong	strong	ADJ
easat-10344	336	30	predictors	predictor	NOUN
easat-10344	336	31	of	of	ADP
easat-10344	336	32	default	default	NOUN
easat-10344	336	33	behavior	behavior	NOUN
easat-10344	336	34	.	.	PUNCT
easat-10344	337	1	despite	despite	SCONJ
easat-10344	337	2	some	some	DET
easat-10344	337	3	missing	miss	VERB
easat-10344	337	4	data	datum	NOUN
easat-10344	337	5	,	,	PUNCT
easat-10344	337	6	the	the	DET
easat-10344	337	7	available	available	ADJ
easat-10344	337	8	ratios	ratio	NOUN
easat-10344	337	9	significantly	significantly	ADV
easat-10344	337	10	improved	improve	VERB
easat-10344	337	11	model	model	NOUN
easat-10344	337	12	performance	performance	NOUN
easat-10344	337	13	and	and	CCONJ
easat-10344	337	14	interpretability	interpretability	NOUN
easat-10344	337	15	.	.	PUNCT
easat-10344	338	1	furthermore	furthermore	ADV
easat-10344	338	2	,	,	PUNCT
easat-10344	338	3	the	the	DET
easat-10344	338	4	probabilistic	probabilistic	ADJ
easat-10344	338	5	outputs	output	NOUN
easat-10344	338	6	of	of	ADP
easat-10344	338	7	bayesian	bayesian	NOUN
easat-10344	338	8	models	model	NOUN
easat-10344	338	9	support	support	VERB
easat-10344	338	10	enhanced	enhanced	ADJ
easat-10344	338	11	scenario	scenario	NOUN
easat-10344	338	12	analysis	analysis	NOUN
easat-10344	338	13	,	,	PUNCT
easat-10344	338	14	stress	stress	NOUN
easat-10344	338	15	testing	testing	NOUN
easat-10344	338	16	,	,	PUNCT
easat-10344	338	17	and	and	CCONJ
easat-10344	338	18	regulatory	regulatory	ADJ
easat-10344	338	19	compliance	compliance	NOUN
easat-10344	338	20	.	.	PUNCT
easat-10344	339	1	by	by	ADP
easat-10344	339	2	combining	combine	VERB
easat-10344	339	3	meticulous	meticulous	ADJ
easat-10344	339	4	data	datum	NOUN
easat-10344	339	5	preprocessing	preprocessing	NOUN
easat-10344	339	6	,	,	PUNCT
easat-10344	339	7	rigorous	rigorous	ADJ
easat-10344	339	8	theoretical	theoretical	ADJ
easat-10344	339	9	modeling	modeling	NOUN
easat-10344	339	10	,	,	PUNCT
easat-10344	339	11	and	and	CCONJ
easat-10344	339	12	sound	sound	ADJ
easat-10344	339	13	business	business	NOUN
easat-10344	339	14	judgment	judgment	NOUN
easat-10344	339	15	,	,	PUNCT
easat-10344	339	16	this	this	DET
easat-10344	339	17	research	research	NOUN
easat-10344	339	18	demonstrates	demonstrate	VERB
easat-10344	339	19	how	how	SCONJ
easat-10344	339	20	bayesian	bayesian	NOUN
easat-10344	339	21	techniques	technique	NOUN
easat-10344	339	22	can	can	AUX
easat-10344	339	23	produce	produce	VERB
easat-10344	339	24	credit	credit	NOUN
easat-10344	339	25	scoring	scoring	NOUN
easat-10344	339	26	systems	system	NOUN
easat-10344	339	27	that	that	PRON
easat-10344	339	28	are	be	AUX
easat-10344	339	29	both	both	PRON
easat-10344	339	30	operationally	operationally	ADV
easat-10344	339	31	effective	effective	ADJ
easat-10344	339	32	and	and	CCONJ
easat-10344	339	33	transparent	transparent	ADJ
easat-10344	339	34	.	.	PUNCT
easat-10344	340	1	future	future	ADJ
easat-10344	340	2	work	work	NOUN
easat-10344	340	3	may	may	AUX
easat-10344	340	4	extend	extend	VERB
easat-10344	340	5	these	these	DET
easat-10344	340	6	systems	system	NOUN
easat-10344	340	7	to	to	ADP
easat-10344	340	8	real	real	ADJ
easat-10344	340	9	-	-	PUNCT
easat-10344	340	10	time	time	NOUN
easat-10344	340	11	credit	credit	NOUN
easat-10344	340	12	scoring	scoring	NOUN
easat-10344	340	13	from	from	ADP
easat-10344	340	14	streaming	stream	VERB
easat-10344	340	15	data	datum	NOUN
easat-10344	340	16	and	and	CCONJ
easat-10344	340	17	deploy	deploy	VERB
easat-10344	340	18	them	they	PRON
easat-10344	340	19	on	on	ADP
easat-10344	340	20	gdpr	gdpr	NOUN
easat-10344	340	21	-	-	PUNCT
easat-10344	340	22	compliant	compliant	NOUN
easat-10344	340	23	platforms	platform	NOUN
easat-10344	340	24	with	with	ADP
easat-10344	340	25	integrated	integrate	VERB
easat-10344	340	26	explainability	explainability	NOUN
easat-10344	340	27	tools	tool	NOUN
easat-10344	340	28	,	,	PUNCT
easat-10344	340	29	fostering	foster	VERB
easat-10344	340	30	greater	great	ADJ
easat-10344	340	31	accountability	accountability	NOUN
easat-10344	340	32	,	,	PUNCT
easat-10344	340	33	trust	trust	NOUN
easat-10344	340	34	,	,	PUNCT
easat-10344	340	35	and	and	CCONJ
easat-10344	340	36	responsiveness	responsiveness	NOUN
easat-10344	340	37	in	in	ADP
easat-10344	340	38	automated	automate	VERB
easat-10344	340	39	credit	credit	NOUN
easat-10344	340	40	evaluation	evaluation	NOUN
easat-10344	340	41	.	.	PUNCT
easat-10344	341	1	in	in	ADP
easat-10344	341	2	addition	addition	NOUN
easat-10344	341	3	to	to	ADP
easat-10344	341	4	its	its	PRON
easat-10344	341	5	technical	technical	ADJ
easat-10344	341	6	contributions	contribution	NOUN
easat-10344	341	7	,	,	PUNCT
easat-10344	341	8	this	this	DET
easat-10344	341	9	research	research	NOUN
easat-10344	341	10	offers	offer	VERB
easat-10344	341	11	important	important	ADJ
easat-10344	341	12	managerial	managerial	ADJ
easat-10344	341	13	implications	implication	NOUN
easat-10344	341	14	,	,	PUNCT
easat-10344	341	15	particularly	particularly	ADV
easat-10344	341	16	in	in	ADP
easat-10344	341	17	the	the	DET
easat-10344	341	18	field	field	NOUN
easat-10344	341	19	of	of	ADP
easat-10344	341	20	strategic	strategic	ADJ
easat-10344	341	21	marketing	marketing	NOUN
easat-10344	341	22	.	.	PUNCT
easat-10344	342	1	segmenting	segment	VERB
easat-10344	342	2	clients	client	NOUN
easat-10344	342	3	based	base	VERB
easat-10344	342	4	on	on	ADP
easat-10344	342	5	their	their	PRON
easat-10344	342	6	predicted	predict	VERB
easat-10344	342	7	default	default	NOUN
easat-10344	342	8	probabilities	probability	NOUN
easat-10344	342	9	not	not	PART
easat-10344	342	10	only	only	ADV
easat-10344	342	11	optimizes	optimize	VERB
easat-10344	342	12	credit	credit	NOUN
easat-10344	342	13	decision	decision	NOUN
easat-10344	342	14	-	-	PUNCT
easat-10344	342	15	making	making	NOUN
easat-10344	342	16	but	but	CCONJ
easat-10344	342	17	also	also	ADV
easat-10344	342	18	enables	enable	VERB
easat-10344	342	19	the	the	DET
easat-10344	342	20	personalization	personalization	NOUN
easat-10344	342	21	of	of	ADP
easat-10344	342	22	marketing	marketing	NOUN
easat-10344	342	23	offers	offer	NOUN
easat-10344	342	24	according	accord	VERB
easat-10344	342	25	to	to	ADP
easat-10344	342	26	each	each	DET
easat-10344	342	27	risk	risk	NOUN
easat-10344	342	28	profile	profile	NOUN
easat-10344	342	29	.	.	PUNCT
easat-10344	343	1	financial	financial	ADJ
easat-10344	343	2	institutions	institution	NOUN
easat-10344	343	3	can	can	AUX
easat-10344	343	4	thus	thus	ADV
easat-10344	343	5	develop	develop	VERB
easat-10344	343	6	targeted	targeted	ADJ
easat-10344	343	7	campaigns	campaign	NOUN
easat-10344	343	8	,	,	PUNCT
easat-10344	343	9	tailor	tailor	NOUN
easat-10344	343	10	promotional	promotional	ADJ
easat-10344	343	11	messages	message	NOUN
easat-10344	343	12	,	,	PUNCT
easat-10344	343	13	and	and	CCONJ
easat-10344	343	14	offer	offer	VERB
easat-10344	343	15	financial	financial	ADJ
easat-10344	343	16	products	product	NOUN
easat-10344	343	17	that	that	PRON
easat-10344	343	18	are	be	AUX
easat-10344	343	19	better	well	ADV
easat-10344	343	20	aligned	align	VERB
easat-10344	343	21	with	with	ADP
easat-10344	343	22	each	each	DET
easat-10344	343	23	segment	segment	NOUN
easat-10344	343	24	,	,	PUNCT
easat-10344	343	25	thereby	thereby	ADV
easat-10344	343	26	enhancing	enhance	VERB
easat-10344	343	27	customer	customer	NOUN
easat-10344	343	28	satisfaction	satisfaction	NOUN
easat-10344	343	29	and	and	CCONJ
easat-10344	343	30	loyalty	loyalty	NOUN
easat-10344	343	31	.	.	PUNCT
easat-10344	344	1	this	this	DET
easat-10344	344	2	approach	approach	NOUN
easat-10344	344	3	supports	support	VERB
easat-10344	344	4	more	more	ADV
easat-10344	344	5	efficient	efficient	ADJ
easat-10344	344	6	allocation	allocation	NOUN
easat-10344	344	7	of	of	ADP
easat-10344	344	8	marketing	marketing	NOUN
easat-10344	344	9	resources	resource	NOUN
easat-10344	344	10	by	by	ADP
easat-10344	344	11	focusing	focus	VERB
easat-10344	344	12	efforts	effort	NOUN
easat-10344	344	13	on	on	ADP
easat-10344	344	14	the	the	DET
easat-10344	344	15	most	most	ADV
easat-10344	344	16	profitable	profitable	ADJ
easat-10344	344	17	or	or	CCONJ
easat-10344	344	18	promising	promising	ADJ
easat-10344	344	19	segments	segment	NOUN
easat-10344	344	20	.	.	PUNCT
easat-10344	345	1	it	it	PRON
easat-10344	345	2	also	also	ADV
easat-10344	345	3	allows	allow	VERB
easat-10344	345	4	institutions	institution	NOUN
easat-10344	345	5	to	to	PART
easat-10344	345	6	anticipate	anticipate	VERB
easat-10344	345	7	customer	customer	NOUN
easat-10344	345	8	behavior	behavior	NOUN
easat-10344	345	9	and	and	CCONJ
easat-10344	345	10	implement	implement	VERB
easat-10344	345	11	retention	retention	NOUN
easat-10344	345	12	or	or	CCONJ
easat-10344	345	13	risk	risk	NOUN
easat-10344	345	14	mitigation	mitigation	NOUN
easat-10344	345	15	strategies	strategy	NOUN
easat-10344	345	16	.	.	PUNCT
easat-10344	346	1	by	by	ADP
easat-10344	346	2	integrating	integrate	VERB
easat-10344	346	3	insights	insight	NOUN
easat-10344	346	4	from	from	ADP
easat-10344	346	5	bayesian	bayesian	NOUN
easat-10344	346	6	models	model	NOUN
easat-10344	346	7	into	into	ADP
easat-10344	346	8	crm	crm	NOUN
easat-10344	346	9	systems	system	NOUN
easat-10344	346	10	and	and	CCONJ
easat-10344	346	11	marketing	marketing	NOUN
easat-10344	346	12	automation	automation	NOUN
easat-10344	346	13	platforms	platform	NOUN
easat-10344	346	14	,	,	PUNCT
easat-10344	346	15	organizations	organization	NOUN
easat-10344	346	16	can	can	AUX
easat-10344	346	17	improve	improve	VERB
easat-10344	346	18	responsiveness	responsiveness	NOUN
easat-10344	346	19	,	,	PUNCT
easat-10344	346	20	relevance	relevance	NOUN
easat-10344	346	21	,	,	PUNCT
easat-10344	346	22	and	and	CCONJ
easat-10344	346	23	operational	operational	ADJ
easat-10344	346	24	efficiency	efficiency	NOUN
easat-10344	346	25	.	.	PUNCT
easat-10344	347	1	beyond	beyond	ADP
easat-10344	347	2	credit	credit	NOUN
easat-10344	347	3	risk	risk	NOUN
easat-10344	347	4	management	management	NOUN
easat-10344	347	5	,	,	PUNCT
easat-10344	347	6	the	the	DET
easat-10344	347	7	client	client	NOUN
easat-10344	347	8	segmentation	segmentation	NOUN
easat-10344	347	9	enabled	enable	VERB
easat-10344	347	10	by	by	ADP
easat-10344	347	11	bayesian	bayesian	NOUN
easat-10344	347	12	modeling	modeling	NOUN
easat-10344	347	13	holds	hold	VERB
easat-10344	347	14	substantial	substantial	ADJ
easat-10344	347	15	value	value	NOUN
easat-10344	347	16	for	for	ADP
easat-10344	347	17	marketing	marketing	NOUN
easat-10344	347	18	and	and	CCONJ
easat-10344	347	19	customer	customer	NOUN
easat-10344	347	20	relationship	relationship	NOUN
easat-10344	347	21	strategies	strategy	NOUN
easat-10344	347	22	.	.	PUNCT
easat-10344	348	1	by	by	ADP
easat-10344	348	2	identifying	identify	VERB
easat-10344	348	3	distinct	distinct	ADJ
easat-10344	348	4	risk	risk	NOUN
easat-10344	348	5	profiles	profile	NOUN
easat-10344	348	6	,	,	PUNCT
easat-10344	348	7	financial	financial	ADJ
easat-10344	348	8	institutions	institution	NOUN
easat-10344	348	9	can	can	AUX
easat-10344	348	10	design	design	VERB
easat-10344	348	11	tailored	tailor	VERB
easat-10344	348	12	marketing	marketing	NOUN
easat-10344	348	13	campaigns	campaign	NOUN
easat-10344	348	14	that	that	PRON
easat-10344	348	15	align	align	VERB
easat-10344	348	16	with	with	ADP
easat-10344	348	17	the	the	DET
easat-10344	348	18	financial	financial	ADJ
easat-10344	348	19	behavior	behavior	NOUN
easat-10344	348	20	and	and	CCONJ
easat-10344	348	21	needs	need	NOUN
easat-10344	348	22	of	of	ADP
easat-10344	348	23	each	each	DET
easat-10344	348	24	segment	segment	NOUN
easat-10344	348	25	.	.	PUNCT
easat-10344	349	1	for	for	ADP
easat-10344	349	2	instance	instance	NOUN
easat-10344	349	3	,	,	PUNCT
easat-10344	349	4	low	low	ADJ
easat-10344	349	5	-	-	PUNCT
easat-10344	349	6	risk	risk	NOUN
easat-10344	349	7	clients	client	NOUN
easat-10344	349	8	may	may	AUX
easat-10344	349	9	be	be	AUX
easat-10344	349	10	103	103	NUM
easat-10344	349	11	edelweiss	edelweiss	PROPN
easat-10344	349	12	applied	apply	VERB
easat-10344	349	13	science	science	NOUN
easat-10344	349	14	and	and	CCONJ
easat-10344	349	15	technology	technology	NOUN
easat-10344	349	16	issn	issn	PROPN
easat-10344	349	17	:	:	PUNCT
easat-10344	349	18	2576	2576	NUM
easat-10344	349	19	-	-	SYM
easat-10344	349	20	8484	8484	NUM
easat-10344	349	21	vol	vol	NOUN
easat-10344	349	22	.	.	PROPN
easat-10344	350	1	9	9	NUM
easat-10344	350	2	,	,	PUNCT
easat-10344	350	3	no	no	INTJ
easat-10344	350	4	.	.	NOUN
easat-10344	350	5	10	10	NUM
easat-10344	350	6	:	:	PUNCT
easat-10344	350	7	83	83	NUM
easat-10344	350	8	-	-	SYM
easat-10344	350	9	103	103	NUM
easat-10344	350	10	,	,	PUNCT
easat-10344	350	11	2025	2025	NUM
easat-10344	350	12	doi	doi	NOUN
easat-10344	350	13	:	:	PUNCT
easat-10344	350	14	10.55214/2576	10.55214/2576	NUM
easat-10344	350	15	-	-	PUNCT
easat-10344	350	16	8484.v9i10.10344	8484.v9i10.10344	NUM
easat-10344	350	17	©	©	PROPN
easat-10344	350	18	2025	2025	NUM
easat-10344	350	19	by	by	ADP
easat-10344	350	20	the	the	DET
easat-10344	350	21	authors	author	NOUN
easat-10344	350	22	;	;	PUNCT
easat-10344	350	23	licensee	licensee	PROPN
easat-10344	350	24	learning	learn	VERB
easat-10344	350	25	gate	gate	PROPN
easat-10344	350	26	offered	offer	VERB
easat-10344	350	27	premium	premium	NOUN
easat-10344	350	28	financial	financial	ADJ
easat-10344	350	29	products	product	NOUN
easat-10344	350	30	with	with	ADP
easat-10344	350	31	favorable	favorable	ADJ
easat-10344	350	32	terms	term	NOUN
easat-10344	350	33	,	,	PUNCT
easat-10344	350	34	while	while	SCONJ
easat-10344	350	35	higher	high	ADJ
easat-10344	350	36	-	-	PUNCT
easat-10344	350	37	risk	risk	NOUN
easat-10344	350	38	segments	segment	NOUN
easat-10344	350	39	could	could	AUX
easat-10344	350	40	receive	receive	VERB
easat-10344	350	41	educational	educational	ADJ
easat-10344	350	42	content	content	NOUN
easat-10344	350	43	or	or	CCONJ
easat-10344	350	44	alternative	alternative	ADJ
easat-10344	350	45	financial	financial	ADJ
easat-10344	350	46	solutions	solution	NOUN
easat-10344	350	47	aimed	aim	VERB
easat-10344	350	48	at	at	ADP
easat-10344	350	49	improving	improve	VERB
easat-10344	350	50	creditworthiness	creditworthiness	NOUN
easat-10344	350	51	.	.	PUNCT
easat-10344	351	1	this	this	DET
easat-10344	351	2	targeted	target	VERB
easat-10344	351	3	approach	approach	NOUN
easat-10344	351	4	enhances	enhance	VERB
easat-10344	351	5	customer	customer	NOUN
easat-10344	351	6	engagement	engagement	NOUN
easat-10344	351	7	,	,	PUNCT
easat-10344	351	8	increases	increase	VERB
easat-10344	351	9	conversion	conversion	NOUN
easat-10344	351	10	rates	rate	NOUN
easat-10344	351	11	,	,	PUNCT
easat-10344	351	12	and	and	CCONJ
easat-10344	351	13	fosters	foster	VERB
easat-10344	351	14	long	long	ADJ
easat-10344	351	15	-	-	PUNCT
easat-10344	351	16	term	term	NOUN
easat-10344	351	17	loyalty	loyalty	NOUN
easat-10344	351	18	.	.	PUNCT
easat-10344	352	1	moreover	moreover	ADV
easat-10344	352	2	,	,	PUNCT
easat-10344	352	3	integrating	integrate	VERB
easat-10344	352	4	predictive	predictive	ADJ
easat-10344	352	5	insights	insight	NOUN
easat-10344	352	6	into	into	ADP
easat-10344	352	7	marketing	marketing	NOUN
easat-10344	352	8	analytics	analytic	NOUN
easat-10344	352	9	allows	allow	VERB
easat-10344	352	10	institutions	institution	NOUN
easat-10344	352	11	to	to	PART
easat-10344	352	12	anticipate	anticipate	VERB
easat-10344	352	13	customer	customer	NOUN
easat-10344	352	14	needs	need	NOUN
easat-10344	352	15	,	,	PUNCT
easat-10344	352	16	personalize	personalize	VERB
easat-10344	352	17	communication	communication	NOUN
easat-10344	352	18	,	,	PUNCT
easat-10344	352	19	and	and	CCONJ
easat-10344	352	20	allocate	allocate	VERB
easat-10344	352	21	resources	resource	NOUN
easat-10344	352	22	more	more	ADV
easat-10344	352	23	efficiently	efficiently	ADV
easat-10344	352	24	,	,	PUNCT
easat-10344	352	25	ultimately	ultimately	ADV
easat-10344	352	26	driving	drive	VERB
easat-10344	352	27	both	both	PRON
easat-10344	352	28	profitability	profitability	NOUN
easat-10344	352	29	and	and	CCONJ
easat-10344	352	30	customer	customer	NOUN
easat-10344	352	31	satisfaction	satisfaction	NOUN
easat-10344	352	32	.	.	PUNCT
easat-10344	353	1	transparency	transparency	NOUN
easat-10344	353	2	:	:	PUNCT
easat-10344	353	3	the	the	DET
easat-10344	353	4	authors	author	NOUN
easat-10344	353	5	confirm	confirm	VERB
easat-10344	353	6	that	that	SCONJ
easat-10344	353	7	the	the	DET
easat-10344	353	8	manuscript	manuscript	NOUN
easat-10344	353	9	is	be	AUX
easat-10344	353	10	an	an	DET
easat-10344	353	11	honest	honest	ADJ
easat-10344	353	12	,	,	PUNCT
easat-10344	353	13	accurate	accurate	ADJ
easat-10344	353	14	,	,	PUNCT
easat-10344	353	15	and	and	CCONJ
easat-10344	353	16	transparent	transparent	ADJ
easat-10344	353	17	account	account	NOUN
easat-10344	353	18	of	of	ADP
easat-10344	353	19	the	the	DET
easat-10344	353	20	study	study	NOUN
easat-10344	353	21	;	;	PUNCT
easat-10344	353	22	that	that	SCONJ
easat-10344	353	23	no	no	DET
easat-10344	353	24	vital	vital	ADJ
easat-10344	353	25	features	feature	NOUN
easat-10344	353	26	of	of	ADP
easat-10344	353	27	the	the	DET
easat-10344	353	28	study	study	NOUN
easat-10344	353	29	have	have	AUX
easat-10344	353	30	been	be	AUX
easat-10344	353	31	omitted	omit	VERB
easat-10344	353	32	;	;	PUNCT
easat-10344	353	33	and	and	CCONJ
easat-10344	353	34	that	that	SCONJ
easat-10344	353	35	any	any	DET
easat-10344	353	36	discrepancies	discrepancy	NOUN
easat-10344	353	37	from	from	ADP
easat-10344	353	38	the	the	DET
easat-10344	353	39	study	study	NOUN
easat-10344	353	40	as	as	SCONJ
easat-10344	353	41	planned	plan	VERB
easat-10344	353	42	have	have	AUX
easat-10344	353	43	been	be	AUX
easat-10344	353	44	explained	explain	VERB
easat-10344	353	45	.	.	PUNCT
easat-10344	354	1	this	this	DET
easat-10344	354	2	study	study	NOUN
easat-10344	354	3	followed	follow	VERB
easat-10344	354	4	all	all	DET
easat-10344	354	5	ethical	ethical	ADJ
easat-10344	354	6	practices	practice	NOUN
easat-10344	354	7	during	during	ADP
easat-10344	354	8	writing	writing	NOUN
easat-10344	354	9	.	.	PUNCT
easat-10344	355	1	copyright	copyright	NOUN
easat-10344	355	2	:	:	PUNCT
easat-10344	355	3	©	©	PROPN
easat-10344	355	4	2025	2025	NUM
easat-10344	355	5	by	by	ADP
easat-10344	355	6	the	the	DET
easat-10344	355	7	authors	author	NOUN
easat-10344	355	8	.	.	PUNCT
easat-10344	356	1	this	this	DET
easat-10344	356	2	open	open	ADJ
easat-10344	356	3	-	-	PUNCT
easat-10344	356	4	access	access	NOUN
easat-10344	356	5	article	article	NOUN
easat-10344	356	6	is	be	AUX
easat-10344	356	7	distributed	distribute	VERB
easat-10344	356	8	under	under	ADP
easat-10344	356	9	the	the	DET
easat-10344	356	10	terms	term	NOUN
easat-10344	356	11	and	and	CCONJ
easat-10344	356	12	conditions	condition	NOUN
easat-10344	356	13	of	of	ADP
easat-10344	356	14	the	the	DET
easat-10344	356	15	creative	creative	ADJ
easat-10344	356	16	commons	common	NOUN
easat-10344	356	17	attribution	attribution	NOUN
easat-10344	356	18	(	(	PUNCT
easat-10344	356	19	cc	cc	NOUN
easat-10344	356	20	by	by	ADP
easat-10344	356	21	)	)	PUNCT
easat-10344	356	22	license	license	NOUN
easat-10344	356	23	(	(	PUNCT
easat-10344	356	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10344	356	25	)	)	PUNCT
easat-10344	356	26	.	.	PUNCT
easat-10344	357	1	references	reference	NOUN
easat-10344	357	2	[	[	X
easat-10344	357	3	1	1	NUM
easat-10344	357	4	]	]	X
easat-10344	357	5	basel	basel	PROPN
easat-10344	357	6	committee	committee	PROPN
easat-10344	357	7	on	on	ADP
easat-10344	357	8	banking	banking	NOUN
easat-10344	357	9	supervision	supervision	NOUN
easat-10344	357	10	,	,	PUNCT
easat-10344	357	11	"	"	PUNCT
easat-10344	357	12	principles	principle	NOUN
easat-10344	357	13	for	for	ADP
easat-10344	357	14	the	the	DET
easat-10344	357	15	management	management	NOUN
easat-10344	357	16	of	of	ADP
easat-10344	357	17	credit	credit	NOUN
easat-10344	357	18	risk	risk	NOUN
easat-10344	357	19	,	,	PUNCT
easat-10344	357	20	"	"	PUNCT
easat-10344	357	21	bank	bank	NOUN
easat-10344	357	22	for	for	ADP
easat-10344	357	23	international	international	ADJ
easat-10344	357	24	settlements	settlement	NOUN
easat-10344	357	25	,	,	PUNCT
easat-10344	357	26	1999	1999	NUM
easat-10344	357	27	.	.	PUNCT
easat-10344	358	1	https://www.bis.org/publ/bcbs54.htm	https://www.bis.org/publ/bcbs54.htm	NOUN
easat-10344	359	1	[	[	X
easat-10344	359	2	2	2	NUM
easat-10344	359	3	]	]	X
easat-10344	359	4	european	european	PROPN
easat-10344	359	5	central	central	PROPN
easat-10344	359	6	bank	bank	PROPN
easat-10344	359	7	,	,	PUNCT
easat-10344	359	8	"	"	PUNCT
easat-10344	359	9	credit	credit	NOUN
easat-10344	359	10	risk	risk	NOUN
easat-10344	359	11	srep	srep	NOUN
easat-10344	359	12	methodology	methodology	NOUN
easat-10344	359	13	,	,	PUNCT
easat-10344	359	14	"	"	PUNCT
easat-10344	359	15	ecb	ecb	NOUN
easat-10344	359	16	banking	banking	NOUN
easat-10344	359	17	supervision	supervision	NOUN
easat-10344	359	18	,	,	PUNCT
easat-10344	359	19	2024	2024	NUM
easat-10344	359	20	.	.	PUNCT
easat-10344	359	21	https://www.bankingsupervision.europa.eu/activities/srep/2024/html/ssm.srep202412_creditrisksrepmethodology	https://www.bankingsupervision.europa.eu/activities/srep/2024/html/ssm.srep202412_creditrisksrepmethodology	PROPN
easat-10344	359	22	.	.	PUNCT
easat-10344	359	23	en.html	en.html	PUNCT
easat-10344	360	1	[	[	X
easat-10344	360	2	3	3	X
easat-10344	360	3	]	]	X
easat-10344	360	4	basel	basel	PROPN
easat-10344	360	5	committee	committee	PROPN
easat-10344	360	6	on	on	ADP
easat-10344	360	7	banking	banking	NOUN
easat-10344	360	8	supervision	supervision	NOUN
easat-10344	360	9	,	,	PUNCT
easat-10344	360	10	"	"	PUNCT
easat-10344	360	11	basel	basel	PROPN
easat-10344	360	12	iii	iii	PROPN
easat-10344	360	13	:	:	PUNCT
easat-10344	360	14	a	a	DET
easat-10344	360	15	global	global	ADJ
easat-10344	360	16	regulatory	regulatory	ADJ
easat-10344	360	17	framework	framework	NOUN
easat-10344	360	18	for	for	ADP
easat-10344	360	19	more	more	ADV
easat-10344	360	20	resilient	resilient	ADJ
easat-10344	360	21	banks	bank	NOUN
easat-10344	360	22	and	and	CCONJ
easat-10344	360	23	banking	banking	NOUN
easat-10344	360	24	systems	system	NOUN
easat-10344	360	25	,	,	PUNCT
easat-10344	360	26	"	"	PUNCT
easat-10344	360	27	bank	bank	NOUN
easat-10344	360	28	for	for	ADP
easat-10344	360	29	international	international	ADJ
easat-10344	360	30	settlements	settlement	NOUN
easat-10344	360	31	,	,	PUNCT
easat-10344	360	32	2011	2011	NUM
easat-10344	360	33	.	.	PUNCT
easat-10344	361	1	https://www.bis.org/bcbs/basel3.htm	https://www.bis.org/bcbs/basel3.htm	PRON
easat-10344	362	1	[	[	X
easat-10344	362	2	4	4	NUM
easat-10344	362	3	]	]	X
easat-10344	362	4	u.	u.	PROPN
easat-10344	362	5	soni	soni	PROPN
easat-10344	362	6	and	and	CCONJ
easat-10344	362	7	d.	d.	PROPN
easat-10344	362	8	a.	a.	PROPN
easat-10344	362	9	g.	g.	PROPN
easat-10344	362	10	gordhan	gordhan	PROPN
easat-10344	362	11	jethava	jethava	PROPN
easat-10344	362	12	,	,	PUNCT
easat-10344	362	13	"	"	PUNCT
easat-10344	362	14	latest	late	ADJ
easat-10344	362	15	advancements	advancement	NOUN
easat-10344	362	16	in	in	ADP
easat-10344	362	17	credit	credit	NOUN
easat-10344	362	18	risk	risk	NOUN
easat-10344	362	19	assessment	assessment	NOUN
easat-10344	362	20	with	with	ADP
easat-10344	362	21	machine	machine	NOUN
easat-10344	362	22	learning	learning	NOUN
easat-10344	362	23	and	and	CCONJ
easat-10344	362	24	deep	deep	ADJ
easat-10344	362	25	learning	learning	NOUN
easat-10344	362	26	techniques	technique	NOUN
easat-10344	362	27	,	,	PUNCT
easat-10344	362	28	"	"	PUNCT
easat-10344	362	29	cybernetics	cybernetic	NOUN
easat-10344	362	30	and	and	CCONJ
easat-10344	362	31	information	information	NOUN
easat-10344	362	32	technologies	technology	NOUN
easat-10344	362	33	,	,	PUNCT
easat-10344	362	34	vol	vol	NOUN
easat-10344	362	35	.	.	PROPN
easat-10344	363	1	24	24	NUM
easat-10344	363	2	,	,	PUNCT
easat-10344	363	3	no	no	INTJ
easat-10344	363	4	.	.	NOUN
easat-10344	363	5	4	4	NUM
easat-10344	363	6	,	,	PUNCT
easat-10344	363	7	pp	pp	ADJ
easat-10344	363	8	.	.	PUNCT
easat-10344	364	1	22	22	NUM
easat-10344	364	2	-	-	SYM
easat-10344	364	3	44	44	NUM
easat-10344	364	4	,	,	PUNCT
easat-10344	364	5	2024	2024	NUM
easat-10344	364	6	.	.	PUNCT
easat-10344	365	1	https://doi.org/10.2478/cait-2024-0034	https://doi.org/10.2478/cait-2024-0034	VERB
easat-10344	366	1	[	[	X
easat-10344	366	2	5	5	NUM
easat-10344	366	3	]	]	PUNCT
easat-10344	366	4	m.	m.	NOUN
easat-10344	366	5	macias	macias	PROPN
easat-10344	366	6	,	,	PUNCT
easat-10344	366	7	"	"	PUNCT
easat-10344	366	8	credit	credit	NOUN
easat-10344	366	9	risk	risk	NOUN
easat-10344	366	10	grading	grade	VERB
easat-10344	366	11	systems	system	NOUN
easat-10344	366	12	:	:	PUNCT
easat-10344	366	13	observations	observation	NOUN
easat-10344	366	14	from	from	ADP
easat-10344	366	15	a	a	DET
easat-10344	366	16	horizontal	horizontal	ADJ
easat-10344	366	17	assessment	assessment	NOUN
easat-10344	366	18	,	,	PUNCT
easat-10344	366	19	"	"	PUNCT
easat-10344	366	20	supervisory	supervisory	ADJ
easat-10344	366	21	insights	insight	NOUN
easat-10344	366	22	,	,	PUNCT
easat-10344	366	23	vol	vol	NOUN
easat-10344	366	24	.	.	PROPN
easat-10344	366	25	15	15	NUM
easat-10344	366	26	,	,	PUNCT
easat-10344	366	27	no	no	INTJ
easat-10344	366	28	.	.	NOUN
easat-10344	366	29	1	1	NUM
easat-10344	366	30	,	,	PUNCT
easat-10344	366	31	pp	pp	ADJ
easat-10344	366	32	.	.	PUNCT
easat-10344	367	1	24–31	24–31	NUM
easat-10344	367	2	,	,	PUNCT
easat-10344	367	3	2018	2018	NUM
easat-10344	367	4	.	.	PUNCT
easat-10344	368	1	[	[	X
easat-10344	368	2	6	6	NUM
easat-10344	368	3	]	]	X
easat-10344	368	4	n.	n.	PROPN
easat-10344	368	5	ziadi	ziadi	PROPN
easat-10344	368	6	ben	ben	PROPN
easat-10344	368	7	fadhel	fadhel	PROPN
easat-10344	368	8	,	,	PUNCT
easat-10344	368	9	"	"	PUNCT
easat-10344	368	10	leveraging	leverage	VERB
easat-10344	368	11	predictive	predictive	ADJ
easat-10344	368	12	intelligence	intelligence	NOUN
easat-10344	368	13	to	to	PART
easat-10344	368	14	understand	understand	VERB
easat-10344	368	15	banking	banking	NOUN
easat-10344	368	16	customer	customer	NOUN
easat-10344	368	17	behavior	behavior	NOUN
easat-10344	368	18	,	,	PUNCT
easat-10344	368	19	"	"	PUNCT
easat-10344	368	20	international	international	ADJ
easat-10344	368	21	journal	journal	NOUN
easat-10344	368	22	of	of	ADP
easat-10344	368	23	innovative	innovative	ADJ
easat-10344	368	24	research	research	NOUN
easat-10344	368	25	and	and	CCONJ
easat-10344	368	26	scientific	scientific	ADJ
easat-10344	368	27	studies	study	NOUN
easat-10344	368	28	,	,	PUNCT
easat-10344	368	29	vol	vol	NOUN
easat-10344	368	30	.	.	PROPN
easat-10344	368	31	8	8	NUM
easat-10344	368	32	,	,	PUNCT
easat-10344	368	33	no	no	INTJ
easat-10344	368	34	.	.	NOUN
easat-10344	368	35	5	5	NUM
easat-10344	368	36	,	,	PUNCT
easat-10344	368	37	pp	pp	ADJ
easat-10344	368	38	.	.	PUNCT
easat-10344	368	39	1771–1788	1771–1788	NUM
easat-10344	368	40	,	,	PUNCT
easat-10344	368	41	2025	2025	NUM
easat-10344	368	42	.	.	PUNCT
easat-10344	369	1	[	[	X
easat-10344	369	2	7	7	NUM
easat-10344	369	3	]	]	PUNCT
easat-10344	369	4	a.	a.	NOUN
easat-10344	369	5	a.	a.	NOUN
easat-10344	369	6	shakurov	shakurov	PROPN
easat-10344	369	7	,	,	PUNCT
easat-10344	369	8	"	"	PUNCT
easat-10344	369	9	modern	modern	ADJ
easat-10344	369	10	approaches	approach	NOUN
easat-10344	369	11	to	to	ADP
easat-10344	369	12	credit	credit	NOUN
easat-10344	369	13	risk	risk	NOUN
easat-10344	369	14	assessment	assessment	NOUN
easat-10344	369	15	in	in	ADP
easat-10344	369	16	banking	banking	NOUN
easat-10344	369	17	,	,	PUNCT
easat-10344	369	18	"	"	PUNCT
easat-10344	369	19	economics	economic	NOUN
easat-10344	369	20	:	:	PUNCT
easat-10344	369	21	yesterday	yesterday	NOUN
easat-10344	369	22	,	,	PUNCT
easat-10344	369	23	today	today	NOUN
easat-10344	369	24	and	and	CCONJ
easat-10344	369	25	tomorrow	tomorrow	NOUN
easat-10344	369	26	,	,	PUNCT
easat-10344	369	27	vol	vol	NOUN
easat-10344	369	28	.	.	PROPN
easat-10344	369	29	15	15	NUM
easat-10344	369	30	,	,	PUNCT
easat-10344	369	31	no	no	INTJ
easat-10344	369	32	.	.	NOUN
easat-10344	369	33	12	12	NUM
easat-10344	369	34	,	,	PUNCT
easat-10344	369	35	p.	p.	NOUN
easat-10344	369	36	20	20	NUM
easat-10344	369	37	,	,	PUNCT
easat-10344	369	38	2024	2024	NUM
easat-10344	369	39	.	.	PUNCT
easat-10344	370	1	https://doi.org/10.36871/ek.up.p.r.2024.12.15.020	https://doi.org/10.36871/ek.up.p.r.2024.12.15.020	PROPN
easat-10344	370	2	[	[	X
easat-10344	370	3	8	8	NUM
easat-10344	370	4	]	]	X
easat-10344	370	5	r.	r.	PROPN
easat-10344	370	6	anderson	anderson	PROPN
easat-10344	370	7	,	,	PUNCT
easat-10344	370	8	the	the	DET
easat-10344	370	9	credit	credit	NOUN
easat-10344	370	10	scoring	scoring	NOUN
easat-10344	370	11	toolkit	toolkit	NOUN
easat-10344	370	12	:	:	PUNCT
easat-10344	370	13	theory	theory	NOUN
easat-10344	370	14	and	and	CCONJ
easat-10344	370	15	practice	practice	NOUN
easat-10344	370	16	for	for	ADP
easat-10344	370	17	retail	retail	ADJ
easat-10344	370	18	credit	credit	NOUN
easat-10344	370	19	risk	risk	NOUN
easat-10344	370	20	management	management	NOUN
easat-10344	370	21	and	and	CCONJ
easat-10344	370	22	decision	decision	NOUN
easat-10344	370	23	automation	automation	NOUN
easat-10344	370	24	.	.	PUNCT
easat-10344	371	1	oxford	oxford	PROPN
easat-10344	371	2	,	,	PUNCT
easat-10344	371	3	uk	uk	PROPN
easat-10344	371	4	:	:	PUNCT
easat-10344	371	5	oxford	oxford	PROPN
easat-10344	371	6	university	university	PROPN
easat-10344	371	7	press	press	NOUN
easat-10344	371	8	,	,	PUNCT
easat-10344	371	9	2007	2007	NUM
easat-10344	371	10	.	.	PUNCT
easat-10344	372	1	[	[	X
easat-10344	372	2	9	9	NUM
easat-10344	372	3	]	]	X
easat-10344	372	4	y.	y.	NOUN
easat-10344	372	5	gu	gu	NOUN
easat-10344	372	6	et	et	PROPN
easat-10344	372	7	al	al	PROPN
easat-10344	372	8	.	.	PROPN
easat-10344	372	9	,	,	PUNCT
easat-10344	372	10	"	"	PUNCT
easat-10344	372	11	a	a	DET
easat-10344	372	12	large	large	ADJ
easat-10344	372	13	-	-	PUNCT
easat-10344	372	14	scale	scale	NOUN
easat-10344	372	15	stable	stable	ADJ
easat-10344	372	16	customer	customer	NOUN
easat-10344	372	17	segmentation	segmentation	NOUN
easat-10344	372	18	approach	approach	NOUN
easat-10344	372	19	to	to	ADP
easat-10344	372	20	credit	credit	NOUN
easat-10344	372	21	risk	risk	NOUN
easat-10344	372	22	assessment	assessment	NOUN
easat-10344	372	23	,	,	PUNCT
easat-10344	372	24	"	"	PUNCT
easat-10344	372	25	in	in	ADP
easat-10344	372	26	proceedings	proceeding	NOUN
easat-10344	372	27	of	of	ADP
easat-10344	372	28	the	the	DET
easat-10344	372	29	30th	30th	ADJ
easat-10344	372	30	acm	acm	NOUN
easat-10344	372	31	sigkdd	sigkdd	NOUN
easat-10344	372	32	conference	conference	NOUN
easat-10344	372	33	on	on	ADP
easat-10344	372	34	knowledge	knowledge	NOUN
easat-10344	372	35	discovery	discovery	PROPN
easat-10344	372	36	and	and	CCONJ
easat-10344	372	37	data	datum	NOUN
easat-10344	372	38	mining	mining	NOUN
easat-10344	372	39	,	,	PUNCT
easat-10344	372	40	2024	2024	NUM
easat-10344	372	41	,	,	PUNCT
easat-10344	372	42	pp	pp	ADV
easat-10344	372	43	.	.	PUNCT
easat-10344	372	44	5006	5006	NUM
easat-10344	372	45	-	-	SYM
easat-10344	372	46	5017	5017	NUM
easat-10344	372	47	,	,	PUNCT
easat-10344	372	48	doi	doi	NOUN
easat-10344	372	49	:	:	PUNCT
easat-10344	372	50	https://doi.org/10.1145/3637528.3671550	https://doi.org/10.1145/3637528.3671550	X
easat-10344	372	51	.	.	PUNCT
easat-10344	373	1	[	[	X
easat-10344	373	2	10	10	NUM
easat-10344	373	3	]	]	X
easat-10344	373	4	p.	p.	NOUN
easat-10344	373	5	kaur	kaur	PROPN
easat-10344	373	6	,	,	PUNCT
easat-10344	373	7	a.	a.	NOUN
easat-10344	373	8	sharma	sharma	PROPN
easat-10344	373	9	,	,	PUNCT
easat-10344	373	10	and	and	CCONJ
easat-10344	373	11	r.	r.	PROPN
easat-10344	373	12	mahajan	mahajan	PROPN
easat-10344	373	13	,	,	PUNCT
easat-10344	373	14	"	"	PUNCT
easat-10344	373	15	customer	customer	NOUN
easat-10344	373	16	segmentation	segmentation	NOUN
easat-10344	373	17	based	base	VERB
easat-10344	373	18	on	on	ADP
easat-10344	373	19	loyalty	loyalty	NOUN
easat-10344	373	20	and	and	CCONJ
easat-10344	373	21	switching	switch	VERB
easat-10344	373	22	intentions	intention	NOUN
easat-10344	373	23	:	:	PUNCT
easat-10344	373	24	implications	implication	NOUN
easat-10344	373	25	for	for	ADP
easat-10344	373	26	banks	bank	NOUN
easat-10344	373	27	,	,	PUNCT
easat-10344	373	28	"	"	PUNCT
easat-10344	373	29	vision	vision	NOUN
easat-10344	373	30	:	:	PUNCT
easat-10344	373	31	the	the	DET
easat-10344	373	32	journal	journal	NOUN
easat-10344	373	33	of	of	ADP
easat-10344	373	34	business	business	PROPN
easat-10344	373	35	perspective	perspective	NOUN
easat-10344	373	36	,	,	PUNCT
easat-10344	373	37	vol	vol	NOUN
easat-10344	373	38	.	.	PROPN
easat-10344	373	39	18	18	NUM
easat-10344	373	40	,	,	PUNCT
easat-10344	373	41	no	no	INTJ
easat-10344	373	42	.	.	NOUN
easat-10344	373	43	4	4	NUM
easat-10344	373	44	,	,	PUNCT
easat-10344	373	45	pp	pp	ADJ
easat-10344	373	46	.	.	PUNCT
easat-10344	374	1	309–317	309–317	NUM
easat-10344	374	2	,	,	PUNCT
easat-10344	374	3	2014	2014	NUM
easat-10344	374	4	.	.	PUNCT
easat-10344	375	1	[	[	X
easat-10344	375	2	11	11	NUM
easat-10344	375	3	]	]	X
easat-10344	375	4	l.	l.	PROPN
easat-10344	375	5	hounnou	hounnou	PROPN
easat-10344	375	6	,	,	PUNCT
easat-10344	375	7	"	"	PUNCT
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easat-10344	375	9	the	the	DET
easat-10344	375	10	power	power	NOUN
easat-10344	375	11	of	of	ADP
easat-10344	375	12	machine	machine	NOUN
easat-10344	375	13	learning	learning	NOUN
easat-10344	375	14	,	,	PUNCT
easat-10344	375	15	bayesian	bayesian	NOUN
easat-10344	375	16	neural	neural	ADJ
easat-10344	375	17	networks	network	NOUN
easat-10344	375	18	,	,	PUNCT
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easat-10344	375	21	analysis	analysis	NOUN
easat-10344	375	22	in	in	ADP
easat-10344	375	23	modeling	model	VERB
easat-10344	375	24	a	a	DET
easat-10344	375	25	predictive	predictive	ADJ
easat-10344	375	26	system	system	NOUN
easat-10344	375	27	,	,	PUNCT
easat-10344	375	28	credit	credit	NOUN
easat-10344	375	29	risk	risk	NOUN
easat-10344	375	30	,	,	PUNCT
easat-10344	375	31	and	and	CCONJ
easat-10344	375	32	organizational	organizational	ADJ
easat-10344	375	33	performance	performance	NOUN
easat-10344	375	34	across	across	ADP
easat-10344	375	35	continents	continent	NOUN
easat-10344	375	36	,	,	PUNCT
easat-10344	375	37	"	"	PUNCT
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easat-10344	375	40	,	,	PUNCT
easat-10344	375	41	university	university	PROPN
easat-10344	375	42	of	of	ADP
easat-10344	375	43	illinois	illinois	PROPN
easat-10344	375	44	urbana	urbana	PROPN
easat-10344	375	45	-	-	PUNCT
easat-10344	375	46	champaign	champaign	PROPN
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easat-10344	375	48	,	,	PUNCT
easat-10344	375	49	2024	2024	NUM
easat-10344	375	50	.	.	PUNCT
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easat-10344	377	7	n.	n.	PROPN
easat-10344	377	8	gafsi	gafsi	PROPN
easat-10344	377	9	,	,	PUNCT
easat-10344	377	10	"	"	PUNCT
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easat-10344	377	12	ai	ai	VERB
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easat-10344	377	17	of	of	ADP
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easat-10344	377	19	moments	moment	NOUN
easat-10344	377	20	in	in	ADP
easat-10344	377	21	the	the	DET
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easat-10344	377	28	the	the	DET
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easat-10344	377	30	industry	industry	NOUN
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easat-10344	377	32	"	"	PUNCT
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easat-10344	377	35	de	de	X
easat-10344	377	36	recherche	recherche	X
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easat-10344	377	38	et	et	PROPN
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easat-10344	377	41	,	,	PUNCT
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easat-10344	377	43	.	.	PROPN
easat-10344	377	44	8	8	NUM
easat-10344	377	45	,	,	PUNCT
easat-10344	377	46	no	no	INTJ
easat-10344	377	47	.	.	NOUN
easat-10344	377	48	2	2	NUM
easat-10344	377	49	,	,	PUNCT
easat-10344	377	50	pp	pp	ADJ
easat-10344	377	51	.	.	PUNCT
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easat-10344	377	56	2025	2025	NUM
easat-10344	377	57	.	.	PUNCT
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easat-10344	378	2	13	13	NUM
easat-10344	378	3	]	]	PUNCT
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easat-10344	378	7	"	"	PUNCT
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easat-10344	378	9	risk	risk	NOUN
easat-10344	378	10	assessment	assessment	NOUN
easat-10344	378	11	guide	guide	NOUN
easat-10344	378	12	:	:	PUNCT
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easat-10344	378	14	for	for	ADP
easat-10344	378	15	effective	effective	ADJ
easat-10344	378	16	credit	credit	NOUN
easat-10344	378	17	risk	risk	NOUN
easat-10344	378	18	monitoring	monitoring	NOUN
easat-10344	378	19	,	,	PUNCT
easat-10344	378	20	"	"	PUNCT
easat-10344	378	21	nected	necte	VERB
easat-10344	378	22	,	,	PUNCT
easat-10344	378	23	2025	2025	NUM
easat-10344	378	24	.	.	PUNCT
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easat-10344	378	30	z.	z.	PROPN
easat-10344	378	31	ellouze	ellouze	PROPN
easat-10344	378	32	,	,	PUNCT
easat-10344	378	33	"	"	PUNCT
easat-10344	378	34	credit	credit	NOUN
easat-10344	378	35	risk	risk	NOUN
easat-10344	378	36	prediction	prediction	NOUN
easat-10344	378	37	using	use	VERB
easat-10344	378	38	behavioral	behavioral	ADJ
easat-10344	378	39	features	feature	NOUN
easat-10344	378	40	in	in	ADP
easat-10344	378	41	an	an	DET
easat-10344	378	42	ai	ai	ADJ
easat-10344	378	43	chatbot	chatbot	NOUN
easat-10344	378	44	interface	interface	NOUN
easat-10344	378	45	,	,	PUNCT
easat-10344	378	46	"	"	PUNCT
easat-10344	378	47	international	international	ADJ
easat-10344	378	48	journal	journal	NOUN
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easat-10344	378	51	research	research	NOUN
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easat-10344	378	56	vol	vol	NOUN
easat-10344	378	57	.	.	PROPN
easat-10344	378	58	8	8	NUM
easat-10344	378	59	,	,	PUNCT
easat-10344	378	60	no	no	INTJ
easat-10344	378	61	.	.	NOUN
easat-10344	378	62	6	6	NUM
easat-10344	378	63	,	,	PUNCT
easat-10344	378	64	pp	pp	ADJ
easat-10344	378	65	.	.	PUNCT
easat-10344	379	1	2099–2120	2099–2120	NUM
easat-10344	379	2	,	,	PUNCT
easat-10344	379	3	2025	2025	NUM
easat-10344	379	4	.	.	PUNCT
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easat-10344	380	10	https://hdl.handle.net/2142/125604	https://hdl.handle.net/2142/125604	PROPN
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