id	sid	tid	token	lemma	pos
easat-11297	1	1	edelweiss	edelweiss	PROPN
easat-11297	1	2	applied	apply	VERB
easat-11297	1	3	science	science	NOUN
easat-11297	1	4	and	and	CCONJ
easat-11297	1	5	technology	technology	NOUN
easat-11297	1	6	issn	issn	PROPN
easat-11297	1	7	:	:	PUNCT
easat-11297	1	8	2576	2576	NUM
easat-11297	1	9	-	-	SYM
easat-11297	1	10	8484	8484	NUM
easat-11297	1	11	vol	vol	NOUN
easat-11297	1	12	.	.	PROPN
easat-11297	2	1	9	9	NUM
easat-11297	2	2	,	,	PUNCT
easat-11297	2	3	no	no	INTJ
easat-11297	2	4	.	.	NOUN
easat-11297	2	5	12	12	NUM
easat-11297	2	6	,	,	PUNCT
easat-11297	2	7	124	124	NUM
easat-11297	2	8	-	-	SYM
easat-11297	2	9	147	147	NUM
easat-11297	2	10	2025	2025	NUM
easat-11297	2	11	publisher	publisher	NOUN
easat-11297	2	12	:	:	PUNCT
easat-11297	2	13	learning	learn	VERB
easat-11297	2	14	gate	gate	NOUN
easat-11297	2	15	doi	doi	PROPN
easat-11297	2	16	:	:	PUNCT
easat-11297	2	17	10.55214/2576	10.55214/2576	NUM
easat-11297	2	18	-	-	SYM
easat-11297	2	19	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	3	1	©	©	PROPN
easat-11297	3	2	2025	2025	NUM
easat-11297	3	3	by	by	ADP
easat-11297	3	4	the	the	DET
easat-11297	3	5	authors	author	NOUN
easat-11297	3	6	;	;	PUNCT
easat-11297	3	7	licensee	licensee	PROPN
easat-11297	3	8	learning	learning	NOUN
easat-11297	3	9	gate	gate	NOUN
easat-11297	3	10	©	©	PROPN
easat-11297	3	11	2025	2025	NUM
easat-11297	3	12	by	by	ADP
easat-11297	3	13	the	the	DET
easat-11297	3	14	authors	author	NOUN
easat-11297	3	15	;	;	PUNCT
easat-11297	3	16	licensee	licensee	PROPN
easat-11297	3	17	learning	learning	NOUN
easat-11297	3	18	gate	gate	NOUN
easat-11297	3	19	history	history	NOUN
easat-11297	3	20	:	:	PUNCT
easat-11297	3	21	received	receive	VERB
easat-11297	3	22	:	:	PUNCT
easat-11297	3	23	6	6	NUM
easat-11297	3	24	october	october	NOUN
easat-11297	3	25	2025	2025	NUM
easat-11297	3	26	;	;	PUNCT
easat-11297	3	27	revised	revise	VERB
easat-11297	3	28	:	:	PUNCT
easat-11297	3	29	14	14	NUM
easat-11297	3	30	november	november	NOUN
easat-11297	3	31	2025	2025	NUM
easat-11297	3	32	;	;	PUNCT
easat-11297	3	33	accepted	accept	VERB
easat-11297	3	34	:	:	PUNCT
easat-11297	3	35	18	18	NUM
easat-11297	3	36	november	november	PROPN
easat-11297	3	37	2025	2025	NUM
easat-11297	3	38	;	;	PUNCT
easat-11297	3	39	published	publish	VERB
easat-11297	3	40	:	:	PUNCT
easat-11297	3	41	3	3	NUM
easat-11297	3	42	december	december	PROPN
easat-11297	3	43	2025	2025	NUM
easat-11297	3	44	*	*	PUNCT
easat-11297	3	45	correspondence	correspondence	NOUN
easat-11297	3	46	:	:	PUNCT
easat-11297	3	47	teerathkumar.menghwar@atu.ie	teerathkumar.menghwar@atu.ie	X
easat-11297	3	48	a	a	DET
easat-11297	3	49	comparative	comparative	ADJ
easat-11297	3	50	analysis	analysis	NOUN
easat-11297	3	51	of	of	ADP
easat-11297	3	52	ensemble	ensemble	ADJ
easat-11297	3	53	learning	learning	NOUN
easat-11297	3	54	models	model	NOUN
easat-11297	3	55	in	in	ADP
easat-11297	3	56	credit	credit	NOUN
easat-11297	3	57	scoring	scoring	NOUN
easat-11297	3	58	and	and	CCONJ
easat-11297	3	59	loan	loan	NOUN
easat-11297	3	60	default	default	NOUN
easat-11297	3	61	prediction	prediction	NOUN
easat-11297	3	62	teerath	teerath	NOUN
easat-11297	4	1	kumar1,2	kumar1,2	PROPN
easat-11297	4	2	*	*	PROPN
easat-11297	4	3	,	,	PUNCT
easat-11297	4	4	sudarshan	sudarshan	PROPN
easat-11297	4	5	poojary1,3	poojary1,3	PROPN
easat-11297	4	6	,	,	PUNCT
easat-11297	4	7	raja	raja	PROPN
easat-11297	4	8	vavekanand3	vavekanand3	PROPN
easat-11297	4	9	,	,	PUNCT
easat-11297	4	10	fida	fida	PROPN
easat-11297	4	11	hussain	hussain	PROPN
easat-11297	4	12	dahri4	dahri4	PROPN
easat-11297	4	13	,	,	PUNCT
easat-11297	4	14	asif	asif	PROPN
easat-11297	4	15	ali	ali	PROPN
easat-11297	4	16	laghari5	laghari5	PROPN
easat-11297	4	17	1dublin	1dublin	PROPN
easat-11297	4	18	business	business	NOUN
easat-11297	4	19	school	school	NOUN
easat-11297	4	20	,	,	PUNCT
easat-11297	4	21	dublin	dublin	PROPN
easat-11297	4	22	,	,	PUNCT
easat-11297	4	23	ireland	ireland	PROPN
easat-11297	4	24	;	;	PUNCT
easat-11297	4	25	teerathkumar.menghwar@atu.ie	teerathkumar.menghwar@atu.ie	X
easat-11297	4	26	(	(	PUNCT
easat-11297	4	27	t.k	t.k	PROPN
easat-11297	4	28	.	.	PROPN
easat-11297	4	29	)	)	PUNCT
easat-11297	4	30	.	.	PUNCT
easat-11297	5	1	2school	2school	NUM
easat-11297	5	2	of	of	ADP
easat-11297	5	3	computing	computing	NOUN
easat-11297	5	4	,	,	PUNCT
easat-11297	5	5	atlantic	atlantic	PROPN
easat-11297	5	6	technology	technology	PROPN
easat-11297	5	7	university	university	PROPN
easat-11297	5	8	,	,	PUNCT
easat-11297	5	9	ireland	ireland	NOUN
easat-11297	5	10	.	.	PUNCT
easat-11297	6	1	3datalink	3datalink	NUM
easat-11297	6	2	research	research	NOUN
easat-11297	6	3	and	and	CCONJ
easat-11297	6	4	technology	technology	NOUN
easat-11297	6	5	lab	lab	NOUN
easat-11297	6	6	,	,	PUNCT
easat-11297	6	7	islamkot	islamkot	NOUN
easat-11297	6	8	,	,	PUNCT
easat-11297	6	9	69240	69240	NUM
easat-11297	6	10	,	,	PUNCT
easat-11297	6	11	pakistan	pakistan	PROPN
easat-11297	6	12	.	.	PUNCT
easat-11297	7	1	4school	4school	NUM
easat-11297	7	2	of	of	ADP
easat-11297	7	3	computer	computer	NOUN
easat-11297	7	4	science	science	NOUN
easat-11297	7	5	and	and	CCONJ
easat-11297	7	6	technology	technology	NOUN
easat-11297	7	7	,	,	PUNCT
easat-11297	7	8	harbin	harbin	PROPN
easat-11297	7	9	institute	institute	PROPN
easat-11297	7	10	of	of	ADP
easat-11297	7	11	technology	technology	PROPN
easat-11297	7	12	,	,	PUNCT
easat-11297	7	13	harbin	harbin	PROPN
easat-11297	7	14	150001	150001	NUM
easat-11297	7	15	,	,	PUNCT
easat-11297	7	16	china	china	PROPN
easat-11297	7	17	.	.	PUNCT
easat-11297	8	1	5software	5software	NUM
easat-11297	8	2	collage	collage	NOUN
easat-11297	8	3	,	,	PUNCT
easat-11297	8	4	shenyang	shenyang	PROPN
easat-11297	8	5	normal	normal	PROPN
easat-11297	8	6	university	university	PROPN
easat-11297	8	7	china	china	PROPN
easat-11297	8	8	;	;	PUNCT
easat-11297	8	9	asiflaghari@synu.edu.cn	asiflaghari@synu.edu.cn	NOUN
easat-11297	8	10	(	(	PUNCT
easat-11297	8	11	a.a.l	a.a.l	ADV
easat-11297	8	12	.	.	PUNCT
easat-11297	8	13	)	)	PUNCT
easat-11297	8	14	.	.	PUNCT
easat-11297	9	1	abstract	abstract	ADV
easat-11297	9	2	:	:	PUNCT
easat-11297	9	3	this	this	DET
easat-11297	9	4	article	article	NOUN
easat-11297	9	5	investigates	investigate	VERB
easat-11297	9	6	the	the	DET
easat-11297	9	7	effectiveness	effectiveness	NOUN
easat-11297	9	8	of	of	ADP
easat-11297	9	9	three	three	NUM
easat-11297	9	10	ensemble	ensemble	ADJ
easat-11297	9	11	learning	learning	NOUN
easat-11297	9	12	techniques	technique	NOUN
easat-11297	9	13	,	,	PUNCT
easat-11297	9	14	stacking	stacking	NOUN
easat-11297	9	15	,	,	PUNCT
easat-11297	9	16	bagging	bagging	NOUN
easat-11297	9	17	,	,	PUNCT
easat-11297	9	18	and	and	CCONJ
easat-11297	9	19	boosting	boost	VERB
easat-11297	9	20	,	,	PUNCT
easat-11297	9	21	in	in	ADP
easat-11297	9	22	predicting	predict	VERB
easat-11297	9	23	credit	credit	NOUN
easat-11297	9	24	scores	score	NOUN
easat-11297	9	25	and	and	CCONJ
easat-11297	9	26	loan	loan	NOUN
easat-11297	9	27	defaults	default	NOUN
easat-11297	9	28	using	use	VERB
easat-11297	9	29	three	three	NUM
easat-11297	9	30	distinct	distinct	ADJ
easat-11297	9	31	datasets	dataset	NOUN
easat-11297	9	32	.	.	PUNCT
easat-11297	10	1	we	we	PRON
easat-11297	10	2	compare	compare	VERB
easat-11297	10	3	the	the	DET
easat-11297	10	4	models	model	NOUN
easat-11297	10	5	based	base	VERB
easat-11297	10	6	on	on	ADP
easat-11297	10	7	accuracy	accuracy	NOUN
easat-11297	10	8	,	,	PUNCT
easat-11297	10	9	precision	precision	NOUN
easat-11297	10	10	,	,	PUNCT
easat-11297	10	11	recall	recall	NOUN
easat-11297	10	12	,	,	PUNCT
easat-11297	10	13	and	and	CCONJ
easat-11297	10	14	f1	f1	NOUN
easat-11297	10	15	score	score	NOUN
easat-11297	10	16	to	to	PART
easat-11297	10	17	assess	assess	VERB
easat-11297	10	18	their	their	PRON
easat-11297	10	19	performance	performance	NOUN
easat-11297	10	20	in	in	ADP
easat-11297	10	21	both	both	CCONJ
easat-11297	10	22	binary	binary	ADJ
easat-11297	10	23	and	and	CCONJ
easat-11297	10	24	multi	multi	ADJ
easat-11297	10	25	-	-	ADJ
easat-11297	10	26	class	class	ADJ
easat-11297	10	27	classification	classification	NOUN
easat-11297	10	28	tasks	task	NOUN
easat-11297	10	29	.	.	PUNCT
easat-11297	11	1	among	among	ADP
easat-11297	11	2	the	the	DET
easat-11297	11	3	models	model	NOUN
easat-11297	11	4	,	,	PUNCT
easat-11297	11	5	stacking	stack	VERB
easat-11297	11	6	achieved	achieve	VERB
easat-11297	11	7	the	the	DET
easat-11297	11	8	highest	high	ADJ
easat-11297	11	9	overall	overall	ADJ
easat-11297	11	10	performance	performance	NOUN
easat-11297	11	11	,	,	PUNCT
easat-11297	11	12	with	with	ADP
easat-11297	11	13	a	a	DET
easat-11297	11	14	multi	multi	ADJ
easat-11297	11	15	-	-	ADJ
easat-11297	11	16	class	class	ADJ
easat-11297	11	17	credit	credit	NOUN
easat-11297	11	18	scoring	scoring	NOUN
easat-11297	11	19	accuracy	accuracy	NOUN
easat-11297	11	20	of	of	ADP
easat-11297	11	21	82	82	NUM
easat-11297	11	22	%	%	NOUN
easat-11297	11	23	,	,	PUNCT
easat-11297	11	24	compared	compare	VERB
easat-11297	11	25	to	to	ADP
easat-11297	11	26	72	72	NUM
easat-11297	11	27	%	%	NOUN
easat-11297	11	28	for	for	ADP
easat-11297	11	29	binary	binary	ADJ
easat-11297	11	30	classification	classification	NOUN
easat-11297	11	31	using	use	VERB
easat-11297	11	32	bagging	bagging	NOUN
easat-11297	11	33	.	.	PUNCT
easat-11297	12	1	however	however	ADV
easat-11297	12	2	,	,	PUNCT
easat-11297	12	3	bagging	bagging	NOUN
easat-11297	12	4	performed	perform	VERB
easat-11297	12	5	less	less	ADV
easat-11297	12	6	effectively	effectively	ADV
easat-11297	12	7	in	in	ADP
easat-11297	12	8	predicting	predict	VERB
easat-11297	12	9	loan	loan	NOUN
easat-11297	12	10	defaults	default	NOUN
easat-11297	12	11	.	.	PUNCT
easat-11297	13	1	boosting	boost	VERB
easat-11297	13	2	,	,	PUNCT
easat-11297	13	3	while	while	SCONJ
easat-11297	13	4	generally	generally	ADV
easat-11297	13	5	less	less	ADV
easat-11297	13	6	effective	effective	ADJ
easat-11297	13	7	in	in	ADP
easat-11297	13	8	handling	handle	VERB
easat-11297	13	9	imbalanced	imbalanced	ADJ
easat-11297	13	10	data	datum	NOUN
easat-11297	13	11	and	and	CCONJ
easat-11297	13	12	complex	complex	ADJ
easat-11297	13	13	multi	multi	ADJ
easat-11297	13	14	-	-	ADJ
easat-11297	13	15	class	class	ADJ
easat-11297	13	16	problems	problem	NOUN
easat-11297	13	17	,	,	PUNCT
easat-11297	13	18	still	still	ADV
easat-11297	13	19	produced	produce	VERB
easat-11297	13	20	acceptable	acceptable	ADJ
easat-11297	13	21	results	result	NOUN
easat-11297	13	22	in	in	ADP
easat-11297	13	23	certain	certain	ADJ
easat-11297	13	24	scenarios	scenario	NOUN
easat-11297	13	25	.	.	PUNCT
easat-11297	14	1	the	the	DET
easat-11297	14	2	findings	finding	NOUN
easat-11297	14	3	suggest	suggest	VERB
easat-11297	14	4	that	that	SCONJ
easat-11297	14	5	stacking	stack	VERB
easat-11297	14	6	and	and	CCONJ
easat-11297	14	7	bagging	bagging	NOUN
easat-11297	14	8	are	be	AUX
easat-11297	14	9	particularly	particularly	ADV
easat-11297	14	10	well	well	ADV
easat-11297	14	11	-	-	PUNCT
easat-11297	14	12	suited	suit	VERB
easat-11297	14	13	for	for	ADP
easat-11297	14	14	credit	credit	NOUN
easat-11297	14	15	scoring	scoring	NOUN
easat-11297	14	16	and	and	CCONJ
easat-11297	14	17	loan	loan	NOUN
easat-11297	14	18	default	default	NOUN
easat-11297	14	19	prediction	prediction	NOUN
easat-11297	14	20	,	,	PUNCT
easat-11297	14	21	making	make	VERB
easat-11297	14	22	them	they	PRON
easat-11297	14	23	valuable	valuable	ADJ
easat-11297	14	24	tools	tool	NOUN
easat-11297	14	25	for	for	ADP
easat-11297	14	26	financial	financial	ADJ
easat-11297	14	27	institutions	institution	NOUN
easat-11297	14	28	.	.	PUNCT
easat-11297	15	1	the	the	DET
easat-11297	15	2	study	study	NOUN
easat-11297	15	3	also	also	ADV
easat-11297	15	4	highlights	highlight	VERB
easat-11297	15	5	the	the	DET
easat-11297	15	6	importance	importance	NOUN
easat-11297	15	7	of	of	ADP
easat-11297	15	8	addressing	address	VERB
easat-11297	15	9	class	class	NOUN
easat-11297	15	10	imbalance	imbalance	NOUN
easat-11297	15	11	and	and	CCONJ
easat-11297	15	12	applying	apply	VERB
easat-11297	15	13	feature	feature	NOUN
easat-11297	15	14	engineering	engineering	NOUN
easat-11297	15	15	to	to	PART
easat-11297	15	16	enhance	enhance	VERB
easat-11297	15	17	model	model	NOUN
easat-11297	15	18	performance	performance	NOUN
easat-11297	15	19	.	.	PUNCT
easat-11297	16	1	future	future	ADJ
easat-11297	16	2	research	research	NOUN
easat-11297	16	3	should	should	AUX
easat-11297	16	4	focus	focus	VERB
easat-11297	16	5	on	on	ADP
easat-11297	16	6	improving	improve	VERB
easat-11297	16	7	model	model	NOUN
easat-11297	16	8	explainability	explainability	NOUN
easat-11297	16	9	and	and	CCONJ
easat-11297	16	10	developing	develop	VERB
easat-11297	16	11	advanced	advanced	ADJ
easat-11297	16	12	techniques	technique	NOUN
easat-11297	16	13	to	to	PART
easat-11297	16	14	handle	handle	VERB
easat-11297	16	15	data	datum	NOUN
easat-11297	16	16	complexity	complexity	NOUN
easat-11297	16	17	.	.	PUNCT
easat-11297	17	1	keywords	keyword	NOUN
easat-11297	17	2	:	:	PUNCT
easat-11297	17	3	bagging	bagging	NOUN
easat-11297	17	4	,	,	PUNCT
easat-11297	17	5	boosting	boost	VERB
easat-11297	17	6	,	,	PUNCT
easat-11297	17	7	classification	classification	NOUN
easat-11297	17	8	models	model	NOUN
easat-11297	17	9	,	,	PUNCT
easat-11297	17	10	credit	credit	NOUN
easat-11297	17	11	scoring	scoring	NOUN
easat-11297	17	12	,	,	PUNCT
easat-11297	17	13	ensemble	ensemble	ADJ
easat-11297	17	14	learning	learning	NOUN
easat-11297	17	15	,	,	PUNCT
easat-11297	17	16	financial	financial	ADJ
easat-11297	17	17	risk	risk	NOUN
easat-11297	17	18	prediction	prediction	NOUN
easat-11297	17	19	,	,	PUNCT
easat-11297	17	20	loan	loan	NOUN
easat-11297	17	21	default	default	NOUN
easat-11297	17	22	prediction	prediction	NOUN
easat-11297	17	23	,	,	PUNCT
easat-11297	17	24	model	model	NOUN
easat-11297	17	25	performance	performance	NOUN
easat-11297	17	26	evaluation	evaluation	NOUN
easat-11297	17	27	,	,	PUNCT
easat-11297	17	28	predictive	predictive	ADJ
easat-11297	17	29	analytics	analytic	NOUN
easat-11297	17	30	,	,	PUNCT
easat-11297	17	31	stacking	stacking	NOUN
easat-11297	17	32	.	.	NOUN
easat-11297	17	33	1	1	NUM
easat-11297	17	34	.	.	X
easat-11297	17	35	introduction	introduction	NOUN
easat-11297	17	36	credit	credit	NOUN
easat-11297	17	37	scoring	scoring	NOUN
easat-11297	17	38	is	be	AUX
easat-11297	17	39	one	one	NUM
easat-11297	17	40	of	of	ADP
easat-11297	17	41	the	the	DET
easat-11297	17	42	critical	critical	ADJ
easat-11297	17	43	components	component	NOUN
easat-11297	17	44	of	of	ADP
easat-11297	17	45	the	the	DET
easat-11297	17	46	world	world	NOUN
easat-11297	17	47	economy	economy	NOUN
easat-11297	17	48	since	since	SCONJ
easat-11297	17	49	it	it	PRON
easat-11297	17	50	forms	form	VERB
easat-11297	17	51	the	the	DET
easat-11297	17	52	basis	basis	NOUN
easat-11297	17	53	for	for	ADP
easat-11297	17	54	evaluating	evaluate	VERB
easat-11297	17	55	the	the	DET
easat-11297	17	56	ability	ability	NOUN
easat-11297	17	57	of	of	ADP
easat-11297	17	58	a	a	DET
easat-11297	17	59	borrower	borrower	NOUN
easat-11297	17	60	to	to	PART
easat-11297	17	61	pay	pay	VERB
easat-11297	17	62	back	back	ADP
easat-11297	17	63	the	the	DET
easat-11297	17	64	credit	credit	NOUN
easat-11297	17	65	.	.	PUNCT
easat-11297	18	1	it	it	PRON
easat-11297	18	2	has	have	VERB
easat-11297	18	3	a	a	DET
easat-11297	18	4	direct	direct	ADJ
easat-11297	18	5	bearing	bearing	NOUN
easat-11297	18	6	on	on	ADP
easat-11297	18	7	the	the	DET
easat-11297	18	8	flow	flow	NOUN
easat-11297	18	9	of	of	ADP
easat-11297	18	10	credit	credit	NOUN
easat-11297	18	11	to	to	ADP
easat-11297	18	12	people	people	NOUN
easat-11297	18	13	and	and	CCONJ
easat-11297	18	14	firms	firm	NOUN
easat-11297	18	15	and	and	CCONJ
easat-11297	18	16	therefore	therefore	ADV
easat-11297	18	17	affects	affect	VERB
easat-11297	18	18	personal	personal	ADJ
easat-11297	18	19	loans	loan	NOUN
easat-11297	18	20	,	,	PUNCT
easat-11297	18	21	mortgages	mortgage	NOUN
easat-11297	18	22	,	,	PUNCT
easat-11297	18	23	and	and	CCONJ
easat-11297	18	24	business	business	NOUN
easat-11297	18	25	financing	financing	NOUN
easat-11297	19	1	[	[	X
easat-11297	19	2	1	1	NUM
easat-11297	19	3	]	]	PUNCT
easat-11297	19	4	.	.	PUNCT
easat-11297	20	1	in	in	ADP
easat-11297	20	2	the	the	DET
easat-11297	20	3	past	past	NOUN
easat-11297	20	4	,	,	PUNCT
easat-11297	20	5	credit	credit	NOUN
easat-11297	20	6	scoring	scoring	NOUN
easat-11297	20	7	models	model	NOUN
easat-11297	20	8	have	have	AUX
easat-11297	20	9	used	use	VERB
easat-11297	20	10	statistical	statistical	ADJ
easat-11297	20	11	analysis	analysis	NOUN
easat-11297	20	12	on	on	ADP
easat-11297	20	13	past	past	ADJ
easat-11297	20	14	financial	financial	ADJ
easat-11297	20	15	information	information	NOUN
easat-11297	20	16	using	use	VERB
easat-11297	20	17	logistic	logistic	ADJ
easat-11297	20	18	regression	regression	NOUN
easat-11297	20	19	to	to	PART
easat-11297	20	20	evaluate	evaluate	VERB
easat-11297	20	21	the	the	DET
easat-11297	20	22	risk	risk	NOUN
easat-11297	20	23	of	of	ADP
easat-11297	20	24	extending	extend	VERB
easat-11297	20	25	credit	credit	NOUN
easat-11297	20	26	.	.	PUNCT
easat-11297	21	1	these	these	DET
easat-11297	21	2	models	model	NOUN
easat-11297	21	3	,	,	PUNCT
easat-11297	21	4	although	although	SCONJ
easat-11297	21	5	adopted	adopt	VERB
easat-11297	21	6	in	in	ADP
easat-11297	21	7	the	the	DET
easat-11297	21	8	early	early	ADJ
easat-11297	21	9	years	year	NOUN
easat-11297	21	10	of	of	ADP
easat-11297	21	11	the	the	DET
easat-11297	21	12	development	development	NOUN
easat-11297	21	13	of	of	ADP
easat-11297	21	14	financial	financial	ADJ
easat-11297	21	15	instruments	instrument	NOUN
easat-11297	21	16	,	,	PUNCT
easat-11297	21	17	have	have	AUX
easat-11297	21	18	been	be	AUX
easat-11297	21	19	criticized	criticize	VERB
easat-11297	21	20	over	over	ADP
easat-11297	21	21	time	time	NOUN
easat-11297	21	22	because	because	SCONJ
easat-11297	21	23	of	of	ADP
easat-11297	21	24	their	their	PRON
easat-11297	21	25	inability	inability	NOUN
easat-11297	21	26	to	to	PART
easat-11297	21	27	respond	respond	VERB
easat-11297	21	28	to	to	ADP
easat-11297	21	29	the	the	DET
easat-11297	21	30	dynamic	dynamic	ADJ
easat-11297	21	31	nature	nature	NOUN
easat-11297	21	32	of	of	ADP
easat-11297	21	33	modern	modern	ADJ
easat-11297	21	34	financial	financial	ADJ
easat-11297	21	35	markets	market	NOUN
easat-11297	21	36	[	[	X
easat-11297	21	37	2	2	NUM
easat-11297	21	38	]	]	PUNCT
easat-11297	21	39	.	.	PUNCT
easat-11297	22	1	credit	credit	NOUN
easat-11297	22	2	scoring	scoring	NOUN
easat-11297	22	3	has	have	AUX
easat-11297	22	4	evolved	evolve	VERB
easat-11297	22	5	alongside	alongside	ADP
easat-11297	22	6	data	data	NOUN
easat-11297	22	7	analytics	analytic	NOUN
easat-11297	22	8	and	and	CCONJ
easat-11297	22	9	machine	machine	NOUN
easat-11297	22	10	learning	learning	NOUN
easat-11297	22	11	.	.	PUNCT
easat-11297	23	1	the	the	DET
easat-11297	23	2	growth	growth	NOUN
easat-11297	23	3	of	of	ADP
easat-11297	23	4	big	big	ADJ
easat-11297	23	5	data	datum	NOUN
easat-11297	23	6	and	and	CCONJ
easat-11297	23	7	the	the	DET
easat-11297	23	8	transformation	transformation	NOUN
easat-11297	23	9	of	of	ADP
easat-11297	23	10	financial	financial	ADJ
easat-11297	23	11	services	service	NOUN
easat-11297	23	12	into	into	ADP
easat-11297	23	13	digital	digital	ADJ
easat-11297	23	14	entities	entity	NOUN
easat-11297	23	15	have	have	AUX
easat-11297	23	16	signaled	signal	VERB
easat-11297	23	17	the	the	DET
easat-11297	23	18	need	need	NOUN
easat-11297	23	19	for	for	ADP
easat-11297	23	20	improved	improved	ADJ
easat-11297	23	21	models	model	NOUN
easat-11297	23	22	.	.	PUNCT
easat-11297	24	1	banks	bank	NOUN
easat-11297	24	2	today	today	NOUN
easat-11297	24	3	work	work	VERB
easat-11297	24	4	with	with	ADP
easat-11297	24	5	large	large	ADJ
easat-11297	24	6	volumes	volume	NOUN
easat-11297	24	7	of	of	ADP
easat-11297	24	8	data	datum	NOUN
easat-11297	24	9	,	,	PUNCT
easat-11297	24	10	including	include	VERB
easat-11297	24	11	standard	standard	ADJ
easat-11297	24	12	financial	financial	ADJ
easat-11297	24	13	data	datum	NOUN
easat-11297	24	14	and	and	CCONJ
easat-11297	24	15	new	new	ADJ
easat-11297	24	16	sources	source	NOUN
easat-11297	24	17	such	such	ADJ
easat-11297	24	18	as	as	ADP
easat-11297	24	19	social	social	ADJ
easat-11297	24	20	media	medium	NOUN
easat-11297	24	21	activity	activity	NOUN
easat-11297	24	22	and	and	CCONJ
easat-11297	24	23	transaction	transaction	NOUN
easat-11297	24	24	history	history	NOUN
easat-11297	24	25	[	[	X
easat-11297	24	26	3	3	NUM
easat-11297	24	27	]	]	PUNCT
easat-11297	24	28	.	.	PUNCT
easat-11297	25	1	this	this	PRON
easat-11297	25	2	has	have	AUX
easat-11297	25	3	led	lead	VERB
easat-11297	25	4	to	to	ADP
easat-11297	25	5	the	the	DET
easat-11297	25	6	creation	creation	NOUN
easat-11297	25	7	of	of	ADP
easat-11297	25	8	more	more	ADV
easat-11297	25	9	sophisticated	sophisticated	ADJ
easat-11297	25	10	models	model	NOUN
easat-11297	25	11	that	that	PRON
easat-11297	25	12	are	be	AUX
easat-11297	25	13	able	able	ADJ
easat-11297	25	14	to	to	PART
easat-11297	25	15	handle	handle	VERB
easat-11297	25	16	larger	large	ADJ
easat-11297	25	17	data	datum	NOUN
easat-11297	25	18	sets	set	NOUN
easat-11297	25	19	and	and	CCONJ
easat-11297	25	20	discover	discover	VERB
easat-11297	25	21	subtle	subtle	ADJ
easat-11297	25	22	relationships	relationship	NOUN
easat-11297	25	23	that	that	SCONJ
easat-11297	25	24	simple	simple	ADJ
easat-11297	25	25	models	model	NOUN
easat-11297	25	26	might	might	AUX
easat-11297	25	27	miss	miss	VERB
easat-11297	25	28	.	.	PUNCT
easat-11297	26	1	over	over	ADP
easat-11297	26	2	the	the	DET
easat-11297	26	3	last	last	ADJ
easat-11297	26	4	few	few	ADJ
easat-11297	26	5	years	year	NOUN
easat-11297	26	6	,	,	PUNCT
easat-11297	26	7	deep	deep	ADJ
easat-11297	26	8	learning	learning	NOUN
easat-11297	26	9	has	have	AUX
easat-11297	26	10	become	become	VERB
easat-11297	26	11	the	the	DET
easat-11297	26	12	go	go	VERB
easat-11297	26	13	-	-	PUNCT
easat-11297	26	14	to	to	PART
easat-11297	26	15	approach	approach	VERB
easat-11297	26	16	to	to	PART
easat-11297	26	17	overcome	overcome	VERB
easat-11297	26	18	the	the	DET
easat-11297	26	19	drawbacks	drawback	NOUN
easat-11297	26	20	of	of	ADP
easat-11297	26	21	conventional	conventional	ADJ
easat-11297	26	22	credit	credit	NOUN
easat-11297	26	23	scoring	scoring	NOUN
easat-11297	26	24	techniques	technique	NOUN
easat-11297	26	25	.	.	PUNCT
easat-11297	27	1	there	there	PRON
easat-11297	27	2	are	be	VERB
easat-11297	27	3	other	other	ADJ
easat-11297	27	4	techniques	technique	NOUN
easat-11297	27	5	,	,	PUNCT
easat-11297	27	6	such	such	ADJ
easat-11297	27	7	as	as	ADP
easat-11297	27	8	cnns	cnn	NOUN
easat-11297	27	9	and	and	CCONJ
easat-11297	27	10	rnns	rnn	NOUN
easat-11297	27	11	,	,	PUNCT
easat-11297	27	12	that	that	PRON
easat-11297	27	13	have	have	VERB
easat-11297	27	14	the	the	DET
easat-11297	27	15	capability	capability	NOUN
easat-11297	27	16	of	of	ADP
easat-11297	27	17	enhancing	enhance	VERB
easat-11297	27	18	accuracy	accuracy	NOUN
easat-11297	27	19	by	by	ADP
easat-11297	27	20	establishing	establish	VERB
easat-11297	27	21	intricate	intricate	ADJ
easat-11297	27	22	relations	relation	NOUN
easat-11297	27	23	in	in	ADP
easat-11297	27	24	the	the	DET
easat-11297	27	25	sets	set	NOUN
easat-11297	27	26	[	[	X
easat-11297	27	27	4	4	NUM
easat-11297	27	28	]	]	PUNCT
easat-11297	27	29	.	.	PUNCT
easat-11297	28	1	however	however	ADV
easat-11297	28	2	,	,	PUNCT
easat-11297	28	3	these	these	DET
easat-11297	28	4	powerful	powerful	ADJ
easat-11297	28	5	methods	method	NOUN
easat-11297	28	6	have	have	VERB
easat-11297	28	7	their	their	PRON
easat-11297	28	8	limitations	limitation	NOUN
easat-11297	28	9	,	,	PUNCT
easat-11297	28	10	especially	especially	ADV
easat-11297	28	11	in	in	ADP
easat-11297	28	12	terms	term	NOUN
easat-11297	28	13	of	of	ADP
easat-11297	28	14	interpretability	interpretability	NOUN
easat-11297	28	15	of	of	ADP
easat-11297	28	16	the	the	DET
easat-11297	28	17	model	model	NOUN
easat-11297	28	18	and	and	CCONJ
easat-11297	28	19	fairness	fairness	NOUN
easat-11297	28	20	.	.	PUNCT
easat-11297	29	1	such	such	ADJ
easat-11297	29	2	limitations	limitation	NOUN
easat-11297	29	3	are	be	AUX
easat-11297	29	4	being	be	AUX
easat-11297	29	5	addressed	address	VERB
easat-11297	29	6	by	by	ADP
easat-11297	29	7	ensemble	ensemble	ADJ
easat-11297	29	8	learning	learning	NOUN
easat-11297	29	9	,	,	PUNCT
easat-11297	29	10	which	which	PRON
easat-11297	29	11	is	be	AUX
easat-11297	29	12	a	a	DET
easat-11297	29	13	technique	technique	NOUN
easat-11297	29	14	of	of	ADP
easat-11297	29	15	using	use	VERB
easat-11297	29	16	several	several	ADJ
easat-11297	29	17	models	model	NOUN
easat-11297	29	18	125	125	NUM
easat-11297	29	19	edelweiss	edelweiss	PROPN
easat-11297	29	20	applied	apply	VERB
easat-11297	29	21	science	science	NOUN
easat-11297	29	22	and	and	CCONJ
easat-11297	29	23	technology	technology	NOUN
easat-11297	29	24	issn	issn	PROPN
easat-11297	29	25	:	:	PUNCT
easat-11297	29	26	2576	2576	NUM
easat-11297	29	27	-	-	SYM
easat-11297	29	28	8484	8484	NUM
easat-11297	29	29	vol	vol	NOUN
easat-11297	29	30	.	.	PROPN
easat-11297	30	1	9	9	NUM
easat-11297	30	2	,	,	PUNCT
easat-11297	30	3	no	no	INTJ
easat-11297	30	4	.	.	NOUN
easat-11297	30	5	12	12	NUM
easat-11297	30	6	:	:	PUNCT
easat-11297	30	7	124	124	NUM
easat-11297	30	8	-	-	SYM
easat-11297	30	9	147	147	NUM
easat-11297	30	10	,	,	PUNCT
easat-11297	30	11	2025	2025	NUM
easat-11297	30	12	doi	doi	NOUN
easat-11297	30	13	:	:	PUNCT
easat-11297	30	14	10.55214/2576	10.55214/2576	NUM
easat-11297	30	15	-	-	SYM
easat-11297	30	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	31	1	©	©	PROPN
easat-11297	31	2	2025	2025	NUM
easat-11297	31	3	by	by	ADP
easat-11297	31	4	the	the	DET
easat-11297	31	5	authors	author	NOUN
easat-11297	31	6	;	;	PUNCT
easat-11297	31	7	licensee	licensee	PROPN
easat-11297	31	8	learning	learning	NOUN
easat-11297	31	9	gate	gate	NOUN
easat-11297	31	10	to	to	PART
easat-11297	31	11	improve	improve	VERB
easat-11297	31	12	the	the	DET
easat-11297	31	13	predictability	predictability	NOUN
easat-11297	31	14	of	of	ADP
easat-11297	31	15	the	the	DET
easat-11297	31	16	result	result	NOUN
easat-11297	31	17	and	and	CCONJ
easat-11297	31	18	the	the	DET
easat-11297	31	19	stability	stability	NOUN
easat-11297	31	20	of	of	ADP
easat-11297	31	21	the	the	DET
easat-11297	31	22	model	model	NOUN
easat-11297	31	23	.	.	PUNCT
easat-11297	32	1	it	it	PRON
easat-11297	32	2	is	be	AUX
easat-11297	32	3	observed	observe	VERB
easat-11297	32	4	that	that	SCONJ
easat-11297	32	5	credit	credit	NOUN
easat-11297	32	6	scoring	scoring	NOUN
easat-11297	32	7	can	can	AUX
easat-11297	32	8	be	be	AUX
easat-11297	32	9	enhanced	enhance	VERB
easat-11297	32	10	in	in	ADP
easat-11297	32	11	terms	term	NOUN
easat-11297	32	12	of	of	ADP
easat-11297	32	13	accuracy	accuracy	NOUN
easat-11297	32	14	and	and	CCONJ
easat-11297	32	15	robustness	robustness	NOUN
easat-11297	32	16	,	,	PUNCT
easat-11297	32	17	as	as	ADV
easat-11297	32	18	well	well	ADV
easat-11297	32	19	as	as	ADP
easat-11297	32	20	fairness	fairness	NOUN
easat-11297	32	21	,	,	PUNCT
easat-11297	32	22	by	by	ADP
easat-11297	32	23	integrating	integrate	VERB
easat-11297	32	24	deep	deep	ADJ
easat-11297	32	25	learning	learning	NOUN
easat-11297	32	26	with	with	ADP
easat-11297	32	27	other	other	ADJ
easat-11297	32	28	ensemble	ensemble	ADJ
easat-11297	32	29	methods	method	NOUN
easat-11297	32	30	like	like	ADP
easat-11297	32	31	bagging	bagging	NOUN
easat-11297	32	32	,	,	PUNCT
easat-11297	32	33	boosting	boost	VERB
easat-11297	32	34	,	,	PUNCT
easat-11297	32	35	and	and	CCONJ
easat-11297	32	36	stacking	stacking	NOUN
easat-11297	32	37	.	.	PUNCT
easat-11297	33	1	1.1	1.1	NUM
easat-11297	33	2	.	.	PUNCT
easat-11297	34	1	problem	problem	NOUN
easat-11297	34	2	statement	statement	NOUN
easat-11297	34	3	traditional	traditional	ADJ
easat-11297	34	4	credit	credit	NOUN
easat-11297	34	5	risk	risk	NOUN
easat-11297	34	6	assessment	assessment	NOUN
easat-11297	34	7	methods	method	NOUN
easat-11297	34	8	,	,	PUNCT
easat-11297	34	9	such	such	ADJ
easat-11297	34	10	as	as	ADP
easat-11297	34	11	logistic	logistic	ADJ
easat-11297	34	12	regression	regression	NOUN
easat-11297	34	13	,	,	PUNCT
easat-11297	34	14	struggle	struggle	VERB
easat-11297	34	15	in	in	ADP
easat-11297	34	16	today	today	NOUN
easat-11297	34	17	’s	’s	PART
easat-11297	34	18	data	data	PROPN
easat-11297	34	19	-	-	PUNCT
easat-11297	34	20	rich	rich	ADJ
easat-11297	34	21	environment	environment	NOUN
easat-11297	34	22	,	,	PUNCT
easat-11297	34	23	failing	fail	VERB
easat-11297	34	24	to	to	PART
easat-11297	34	25	incorporate	incorporate	VERB
easat-11297	34	26	non	non	ADJ
easat-11297	34	27	-	-	ADJ
easat-11297	34	28	financial	financial	ADJ
easat-11297	34	29	data	datum	NOUN
easat-11297	34	30	such	such	ADJ
easat-11297	34	31	as	as	ADP
easat-11297	34	32	social	social	ADJ
easat-11297	34	33	media	medium	NOUN
easat-11297	34	34	activity	activity	NOUN
easat-11297	34	35	and	and	CCONJ
easat-11297	34	36	purchases	purchase	NOUN
easat-11297	34	37	,	,	PUNCT
easat-11297	34	38	which	which	PRON
easat-11297	34	39	leads	lead	VERB
easat-11297	34	40	to	to	ADP
easat-11297	34	41	inaccurate	inaccurate	ADJ
easat-11297	34	42	evaluations	evaluation	NOUN
easat-11297	34	43	[	[	X
easat-11297	34	44	5	5	NUM
easat-11297	34	45	]	]	PUNCT
easat-11297	34	46	.	.	PUNCT
easat-11297	35	1	additionally	additionally	ADV
easat-11297	35	2	,	,	PUNCT
easat-11297	35	3	class	class	NOUN
easat-11297	35	4	imbalance	imbalance	NOUN
easat-11297	35	5	in	in	ADP
easat-11297	35	6	credit	credit	NOUN
easat-11297	35	7	datasets	dataset	NOUN
easat-11297	35	8	results	result	VERB
easat-11297	35	9	in	in	ADP
easat-11297	35	10	poor	poor	ADJ
easat-11297	35	11	predictions	prediction	NOUN
easat-11297	35	12	,	,	PUNCT
easat-11297	35	13	especially	especially	ADV
easat-11297	35	14	for	for	ADP
easat-11297	35	15	high	high	ADJ
easat-11297	35	16	-	-	PUNCT
easat-11297	35	17	risk	risk	NOUN
easat-11297	35	18	borrowers	borrower	NOUN
easat-11297	35	19	.	.	PUNCT
easat-11297	36	1	these	these	DET
easat-11297	36	2	models	model	NOUN
easat-11297	36	3	also	also	ADV
easat-11297	36	4	lack	lack	VERB
easat-11297	36	5	transparency	transparency	NOUN
easat-11297	36	6	,	,	PUNCT
easat-11297	36	7	making	make	VERB
easat-11297	36	8	it	it	PRON
easat-11297	36	9	difficult	difficult	ADJ
easat-11297	36	10	for	for	SCONJ
easat-11297	36	11	regulators	regulator	NOUN
easat-11297	36	12	to	to	PART
easat-11297	36	13	ensure	ensure	VERB
easat-11297	36	14	accountability	accountability	NOUN
easat-11297	36	15	[	[	X
easat-11297	36	16	6	6	NUM
easat-11297	36	17	]	]	PUNCT
easat-11297	36	18	.	.	PUNCT
easat-11297	37	1	furthermore	furthermore	ADV
easat-11297	37	2	,	,	PUNCT
easat-11297	37	3	many	many	ADJ
easat-11297	37	4	conventional	conventional	ADJ
easat-11297	37	5	models	model	NOUN
easat-11297	37	6	perpetuate	perpetuate	VERB
easat-11297	37	7	social	social	ADJ
easat-11297	37	8	and	and	CCONJ
easat-11297	37	9	economic	economic	ADJ
easat-11297	37	10	biases	bias	NOUN
easat-11297	37	11	,	,	PUNCT
easat-11297	37	12	contributing	contribute	VERB
easat-11297	37	13	to	to	ADP
easat-11297	37	14	credit	credit	NOUN
easat-11297	37	15	inequality	inequality	NOUN
easat-11297	37	16	.	.	PUNCT
easat-11297	38	1	deep	deep	ADJ
easat-11297	38	2	learning	learning	NOUN
easat-11297	38	3	integrated	integrate	VERB
easat-11297	38	4	with	with	ADP
easat-11297	38	5	ensemble	ensemble	ADJ
easat-11297	38	6	learning	learning	NOUN
easat-11297	38	7	offers	offer	VERB
easat-11297	38	8	a	a	DET
easat-11297	38	9	promising	promising	ADJ
easat-11297	38	10	solution	solution	NOUN
easat-11297	38	11	to	to	PART
easat-11297	38	12	improve	improve	VERB
easat-11297	38	13	accuracy	accuracy	NOUN
easat-11297	38	14	,	,	PUNCT
easat-11297	38	15	transparency	transparency	NOUN
easat-11297	38	16	,	,	PUNCT
easat-11297	38	17	and	and	CCONJ
easat-11297	38	18	fairness	fairness	NOUN
easat-11297	38	19	in	in	ADP
easat-11297	38	20	credit	credit	NOUN
easat-11297	38	21	scoring	scoring	NOUN
easat-11297	38	22	.	.	PUNCT
easat-11297	39	1	traditional	traditional	ADJ
easat-11297	39	2	credit	credit	NOUN
easat-11297	39	3	scoring	scoring	NOUN
easat-11297	39	4	methods	method	NOUN
easat-11297	39	5	struggle	struggle	VERB
easat-11297	39	6	with	with	ADP
easat-11297	39	7	the	the	DET
easat-11297	39	8	complexity	complexity	NOUN
easat-11297	39	9	and	and	CCONJ
easat-11297	39	10	volume	volume	NOUN
easat-11297	39	11	of	of	ADP
easat-11297	39	12	modern	modern	ADJ
easat-11297	39	13	data	datum	NOUN
easat-11297	39	14	.	.	PUNCT
easat-11297	40	1	as	as	SCONJ
easat-11297	40	2	data	data	NOUN
easat-11297	40	3	and	and	CCONJ
easat-11297	40	4	processing	processing	NOUN
easat-11297	40	5	techniques	technique	NOUN
easat-11297	40	6	evolve	evolve	VERB
easat-11297	40	7	,	,	PUNCT
easat-11297	40	8	there	there	PRON
easat-11297	40	9	is	be	VERB
easat-11297	40	10	a	a	DET
easat-11297	40	11	need	need	NOUN
easat-11297	40	12	for	for	ADP
easat-11297	40	13	new	new	ADJ
easat-11297	40	14	strategies	strategy	NOUN
easat-11297	40	15	to	to	PART
easat-11297	40	16	improve	improve	VERB
easat-11297	40	17	credit	credit	NOUN
easat-11297	40	18	scoring	scoring	NOUN
easat-11297	40	19	models	model	NOUN
easat-11297	40	20	[	[	X
easat-11297	40	21	7	7	NUM
easat-11297	40	22	]	]	PUNCT
easat-11297	40	23	.	.	PUNCT
easat-11297	41	1	ensemble	ensemble	ADJ
easat-11297	41	2	learning	learning	NOUN
easat-11297	41	3	,	,	PUNCT
easat-11297	41	4	when	when	SCONJ
easat-11297	41	5	combined	combine	VERB
easat-11297	41	6	with	with	ADP
easat-11297	41	7	deep	deep	ADJ
easat-11297	41	8	learning	learning	NOUN
easat-11297	41	9	techniques	technique	NOUN
easat-11297	41	10	like	like	ADP
easat-11297	41	11	cnns	cnn	NOUN
easat-11297	41	12	and	and	CCONJ
easat-11297	41	13	rnns	rnn	NOUN
easat-11297	41	14	,	,	PUNCT
easat-11297	41	15	can	can	AUX
easat-11297	41	16	enhance	enhance	VERB
easat-11297	41	17	accuracy	accuracy	NOUN
easat-11297	41	18	and	and	CCONJ
easat-11297	41	19	handle	handle	VERB
easat-11297	41	20	complex	complex	ADJ
easat-11297	41	21	data	datum	NOUN
easat-11297	41	22	,	,	PUNCT
easat-11297	41	23	addressing	address	VERB
easat-11297	41	24	the	the	DET
easat-11297	41	25	weaknesses	weakness	NOUN
easat-11297	41	26	of	of	ADP
easat-11297	41	27	traditional	traditional	ADJ
easat-11297	41	28	models	model	NOUN
easat-11297	41	29	[	[	X
easat-11297	41	30	8	8	NUM
easat-11297	41	31	,	,	PUNCT
easat-11297	41	32	9	9	NUM
easat-11297	41	33	]	]	PUNCT
easat-11297	41	34	.	.	PUNCT
easat-11297	42	1	in	in	ADP
easat-11297	42	2	addition	addition	NOUN
easat-11297	42	3	,	,	PUNCT
easat-11297	42	4	ensemble	ensemble	ADJ
easat-11297	42	5	learning	learning	NOUN
easat-11297	42	6	can	can	AUX
easat-11297	42	7	reduce	reduce	VERB
easat-11297	42	8	biases	bias	NOUN
easat-11297	42	9	and	and	CCONJ
easat-11297	42	10	improve	improve	VERB
easat-11297	42	11	model	model	NOUN
easat-11297	42	12	interpretability	interpretability	NOUN
easat-11297	42	13	,	,	PUNCT
easat-11297	42	14	ensuring	ensure	VERB
easat-11297	42	15	fairer	fair	ADJ
easat-11297	42	16	access	access	NOUN
easat-11297	42	17	to	to	ADP
easat-11297	42	18	credit	credit	NOUN
easat-11297	42	19	,	,	PUNCT
easat-11297	42	20	especially	especially	ADV
easat-11297	42	21	for	for	ADP
easat-11297	42	22	vulnerable	vulnerable	ADJ
easat-11297	42	23	groups	group	NOUN
easat-11297	42	24	.	.	PUNCT
easat-11297	43	1	this	this	DET
easat-11297	43	2	research	research	NOUN
easat-11297	43	3	aims	aim	VERB
easat-11297	43	4	to	to	PART
easat-11297	43	5	enhance	enhance	VERB
easat-11297	43	6	transparency	transparency	NOUN
easat-11297	43	7	and	and	CCONJ
easat-11297	43	8	confidence	confidence	NOUN
easat-11297	43	9	in	in	ADP
easat-11297	43	10	credit	credit	NOUN
easat-11297	43	11	scoring	scoring	NOUN
easat-11297	43	12	models	model	NOUN
easat-11297	43	13	.	.	PUNCT
easat-11297	44	1	1.2	1.2	NUM
easat-11297	44	2	.	.	PUNCT
easat-11297	44	3	research	research	NOUN
easat-11297	44	4	aim	aim	NOUN
easat-11297	44	5	and	and	CCONJ
easat-11297	44	6	objectives	objective	VERB
easat-11297	44	7	the	the	DET
easat-11297	44	8	aim	aim	NOUN
easat-11297	44	9	of	of	ADP
easat-11297	44	10	the	the	DET
easat-11297	44	11	research	research	NOUN
easat-11297	44	12	is	be	AUX
easat-11297	44	13	to	to	PART
easat-11297	44	14	propose	propose	VERB
easat-11297	44	15	and	and	CCONJ
easat-11297	44	16	test	test	VERB
easat-11297	44	17	an	an	DET
easat-11297	44	18	ensemble	ensemble	ADJ
easat-11297	44	19	learning	learning	NOUN
easat-11297	44	20	framework	framework	NOUN
easat-11297	44	21	integrated	integrate	VERB
easat-11297	44	22	with	with	ADP
easat-11297	44	23	deep	deep	ADJ
easat-11297	44	24	learning	learning	NOUN
easat-11297	44	25	approaches	approach	NOUN
easat-11297	44	26	to	to	PART
easat-11297	44	27	improve	improve	VERB
easat-11297	44	28	the	the	DET
easat-11297	44	29	credit	credit	NOUN
easat-11297	44	30	scoring	scoring	NOUN
easat-11297	44	31	models	model	NOUN
easat-11297	44	32	’	'	PUNCT
easat-11297	44	33	accuracy	accuracy	NOUN
easat-11297	44	34	,	,	PUNCT
easat-11297	44	35	fairness	fairness	NOUN
easat-11297	44	36	,	,	PUNCT
easat-11297	44	37	and	and	CCONJ
easat-11297	44	38	interpretability	interpretability	NOUN
easat-11297	44	39	.	.	PUNCT
easat-11297	45	1	thus	thus	ADV
easat-11297	45	2	,	,	PUNCT
easat-11297	45	3	this	this	DET
easat-11297	45	4	research	research	NOUN
easat-11297	45	5	aims	aim	VERB
easat-11297	45	6	to	to	PART
easat-11297	45	7	identify	identify	VERB
easat-11297	45	8	the	the	DET
easat-11297	45	9	shortcomings	shortcoming	NOUN
easat-11297	45	10	of	of	ADP
easat-11297	45	11	the	the	DET
easat-11297	45	12	conventional	conventional	ADJ
easat-11297	45	13	credit	credit	NOUN
easat-11297	45	14	scoring	scoring	NOUN
easat-11297	45	15	techniques	technique	NOUN
easat-11297	45	16	to	to	PART
easat-11297	45	17	develop	develop	VERB
easat-11297	45	18	a	a	DET
easat-11297	45	19	more	more	ADV
easat-11297	45	20	efficient	efficient	ADJ
easat-11297	45	21	and	and	CCONJ
easat-11297	45	22	accurate	accurate	ADJ
easat-11297	45	23	system	system	NOUN
easat-11297	45	24	for	for	ADP
easat-11297	45	25	evaluating	evaluate	VERB
easat-11297	45	26	borrowers	borrower	NOUN
easat-11297	45	27	.	.	PUNCT
easat-11297	46	1	1.2.1	1.2.1	NUM
easat-11297	46	2	.	.	X
easat-11297	46	3	objectives	objective	NOUN
easat-11297	46	4	•	•	ADP
easat-11297	46	5	to	to	PART
easat-11297	46	6	develop	develop	VERB
easat-11297	46	7	an	an	DET
easat-11297	46	8	ensemble	ensemble	ADJ
easat-11297	46	9	learning	learning	NOUN
easat-11297	46	10	framework	framework	NOUN
easat-11297	46	11	tailored	tailor	VERB
easat-11297	46	12	for	for	ADP
easat-11297	46	13	deep	deep	ADJ
easat-11297	46	14	learning	learning	NOUN
easat-11297	46	15	-	-	PUNCT
easat-11297	46	16	based	base	VERB
easat-11297	46	17	credit	credit	NOUN
easat-11297	46	18	scoring	scoring	NOUN
easat-11297	46	19	.	.	PUNCT
easat-11297	46	20	•	•	NUM
easat-11297	46	21	to	to	PART
easat-11297	46	22	investigate	investigate	VERB
easat-11297	46	23	techniques	technique	NOUN
easat-11297	46	24	to	to	PART
easat-11297	46	25	mitigate	mitigate	VERB
easat-11297	46	26	class	class	NOUN
easat-11297	46	27	imbalance	imbalance	NOUN
easat-11297	46	28	issues	issue	NOUN
easat-11297	46	29	in	in	ADP
easat-11297	46	30	credit	credit	NOUN
easat-11297	46	31	scoring	scoring	NOUN
easat-11297	46	32	datasets	dataset	NOUN
easat-11297	46	33	to	to	PART
easat-11297	46	34	improve	improve	VERB
easat-11297	46	35	model	model	NOUN
easat-11297	46	36	performance	performance	NOUN
easat-11297	46	37	and	and	CCONJ
easat-11297	46	38	fairness	fairness	NOUN
easat-11297	46	39	.	.	PUNCT
easat-11297	47	1	•	•	ADP
easat-11297	47	2	to	to	PART
easat-11297	47	3	develop	develop	VERB
easat-11297	47	4	methodologies	methodology	NOUN
easat-11297	47	5	to	to	PART
easat-11297	47	6	enhance	enhance	VERB
easat-11297	47	7	the	the	DET
easat-11297	47	8	interpretability	interpretability	NOUN
easat-11297	47	9	of	of	ADP
easat-11297	47	10	ensemble	ensemble	ADJ
easat-11297	47	11	models	model	NOUN
easat-11297	47	12	for	for	ADP
easat-11297	47	13	credit	credit	NOUN
easat-11297	47	14	scoring	scoring	NOUN
easat-11297	47	15	,	,	PUNCT
easat-11297	47	16	providing	provide	VERB
easat-11297	47	17	insights	insight	NOUN
easat-11297	47	18	into	into	ADP
easat-11297	47	19	decision	decision	NOUN
easat-11297	47	20	-	-	PUNCT
easat-11297	47	21	making	make	VERB
easat-11297	47	22	processes	process	NOUN
easat-11297	47	23	and	and	CCONJ
easat-11297	47	24	fostering	foster	VERB
easat-11297	47	25	transparency	transparency	NOUN
easat-11297	47	26	and	and	CCONJ
easat-11297	47	27	trust	trust	NOUN
easat-11297	47	28	.	.	PUNCT
easat-11297	48	1	•	•	ADP
easat-11297	48	2	to	to	PART
easat-11297	48	3	conduct	conduct	VERB
easat-11297	48	4	comprehensive	comprehensive	ADJ
easat-11297	48	5	evaluations	evaluation	NOUN
easat-11297	48	6	of	of	ADP
easat-11297	48	7	the	the	DET
easat-11297	48	8	developed	develop	VERB
easat-11297	48	9	ensemble	ensemble	ADJ
easat-11297	48	10	learning	learning	NOUN
easat-11297	48	11	framework	framework	NOUN
easat-11297	48	12	on	on	ADP
easat-11297	48	13	benchmark	benchmark	ADJ
easat-11297	48	14	credit	credit	NOUN
easat-11297	48	15	scoring	scoring	NOUN
easat-11297	48	16	datasets	dataset	NOUN
easat-11297	48	17	.	.	PUNCT
easat-11297	49	1	1.3	1.3	NUM
easat-11297	49	2	.	.	PUNCT
easat-11297	50	1	research	research	NOUN
easat-11297	50	2	questions	question	NOUN
easat-11297	50	3	1	1	NUM
easat-11297	50	4	.	.	PUNCT
easat-11297	51	1	what	what	PRON
easat-11297	51	2	are	be	AUX
easat-11297	51	3	the	the	DET
easat-11297	51	4	key	key	ADJ
easat-11297	51	5	components	component	NOUN
easat-11297	51	6	and	and	CCONJ
easat-11297	51	7	design	design	NOUN
easat-11297	51	8	considerations	consideration	NOUN
easat-11297	51	9	for	for	ADP
easat-11297	51	10	developing	develop	VERB
easat-11297	51	11	an	an	DET
easat-11297	51	12	ensemble	ensemble	ADJ
easat-11297	51	13	learning	learning	NOUN
easat-11297	51	14	framework	framework	NOUN
easat-11297	51	15	specifically	specifically	ADV
easat-11297	51	16	tailored	tailor	VERB
easat-11297	51	17	for	for	ADP
easat-11297	51	18	deep	deep	ADJ
easat-11297	51	19	learning	learning	NOUN
easat-11297	51	20	-	-	PUNCT
easat-11297	51	21	based	base	VERB
easat-11297	51	22	credit	credit	NOUN
easat-11297	51	23	scoring	scoring	NOUN
easat-11297	51	24	?	?	PUNCT
easat-11297	52	1	2	2	X
easat-11297	52	2	.	.	X
easat-11297	53	1	what	what	PRON
easat-11297	53	2	techniques	technique	NOUN
easat-11297	53	3	can	can	AUX
easat-11297	53	4	be	be	AUX
easat-11297	53	5	effectively	effectively	ADV
easat-11297	53	6	employed	employ	VERB
easat-11297	53	7	to	to	PART
easat-11297	53	8	mitigate	mitigate	VERB
easat-11297	53	9	class	class	NOUN
easat-11297	53	10	imbalance	imbalance	NOUN
easat-11297	53	11	issues	issue	NOUN
easat-11297	53	12	in	in	ADP
easat-11297	53	13	credit	credit	NOUN
easat-11297	53	14	scoring	scoring	NOUN
easat-11297	53	15	datasets	dataset	NOUN
easat-11297	53	16	,	,	PUNCT
easat-11297	53	17	and	and	CCONJ
easat-11297	53	18	how	how	SCONJ
easat-11297	53	19	do	do	AUX
easat-11297	53	20	these	these	DET
easat-11297	53	21	techniques	technique	NOUN
easat-11297	53	22	improve	improve	VERB
easat-11297	53	23	model	model	NOUN
easat-11297	53	24	performance	performance	NOUN
easat-11297	53	25	and	and	CCONJ
easat-11297	53	26	fairness	fairness	NOUN
easat-11297	53	27	?	?	PUNCT
easat-11297	54	1	3	3	X
easat-11297	54	2	.	.	X
easat-11297	55	1	what	what	PRON
easat-11297	55	2	methodologies	methodology	NOUN
easat-11297	55	3	can	can	AUX
easat-11297	55	4	be	be	AUX
easat-11297	55	5	developed	develop	VERB
easat-11297	55	6	to	to	PART
easat-11297	55	7	enhance	enhance	VERB
easat-11297	55	8	the	the	DET
easat-11297	55	9	interpretability	interpretability	NOUN
easat-11297	55	10	of	of	ADP
easat-11297	55	11	ensemble	ensemble	ADJ
easat-11297	55	12	models	model	NOUN
easat-11297	55	13	for	for	ADP
easat-11297	55	14	credit	credit	NOUN
easat-11297	55	15	scoring	scoring	NOUN
easat-11297	55	16	,	,	PUNCT
easat-11297	55	17	enabling	enable	VERB
easat-11297	55	18	insights	insight	NOUN
easat-11297	55	19	into	into	ADP
easat-11297	55	20	decision	decision	NOUN
easat-11297	55	21	-	-	PUNCT
easat-11297	55	22	making	make	VERB
easat-11297	55	23	processes	process	NOUN
easat-11297	55	24	and	and	CCONJ
easat-11297	55	25	fostering	foster	VERB
easat-11297	55	26	transparency	transparency	NOUN
easat-11297	55	27	and	and	CCONJ
easat-11297	55	28	trust	trust	NOUN
easat-11297	55	29	?	?	PUNCT
easat-11297	56	1	4	4	X
easat-11297	56	2	.	.	X
easat-11297	56	3	how	how	SCONJ
easat-11297	56	4	does	do	AUX
easat-11297	56	5	the	the	DET
easat-11297	56	6	developed	develop	VERB
easat-11297	56	7	ensemble	ensemble	ADJ
easat-11297	56	8	learning	learning	NOUN
easat-11297	56	9	framework	framework	NOUN
easat-11297	56	10	perform	perform	VERB
easat-11297	56	11	in	in	ADP
easat-11297	56	12	terms	term	NOUN
easat-11297	56	13	of	of	ADP
easat-11297	56	14	predictive	predictive	ADJ
easat-11297	56	15	accuracy	accuracy	NOUN
easat-11297	56	16	,	,	PUNCT
easat-11297	56	17	robustness	robustness	NOUN
easat-11297	56	18	,	,	PUNCT
easat-11297	56	19	and	and	CCONJ
easat-11297	56	20	computational	computational	ADJ
easat-11297	56	21	efficiency	efficiency	NOUN
easat-11297	56	22	when	when	SCONJ
easat-11297	56	23	evaluated	evaluate	VERB
easat-11297	56	24	on	on	ADP
easat-11297	56	25	benchmark	benchmark	ADJ
easat-11297	56	26	credit	credit	NOUN
easat-11297	56	27	scoring	scoring	NOUN
easat-11297	56	28	datasets	dataset	NOUN
easat-11297	56	29	?	?	PUNCT
easat-11297	57	1	2	2	X
easat-11297	57	2	.	.	X
easat-11297	57	3	literature	literature	NOUN
easat-11297	57	4	review	review	NOUN
easat-11297	57	5	credit	credit	NOUN
easat-11297	57	6	scoring	scoring	NOUN
easat-11297	57	7	has	have	AUX
easat-11297	57	8	evolved	evolve	VERB
easat-11297	57	9	from	from	ADP
easat-11297	57	10	simple	simple	ADJ
easat-11297	57	11	statistical	statistical	ADJ
easat-11297	57	12	methods	method	NOUN
easat-11297	57	13	to	to	ADP
easat-11297	57	14	more	more	ADV
easat-11297	57	15	complex	complex	ADJ
easat-11297	57	16	machine	machine	NOUN
easat-11297	57	17	learning	learning	NOUN
easat-11297	57	18	and	and	CCONJ
easat-11297	57	19	deep	deep	ADJ
easat-11297	57	20	learning	learning	NOUN
easat-11297	57	21	techniques	technique	NOUN
easat-11297	57	22	.	.	PUNCT
easat-11297	58	1	due	due	ADP
easat-11297	58	2	to	to	ADP
easat-11297	58	3	the	the	DET
easat-11297	58	4	complexity	complexity	NOUN
easat-11297	58	5	of	of	ADP
easat-11297	58	6	financial	financial	ADJ
easat-11297	58	7	data	datum	NOUN
easat-11297	58	8	,	,	PUNCT
easat-11297	58	9	the	the	DET
easat-11297	58	10	limitations	limitation	NOUN
easat-11297	58	11	of	of	ADP
easat-11297	58	12	conventional	conventional	ADJ
easat-11297	58	13	models	model	NOUN
easat-11297	58	14	126	126	NUM
easat-11297	58	15	edelweiss	edelweiss	PROPN
easat-11297	58	16	applied	apply	VERB
easat-11297	58	17	science	science	NOUN
easat-11297	58	18	and	and	CCONJ
easat-11297	58	19	technology	technology	NOUN
easat-11297	58	20	issn	issn	PROPN
easat-11297	58	21	:	:	PUNCT
easat-11297	58	22	2576	2576	NUM
easat-11297	58	23	-	-	SYM
easat-11297	58	24	8484	8484	NUM
easat-11297	58	25	vol	vol	NOUN
easat-11297	58	26	.	.	PROPN
easat-11297	58	27	9	9	NUM
easat-11297	58	28	,	,	PUNCT
easat-11297	58	29	no	no	INTJ
easat-11297	58	30	.	.	NOUN
easat-11297	58	31	12	12	NUM
easat-11297	58	32	:	:	PUNCT
easat-11297	58	33	124	124	NUM
easat-11297	58	34	-	-	SYM
easat-11297	58	35	147	147	NUM
easat-11297	58	36	,	,	PUNCT
easat-11297	58	37	2025	2025	NUM
easat-11297	58	38	doi	doi	NOUN
easat-11297	58	39	:	:	PUNCT
easat-11297	58	40	10.55214/2576	10.55214/2576	NUM
easat-11297	58	41	-	-	SYM
easat-11297	58	42	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	59	1	©	©	PROPN
easat-11297	59	2	2025	2025	NUM
easat-11297	59	3	by	by	ADP
easat-11297	59	4	the	the	DET
easat-11297	59	5	authors	author	NOUN
easat-11297	59	6	;	;	PUNCT
easat-11297	59	7	licensee	licensee	PROPN
easat-11297	59	8	learning	learning	NOUN
easat-11297	59	9	gate	gate	NOUN
easat-11297	59	10	are	be	AUX
easat-11297	59	11	increasingly	increasingly	ADV
easat-11297	59	12	evident	evident	ADJ
easat-11297	59	13	,	,	PUNCT
easat-11297	59	14	leading	lead	VERB
easat-11297	59	15	to	to	ADP
easat-11297	59	16	the	the	DET
easat-11297	59	17	adoption	adoption	NOUN
easat-11297	59	18	of	of	ADP
easat-11297	59	19	advanced	advanced	ADJ
easat-11297	59	20	models	model	NOUN
easat-11297	59	21	.	.	PUNCT
easat-11297	60	1	this	this	DET
easat-11297	60	2	chapter	chapter	NOUN
easat-11297	60	3	provides	provide	VERB
easat-11297	60	4	a	a	DET
easat-11297	60	5	review	review	NOUN
easat-11297	60	6	of	of	ADP
easat-11297	60	7	the	the	DET
easat-11297	60	8	literature	literature	NOUN
easat-11297	60	9	on	on	ADP
easat-11297	60	10	credit	credit	NOUN
easat-11297	60	11	scoring	scoring	NOUN
easat-11297	60	12	,	,	PUNCT
easat-11297	60	13	emphasizing	emphasize	VERB
easat-11297	60	14	traditional	traditional	ADJ
easat-11297	60	15	methods	method	NOUN
easat-11297	60	16	,	,	PUNCT
easat-11297	60	17	recent	recent	ADJ
easat-11297	60	18	advances	advance	NOUN
easat-11297	60	19	in	in	ADP
easat-11297	60	20	machine	machine	NOUN
easat-11297	60	21	learning	learning	NOUN
easat-11297	60	22	,	,	PUNCT
easat-11297	60	23	deep	deep	ADJ
easat-11297	60	24	learning	learning	NOUN
easat-11297	60	25	techniques	technique	NOUN
easat-11297	60	26	,	,	PUNCT
easat-11297	60	27	and	and	CCONJ
easat-11297	60	28	ensemble	ensemble	ADJ
easat-11297	60	29	learning	learning	NOUN
easat-11297	60	30	.	.	PUNCT
easat-11297	61	1	additionally	additionally	ADV
easat-11297	61	2	,	,	PUNCT
easat-11297	61	3	it	it	PRON
easat-11297	61	4	discusses	discuss	VERB
easat-11297	61	5	ethical	ethical	ADJ
easat-11297	61	6	issues	issue	NOUN
easat-11297	61	7	related	relate	VERB
easat-11297	61	8	to	to	ADP
easat-11297	61	9	credit	credit	NOUN
easat-11297	61	10	scoring	scoring	NOUN
easat-11297	61	11	,	,	PUNCT
easat-11297	61	12	including	include	VERB
easat-11297	61	13	fairness	fairness	NOUN
easat-11297	61	14	and	and	CCONJ
easat-11297	61	15	transparency	transparency	NOUN
easat-11297	61	16	,	,	PUNCT
easat-11297	61	17	highlighting	highlight	VERB
easat-11297	61	18	the	the	DET
easat-11297	61	19	challenges	challenge	NOUN
easat-11297	61	20	and	and	CCONJ
easat-11297	61	21	opportunities	opportunity	NOUN
easat-11297	61	22	associated	associate	VERB
easat-11297	61	23	with	with	ADP
easat-11297	61	24	contemporary	contemporary	ADJ
easat-11297	61	25	credit	credit	NOUN
easat-11297	61	26	assessment	assessment	NOUN
easat-11297	61	27	methods	method	NOUN
easat-11297	61	28	.	.	PUNCT
easat-11297	62	1	2.1	2.1	NUM
easat-11297	62	2	.	.	PUNCT
easat-11297	62	3	credit	credit	NOUN
easat-11297	62	4	scoring	scoring	NOUN
easat-11297	62	5	models	model	NOUN
easat-11297	62	6	credit	credit	NOUN
easat-11297	62	7	scoring	scoring	NOUN
easat-11297	62	8	is	be	AUX
easat-11297	62	9	a	a	DET
easat-11297	62	10	vital	vital	ADJ
easat-11297	62	11	process	process	NOUN
easat-11297	62	12	in	in	ADP
easat-11297	62	13	assessing	assess	VERB
easat-11297	62	14	the	the	DET
easat-11297	62	15	creditworthiness	creditworthiness	NOUN
easat-11297	62	16	of	of	ADP
easat-11297	62	17	individuals	individual	NOUN
easat-11297	62	18	and	and	CCONJ
easat-11297	62	19	businesses	business	NOUN
easat-11297	62	20	.	.	PUNCT
easat-11297	63	1	initially	initially	ADV
easat-11297	63	2	,	,	PUNCT
easat-11297	63	3	scoring	scoring	NOUN
easat-11297	63	4	models	model	NOUN
easat-11297	63	5	relied	rely	VERB
easat-11297	63	6	on	on	ADP
easat-11297	63	7	statistical	statistical	ADJ
easat-11297	63	8	techniques	technique	NOUN
easat-11297	63	9	like	like	ADP
easat-11297	63	10	logistic	logistic	ADJ
easat-11297	63	11	regression	regression	NOUN
easat-11297	63	12	,	,	PUNCT
easat-11297	63	13	which	which	PRON
easat-11297	63	14	used	use	VERB
easat-11297	63	15	factors	factor	NOUN
easat-11297	63	16	such	such	ADJ
easat-11297	63	17	as	as	ADP
easat-11297	63	18	income	income	NOUN
easat-11297	63	19	,	,	PUNCT
easat-11297	63	20	credit	credit	NOUN
easat-11297	63	21	history	history	NOUN
easat-11297	63	22	,	,	PUNCT
easat-11297	63	23	and	and	CCONJ
easat-11297	63	24	debt	debt	NOUN
easat-11297	63	25	to	to	PART
easat-11297	63	26	predict	predict	VERB
easat-11297	63	27	credit	credit	NOUN
easat-11297	63	28	risk	risk	NOUN
easat-11297	63	29	[	[	X
easat-11297	63	30	10	10	NUM
easat-11297	63	31	]	]	PUNCT
easat-11297	63	32	.	.	PUNCT
easat-11297	64	1	however	however	ADV
easat-11297	64	2	,	,	PUNCT
easat-11297	64	3	as	as	SCONJ
easat-11297	64	4	financial	financial	ADJ
easat-11297	64	5	risks	risk	NOUN
easat-11297	64	6	and	and	CCONJ
easat-11297	64	7	data	datum	NOUN
easat-11297	64	8	complexity	complexity	NOUN
easat-11297	64	9	grew	grow	VERB
easat-11297	64	10	,	,	PUNCT
easat-11297	64	11	these	these	DET
easat-11297	64	12	models	model	NOUN
easat-11297	64	13	became	become	VERB
easat-11297	64	14	less	less	ADV
easat-11297	64	15	effective	effective	ADJ
easat-11297	64	16	.	.	PUNCT
easat-11297	65	1	modern	modern	ADJ
easat-11297	65	2	techniques	technique	NOUN
easat-11297	65	3	now	now	ADV
easat-11297	65	4	incorporate	incorporate	VERB
easat-11297	65	5	diverse	diverse	ADJ
easat-11297	65	6	data	datum	NOUN
easat-11297	65	7	sources	source	NOUN
easat-11297	65	8	,	,	PUNCT
easat-11297	65	9	including	include	VERB
easat-11297	65	10	social	social	ADJ
easat-11297	65	11	media	medium	NOUN
easat-11297	65	12	and	and	CCONJ
easat-11297	65	13	transaction	transaction	NOUN
easat-11297	65	14	behavior	behavior	NOUN
easat-11297	65	15	,	,	PUNCT
easat-11297	65	16	offering	offer	VERB
easat-11297	65	17	better	well	ADJ
easat-11297	65	18	calibration	calibration	NOUN
easat-11297	65	19	but	but	CCONJ
easat-11297	65	20	also	also	ADV
easat-11297	65	21	raising	raise	VERB
easat-11297	65	22	concerns	concern	NOUN
easat-11297	65	23	about	about	ADP
easat-11297	65	24	data	datum	NOUN
easat-11297	65	25	quality	quality	NOUN
easat-11297	65	26	,	,	PUNCT
easat-11297	65	27	bias	bias	NOUN
easat-11297	65	28	,	,	PUNCT
easat-11297	65	29	and	and	CCONJ
easat-11297	65	30	explainability	explainability	NOUN
easat-11297	65	31	[	[	X
easat-11297	65	32	11	11	NUM
easat-11297	65	33	]	]	PUNCT
easat-11297	65	34	.	.	PUNCT
easat-11297	66	1	2.2	2.2	NUM
easat-11297	66	2	.	.	PUNCT
easat-11297	67	1	traditional	traditional	ADJ
easat-11297	67	2	credit	credit	NOUN
easat-11297	67	3	scoring	scoring	NOUN
easat-11297	67	4	methods	method	NOUN
easat-11297	67	5	traditional	traditional	ADJ
easat-11297	67	6	credit	credit	NOUN
easat-11297	67	7	scoring	scoring	NOUN
easat-11297	67	8	methods	method	NOUN
easat-11297	67	9	,	,	PUNCT
easat-11297	67	10	including	include	VERB
easat-11297	67	11	logistic	logistic	ADJ
easat-11297	67	12	regression	regression	NOUN
easat-11297	67	13	and	and	CCONJ
easat-11297	67	14	discriminant	discriminant	ADJ
easat-11297	67	15	analysis	analysis	NOUN
easat-11297	67	16	,	,	PUNCT
easat-11297	67	17	have	have	AUX
easat-11297	67	18	been	be	AUX
easat-11297	67	19	the	the	DET
easat-11297	67	20	backbone	backbone	NOUN
easat-11297	67	21	of	of	ADP
easat-11297	67	22	credit	credit	NOUN
easat-11297	67	23	risk	risk	NOUN
easat-11297	67	24	evaluation	evaluation	NOUN
easat-11297	67	25	.	.	PUNCT
easat-11297	68	1	these	these	DET
easat-11297	68	2	models	model	NOUN
easat-11297	68	3	assess	assess	VERB
easat-11297	68	4	the	the	DET
easat-11297	68	5	relationship	relationship	NOUN
easat-11297	68	6	between	between	ADP
easat-11297	68	7	independent	independent	ADJ
easat-11297	68	8	variables	variable	NOUN
easat-11297	68	9	(	(	PUNCT
easat-11297	68	10	e.g.	e.g.	ADV
easat-11297	68	11	,	,	PUNCT
easat-11297	68	12	income	income	NOUN
easat-11297	68	13	,	,	PUNCT
easat-11297	68	14	credit	credit	NOUN
easat-11297	68	15	history	history	NOUN
easat-11297	68	16	)	)	PUNCT
easat-11297	68	17	and	and	CCONJ
easat-11297	68	18	the	the	DET
easat-11297	68	19	likelihood	likelihood	NOUN
easat-11297	68	20	of	of	ADP
easat-11297	68	21	default	default	NOUN
easat-11297	68	22	[	[	X
easat-11297	68	23	12	12	NUM
easat-11297	68	24	]	]	PUNCT
easat-11297	68	25	.	.	PUNCT
easat-11297	69	1	however	however	ADV
easat-11297	69	2	,	,	PUNCT
easat-11297	69	3	their	their	PRON
easat-11297	69	4	linear	linear	ADJ
easat-11297	69	5	assumptions	assumption	NOUN
easat-11297	69	6	limit	limit	VERB
easat-11297	69	7	their	their	PRON
easat-11297	69	8	ability	ability	NOUN
easat-11297	69	9	to	to	PART
easat-11297	69	10	model	model	VERB
easat-11297	69	11	complex	complex	ADJ
easat-11297	69	12	relationships	relationship	NOUN
easat-11297	69	13	in	in	ADP
easat-11297	69	14	real	real	ADJ
easat-11297	69	15	-	-	PUNCT
easat-11297	69	16	world	world	NOUN
easat-11297	69	17	data	datum	NOUN
easat-11297	69	18	[	[	X
easat-11297	69	19	13	13	NUM
easat-11297	69	20	]	]	PUNCT
easat-11297	69	21	.	.	PUNCT
easat-11297	70	1	they	they	PRON
easat-11297	70	2	also	also	ADV
easat-11297	70	3	fail	fail	VERB
easat-11297	70	4	to	to	PART
easat-11297	70	5	incorporate	incorporate	VERB
easat-11297	70	6	unstructured	unstructured	ADJ
easat-11297	70	7	data	datum	NOUN
easat-11297	70	8	and	and	CCONJ
easat-11297	70	9	are	be	AUX
easat-11297	70	10	prone	prone	ADJ
easat-11297	70	11	to	to	ADP
easat-11297	70	12	biases	bias	NOUN
easat-11297	70	13	,	,	PUNCT
easat-11297	70	14	particularly	particularly	ADV
easat-11297	70	15	in	in	ADP
easat-11297	70	16	underrepresented	underrepresented	ADJ
easat-11297	70	17	demographics	demographic	NOUN
easat-11297	70	18	[	[	X
easat-11297	70	19	14	14	NUM
easat-11297	70	20	]	]	PUNCT
easat-11297	70	21	.	.	PUNCT
easat-11297	71	1	in	in	ADP
easat-11297	71	2	addition	addition	NOUN
easat-11297	71	3	,	,	PUNCT
easat-11297	71	4	scorecards	scorecard	NOUN
easat-11297	71	5	,	,	PUNCT
easat-11297	71	6	which	which	PRON
easat-11297	71	7	assign	assign	VERB
easat-11297	71	8	points	point	NOUN
easat-11297	71	9	based	base	VERB
easat-11297	71	10	on	on	ADP
easat-11297	71	11	credit	credit	NOUN
easat-11297	71	12	characteristics	characteristic	NOUN
easat-11297	71	13	,	,	PUNCT
easat-11297	71	14	fail	fail	VERB
easat-11297	71	15	to	to	PART
easat-11297	71	16	account	account	VERB
easat-11297	71	17	for	for	ADP
easat-11297	71	18	variable	variable	ADJ
easat-11297	71	19	correlations	correlation	NOUN
easat-11297	71	20	,	,	PUNCT
easat-11297	71	21	leading	lead	VERB
easat-11297	71	22	to	to	ADP
easat-11297	71	23	oversimplified	oversimplified	ADJ
easat-11297	71	24	evaluations	evaluation	NOUN
easat-11297	71	25	.	.	PUNCT
easat-11297	72	1	2.3	2.3	NUM
easat-11297	72	2	.	.	PUNCT
easat-11297	72	3	machine	machine	NOUN
easat-11297	72	4	learning	learning	NOUN
easat-11297	72	5	in	in	ADP
easat-11297	72	6	credit	credit	NOUN
easat-11297	72	7	scoring	scoring	NOUN
easat-11297	72	8	machine	machine	NOUN
easat-11297	72	9	learning	learning	NOUN
easat-11297	72	10	(	(	PUNCT
easat-11297	72	11	ml	ml	NOUN
easat-11297	72	12	)	)	PUNCT
easat-11297	72	13	techniques	technique	NOUN
easat-11297	72	14	have	have	AUX
easat-11297	72	15	emerged	emerge	VERB
easat-11297	72	16	as	as	ADP
easat-11297	72	17	more	more	ADV
easat-11297	72	18	effective	effective	ADJ
easat-11297	72	19	alternatives	alternative	NOUN
easat-11297	72	20	,	,	PUNCT
easat-11297	72	21	handling	handle	VERB
easat-11297	72	22	large	large	ADJ
easat-11297	72	23	datasets	dataset	NOUN
easat-11297	72	24	without	without	ADP
easat-11297	72	25	assuming	assume	VERB
easat-11297	72	26	linear	linear	ADJ
easat-11297	72	27	relationships	relationship	NOUN
easat-11297	72	28	.	.	PUNCT
easat-11297	73	1	initial	initial	ADJ
easat-11297	73	2	models	model	NOUN
easat-11297	73	3	like	like	ADP
easat-11297	73	4	decision	decision	NOUN
easat-11297	73	5	trees	tree	NOUN
easat-11297	73	6	were	be	AUX
easat-11297	73	7	simple	simple	ADJ
easat-11297	73	8	to	to	PART
easat-11297	73	9	interpret	interpret	VERB
easat-11297	73	10	but	but	CCONJ
easat-11297	73	11	prone	prone	ADJ
easat-11297	73	12	to	to	ADP
easat-11297	73	13	overfitting	overfitte	VERB
easat-11297	73	14	and	and	CCONJ
easat-11297	73	15	inefficiency	inefficiency	NOUN
easat-11297	73	16	in	in	ADP
easat-11297	73	17	unseen	unseen	ADJ
easat-11297	73	18	data	datum	NOUN
easat-11297	73	19	classification	classification	NOUN
easat-11297	73	20	[	[	X
easat-11297	73	21	4	4	NUM
easat-11297	73	22	,	,	PUNCT
easat-11297	73	23	15	15	NUM
easat-11297	73	24	]	]	PUNCT
easat-11297	73	25	.	.	PUNCT
easat-11297	74	1	techniques	technique	NOUN
easat-11297	74	2	such	such	ADJ
easat-11297	74	3	as	as	ADP
easat-11297	74	4	random	random	ADJ
easat-11297	74	5	forests	forest	NOUN
easat-11297	74	6	and	and	CCONJ
easat-11297	74	7	gradient	gradient	ADJ
easat-11297	74	8	boosting	boost	VERB
easat-11297	74	9	machines	machine	NOUN
easat-11297	74	10	(	(	PUNCT
easat-11297	74	11	gbms	gbms	NOUN
easat-11297	74	12	)	)	PUNCT
easat-11297	74	13	address	address	NOUN
easat-11297	74	14	these	these	DET
easat-11297	74	15	issues	issue	NOUN
easat-11297	74	16	by	by	ADP
easat-11297	74	17	using	use	VERB
easat-11297	74	18	multiple	multiple	ADJ
easat-11297	74	19	models	model	NOUN
easat-11297	74	20	to	to	PART
easat-11297	74	21	improve	improve	VERB
easat-11297	74	22	prediction	prediction	NOUN
easat-11297	74	23	accuracy	accuracy	NOUN
easat-11297	75	1	[	[	X
easat-11297	75	2	16	16	NUM
easat-11297	75	3	]	]	PUNCT
easat-11297	75	4	.	.	PUNCT
easat-11297	76	1	support	support	NOUN
easat-11297	76	2	vector	vector	NOUN
easat-11297	76	3	machines	machine	NOUN
easat-11297	76	4	(	(	PUNCT
easat-11297	76	5	svms	svms	NOUN
easat-11297	76	6	)	)	PUNCT
easat-11297	76	7	are	be	AUX
easat-11297	76	8	also	also	ADV
easat-11297	76	9	useful	useful	ADJ
easat-11297	76	10	for	for	ADP
easat-11297	76	11	highdimensional	highdimensional	NOUN
easat-11297	76	12	,	,	PUNCT
easat-11297	76	13	non	non	ADJ
easat-11297	76	14	-	-	ADJ
easat-11297	76	15	linear	linear	ADJ
easat-11297	76	16	data	datum	NOUN
easat-11297	76	17	[	[	X
easat-11297	76	18	17	17	NUM
easat-11297	76	19	]	]	PUNCT
easat-11297	76	20	.	.	PUNCT
easat-11297	77	1	while	while	SCONJ
easat-11297	77	2	these	these	DET
easat-11297	77	3	models	model	NOUN
easat-11297	77	4	offer	offer	VERB
easat-11297	77	5	better	well	ADJ
easat-11297	77	6	accuracy	accuracy	NOUN
easat-11297	77	7	,	,	PUNCT
easat-11297	77	8	they	they	PRON
easat-11297	77	9	lack	lack	VERB
easat-11297	77	10	interpretability	interpretability	NOUN
easat-11297	77	11	,	,	PUNCT
easat-11297	77	12	which	which	PRON
easat-11297	77	13	is	be	AUX
easat-11297	77	14	a	a	DET
easat-11297	77	15	critical	critical	ADJ
easat-11297	77	16	issue	issue	NOUN
easat-11297	77	17	in	in	ADP
easat-11297	77	18	regulated	regulated	ADJ
easat-11297	77	19	industries	industry	NOUN
easat-11297	77	20	such	such	ADJ
easat-11297	77	21	as	as	ADP
easat-11297	77	22	finance	finance	NOUN
easat-11297	77	23	[	[	X
easat-11297	77	24	11	11	NUM
easat-11297	77	25	]	]	PUNCT
easat-11297	77	26	.	.	PUNCT
easat-11297	78	1	figure	figure	NOUN
easat-11297	78	2	1	1	NUM
easat-11297	78	3	.	.	PUNCT
easat-11297	79	1	flow	flow	NOUN
easat-11297	79	2	of	of	ADP
easat-11297	79	3	credit	credit	NOUN
easat-11297	79	4	scoring	scoring	NOUN
easat-11297	79	5	using	use	VERB
easat-11297	79	6	machine	machine	NOUN
easat-11297	79	7	learning	learning	NOUN
easat-11297	79	8	.	.	PUNCT
easat-11297	80	1	source	source	NOUN
easat-11297	80	2	:	:	PUNCT
easat-11297	80	3	dwifiani	dwifiani	PROPN
easat-11297	81	1	[	[	X
easat-11297	81	2	18	18	NUM
easat-11297	81	3	]	]	PUNCT
easat-11297	81	4	.	.	PUNCT
easat-11297	82	1	127	127	NUM
easat-11297	82	2	edelweiss	edelweiss	PROPN
easat-11297	82	3	applied	apply	VERB
easat-11297	82	4	science	science	NOUN
easat-11297	82	5	and	and	CCONJ
easat-11297	82	6	technology	technology	NOUN
easat-11297	82	7	issn	issn	PROPN
easat-11297	82	8	:	:	PUNCT
easat-11297	82	9	2576	2576	NUM
easat-11297	82	10	-	-	SYM
easat-11297	82	11	8484	8484	NUM
easat-11297	82	12	vol	vol	NOUN
easat-11297	82	13	.	.	PROPN
easat-11297	83	1	9	9	NUM
easat-11297	83	2	,	,	PUNCT
easat-11297	83	3	no	no	INTJ
easat-11297	83	4	.	.	NOUN
easat-11297	83	5	12	12	NUM
easat-11297	83	6	:	:	PUNCT
easat-11297	83	7	124	124	NUM
easat-11297	83	8	-	-	SYM
easat-11297	83	9	147	147	NUM
easat-11297	83	10	,	,	PUNCT
easat-11297	83	11	2025	2025	NUM
easat-11297	83	12	doi	doi	NOUN
easat-11297	83	13	:	:	PUNCT
easat-11297	83	14	10.55214/2576	10.55214/2576	NUM
easat-11297	83	15	-	-	SYM
easat-11297	83	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	84	1	©	©	PROPN
easat-11297	84	2	2025	2025	NUM
easat-11297	84	3	by	by	ADP
easat-11297	84	4	the	the	DET
easat-11297	84	5	authors	author	NOUN
easat-11297	84	6	;	;	PUNCT
easat-11297	84	7	licensee	licensee	PROPN
easat-11297	84	8	learning	learning	NOUN
easat-11297	84	9	gate	gate	NOUN
easat-11297	84	10	2.4	2.4	NUM
easat-11297	84	11	.	.	PUNCT
easat-11297	85	1	ensemble	ensemble	ADJ
easat-11297	85	2	learning	learning	NOUN
easat-11297	85	3	in	in	ADP
easat-11297	85	4	credit	credit	NOUN
easat-11297	85	5	scoring	scoring	NOUN
easat-11297	85	6	ensemble	ensemble	ADJ
easat-11297	85	7	learning	learning	NOUN
easat-11297	85	8	combines	combine	VERB
easat-11297	85	9	multiple	multiple	ADJ
easat-11297	85	10	models	model	NOUN
easat-11297	85	11	to	to	PART
easat-11297	85	12	improve	improve	VERB
easat-11297	85	13	prediction	prediction	NOUN
easat-11297	85	14	accuracy	accuracy	NOUN
easat-11297	85	15	and	and	CCONJ
easat-11297	85	16	reduce	reduce	VERB
easat-11297	85	17	bias	bias	NOUN
easat-11297	85	18	.	.	PUNCT
easat-11297	86	1	bagging	bagging	NOUN
easat-11297	86	2	(	(	PUNCT
easat-11297	86	3	e.g.	e.g.	ADV
easat-11297	86	4	,	,	PUNCT
easat-11297	86	5	random	random	ADJ
easat-11297	86	6	forests	forest	NOUN
easat-11297	86	7	)	)	PUNCT
easat-11297	86	8	,	,	PUNCT
easat-11297	86	9	boosting	boost	VERB
easat-11297	86	10	(	(	PUNCT
easat-11297	86	11	e.g.	e.g.	ADV
easat-11297	86	12	,	,	PUNCT
easat-11297	86	13	gbms	gbms	NOUN
easat-11297	86	14	,	,	PUNCT
easat-11297	86	15	xgboost	xgboost	ADV
easat-11297	86	16	)	)	PUNCT
easat-11297	86	17	,	,	PUNCT
easat-11297	86	18	and	and	CCONJ
easat-11297	86	19	stacking	stacking	NOUN
easat-11297	86	20	are	be	AUX
easat-11297	86	21	common	common	ADJ
easat-11297	86	22	ensemble	ensemble	ADJ
easat-11297	86	23	methods	method	NOUN
easat-11297	86	24	used	use	VERB
easat-11297	86	25	in	in	ADP
easat-11297	86	26	credit	credit	NOUN
easat-11297	86	27	scoring	scoring	NOUN
easat-11297	86	28	[	[	X
easat-11297	86	29	19	19	NUM
easat-11297	86	30	]	]	PUNCT
easat-11297	86	31	.	.	PUNCT
easat-11297	87	1	bagging	bagging	NOUN
easat-11297	87	2	reduces	reduce	VERB
easat-11297	87	3	variance	variance	NOUN
easat-11297	87	4	and	and	CCONJ
easat-11297	87	5	overfitting	overfitting	NOUN
easat-11297	87	6	by	by	ADP
easat-11297	87	7	training	training	NOUN
easat-11297	87	8	models	model	NOUN
easat-11297	87	9	on	on	ADP
easat-11297	87	10	random	random	ADJ
easat-11297	87	11	subsets	subset	NOUN
easat-11297	87	12	of	of	ADP
easat-11297	87	13	data	datum	NOUN
easat-11297	87	14	,	,	PUNCT
easat-11297	87	15	while	while	SCONJ
easat-11297	87	16	boosting	boost	VERB
easat-11297	87	17	focuses	focus	VERB
easat-11297	87	18	on	on	ADP
easat-11297	87	19	correcting	correct	VERB
easat-11297	87	20	errors	error	NOUN
easat-11297	87	21	in	in	ADP
easat-11297	87	22	previous	previous	ADJ
easat-11297	87	23	models	model	NOUN
easat-11297	87	24	.	.	PUNCT
easat-11297	88	1	these	these	DET
easat-11297	88	2	methods	method	NOUN
easat-11297	88	3	are	be	AUX
easat-11297	88	4	particularly	particularly	ADV
easat-11297	88	5	effective	effective	ADJ
easat-11297	88	6	in	in	ADP
easat-11297	88	7	handling	handle	VERB
easat-11297	88	8	imbalanced	imbalanced	ADJ
easat-11297	88	9	datasets	dataset	NOUN
easat-11297	88	10	and	and	CCONJ
easat-11297	88	11	improving	improve	VERB
easat-11297	88	12	model	model	NOUN
easat-11297	88	13	accuracy	accuracy	NOUN
easat-11297	88	14	[	[	X
easat-11297	88	15	20	20	NUM
easat-11297	88	16	]	]	PUNCT
easat-11297	88	17	.	.	PUNCT
easat-11297	89	1	however	however	ADV
easat-11297	89	2	,	,	PUNCT
easat-11297	89	3	ensemble	ensemble	ADJ
easat-11297	89	4	methods	method	NOUN
easat-11297	89	5	also	also	ADV
easat-11297	89	6	suffer	suffer	VERB
easat-11297	89	7	from	from	ADP
easat-11297	89	8	the	the	DET
easat-11297	89	9	"	"	PUNCT
easat-11297	89	10	black	black	ADJ
easat-11297	89	11	box	box	NOUN
easat-11297	89	12	"	"	PUNCT
easat-11297	89	13	problem	problem	NOUN
easat-11297	89	14	,	,	PUNCT
easat-11297	89	15	making	make	VERB
easat-11297	89	16	it	it	PRON
easat-11297	89	17	difficult	difficult	ADJ
easat-11297	89	18	to	to	PART
easat-11297	89	19	explain	explain	VERB
easat-11297	89	20	the	the	DET
easat-11297	89	21	decision	decision	NOUN
easat-11297	89	22	-	-	PUNCT
easat-11297	89	23	making	make	VERB
easat-11297	89	24	process	process	NOUN
easat-11297	89	25	[	[	X
easat-11297	89	26	21	21	NUM
easat-11297	89	27	]	]	PUNCT
easat-11297	89	28	.	.	PUNCT
easat-11297	90	1	2.5	2.5	NUM
easat-11297	90	2	.	.	PUNCT
easat-11297	90	3	fairness	fairness	NOUN
easat-11297	90	4	and	and	CCONJ
easat-11297	90	5	ethical	ethical	ADJ
easat-11297	90	6	considerations	consideration	NOUN
easat-11297	90	7	as	as	SCONJ
easat-11297	90	8	credit	credit	NOUN
easat-11297	90	9	scoring	scoring	NOUN
easat-11297	90	10	models	model	NOUN
easat-11297	90	11	become	become	VERB
easat-11297	90	12	more	more	ADV
easat-11297	90	13	advanced	advanced	ADJ
easat-11297	90	14	,	,	PUNCT
easat-11297	90	15	issues	issue	NOUN
easat-11297	90	16	of	of	ADP
easat-11297	90	17	fairness	fairness	NOUN
easat-11297	90	18	and	and	CCONJ
easat-11297	90	19	bias	bias	NOUN
easat-11297	90	20	have	have	AUX
easat-11297	90	21	gained	gain	VERB
easat-11297	90	22	importance	importance	NOUN
easat-11297	90	23	.	.	PUNCT
easat-11297	91	1	ml	ml	NOUN
easat-11297	91	2	models	model	NOUN
easat-11297	91	3	,	,	PUNCT
easat-11297	91	4	while	while	SCONJ
easat-11297	91	5	more	more	ADV
easat-11297	91	6	accurate	accurate	ADJ
easat-11297	91	7	,	,	PUNCT
easat-11297	91	8	can	can	AUX
easat-11297	91	9	inadvertently	inadvertently	ADV
easat-11297	91	10	discriminate	discriminate	VERB
easat-11297	91	11	based	base	VERB
easat-11297	91	12	on	on	ADP
easat-11297	91	13	demographic	demographic	ADJ
easat-11297	91	14	factors	factor	NOUN
easat-11297	91	15	like	like	ADP
easat-11297	91	16	race	race	NOUN
easat-11297	91	17	,	,	PUNCT
easat-11297	91	18	gender	gender	NOUN
easat-11297	91	19	,	,	PUNCT
easat-11297	91	20	or	or	CCONJ
easat-11297	91	21	social	social	ADJ
easat-11297	91	22	class	class	NOUN
easat-11297	91	23	.	.	PUNCT
easat-11297	92	1	to	to	PART
easat-11297	92	2	ensure	ensure	VERB
easat-11297	92	3	fairness	fairness	NOUN
easat-11297	92	4	,	,	PUNCT
easat-11297	92	5	fairness	fairness	NOUN
easat-11297	92	6	-	-	PUNCT
easat-11297	92	7	aware	aware	ADJ
easat-11297	92	8	modeling	modeling	NOUN
easat-11297	92	9	methodologies	methodology	NOUN
easat-11297	92	10	are	be	AUX
easat-11297	92	11	essential	essential	ADJ
easat-11297	92	12	.	.	PUNCT
easat-11297	93	1	additionally	additionally	ADV
easat-11297	93	2	,	,	PUNCT
easat-11297	93	3	tools	tool	NOUN
easat-11297	93	4	like	like	ADP
easat-11297	93	5	shap	shap	NOUN
easat-11297	93	6	and	and	CCONJ
easat-11297	93	7	lime	lime	NOUN
easat-11297	93	8	enhance	enhance	NOUN
easat-11297	93	9	model	model	NOUN
easat-11297	93	10	transparency	transparency	NOUN
easat-11297	93	11	by	by	ADP
easat-11297	93	12	explaining	explain	VERB
easat-11297	93	13	how	how	SCONJ
easat-11297	93	14	decisions	decision	NOUN
easat-11297	93	15	are	be	AUX
easat-11297	93	16	made	make	VERB
easat-11297	93	17	,	,	PUNCT
easat-11297	93	18	ensuring	ensure	VERB
easat-11297	93	19	compliance	compliance	NOUN
easat-11297	93	20	with	with	ADP
easat-11297	93	21	regulations	regulation	NOUN
easat-11297	93	22	,	,	PUNCT
easat-11297	93	23	and	and	CCONJ
easat-11297	93	24	fostering	foster	VERB
easat-11297	93	25	trust	trust	NOUN
easat-11297	93	26	among	among	ADP
easat-11297	93	27	consumers	consumer	NOUN
easat-11297	93	28	and	and	CCONJ
easat-11297	93	29	regulators	regulator	NOUN
easat-11297	94	1	[	[	X
easat-11297	94	2	22	22	NUM
easat-11297	94	3	]	]	PUNCT
easat-11297	94	4	.	.	PUNCT
easat-11297	95	1	3	3	X
easat-11297	95	2	.	.	X
easat-11297	95	3	methodology	methodology	NOUN
easat-11297	95	4	this	this	DET
easat-11297	95	5	chapter	chapter	NOUN
easat-11297	95	6	outlines	outline	VERB
easat-11297	95	7	the	the	DET
easat-11297	95	8	research	research	NOUN
easat-11297	95	9	process	process	NOUN
easat-11297	95	10	,	,	PUNCT
easat-11297	95	11	including	include	VERB
easat-11297	95	12	the	the	DET
easat-11297	95	13	methodology	methodology	NOUN
easat-11297	95	14	,	,	PUNCT
easat-11297	95	15	data	data	NOUN
easat-11297	95	16	acquisition	acquisition	NOUN
easat-11297	95	17	,	,	PUNCT
easat-11297	95	18	preprocessing	preprocessing	NOUN
easat-11297	95	19	,	,	PUNCT
easat-11297	95	20	and	and	CCONJ
easat-11297	95	21	model	model	NOUN
easat-11297	95	22	validation	validation	NOUN
easat-11297	95	23	.	.	PUNCT
easat-11297	96	1	it	it	PRON
easat-11297	96	2	aims	aim	VERB
easat-11297	96	3	to	to	PART
easat-11297	96	4	ensure	ensure	VERB
easat-11297	96	5	transparency	transparency	NOUN
easat-11297	96	6	,	,	PUNCT
easat-11297	96	7	enabling	enable	VERB
easat-11297	96	8	replication	replication	NOUN
easat-11297	96	9	,	,	PUNCT
easat-11297	96	10	and	and	CCONJ
easat-11297	96	11	addresses	address	NOUN
easat-11297	96	12	concerns	concern	NOUN
easat-11297	96	13	such	such	ADJ
easat-11297	96	14	as	as	ADP
easat-11297	96	15	fairness	fairness	NOUN
easat-11297	96	16	and	and	CCONJ
easat-11297	96	17	data	datum	NOUN
easat-11297	96	18	privacy	privacy	NOUN
easat-11297	96	19	to	to	PART
easat-11297	96	20	ensure	ensure	VERB
easat-11297	96	21	the	the	DET
easat-11297	96	22	appropriate	appropriate	ADJ
easat-11297	96	23	use	use	NOUN
easat-11297	96	24	of	of	ADP
easat-11297	96	25	machine	machine	NOUN
easat-11297	96	26	learning	learning	NOUN
easat-11297	96	27	methods	method	NOUN
easat-11297	96	28	.	.	PUNCT
easat-11297	97	1	the	the	DET
easat-11297	97	2	methodology	methodology	NOUN
easat-11297	97	3	is	be	AUX
easat-11297	97	4	designed	design	VERB
easat-11297	97	5	to	to	PART
easat-11297	97	6	yield	yield	VERB
easat-11297	97	7	accurate	accurate	ADJ
easat-11297	97	8	and	and	CCONJ
easat-11297	97	9	reliable	reliable	ADJ
easat-11297	97	10	credit	credit	NOUN
easat-11297	97	11	scoring	scoring	NOUN
easat-11297	97	12	results	result	NOUN
easat-11297	97	13	.	.	PUNCT
easat-11297	98	1	this	this	DET
easat-11297	98	2	empirical	empirical	ADJ
easat-11297	98	3	study	study	NOUN
easat-11297	98	4	uses	use	VERB
easat-11297	98	5	statistical	statistical	ADJ
easat-11297	98	6	analysis	analysis	NOUN
easat-11297	98	7	and	and	CCONJ
easat-11297	98	8	machine	machine	NOUN
easat-11297	98	9	learning	learn	VERB
easat-11297	98	10	to	to	PART
easat-11297	98	11	compare	compare	VERB
easat-11297	98	12	the	the	DET
easat-11297	98	13	performance	performance	NOUN
easat-11297	98	14	of	of	ADP
easat-11297	98	15	stacking	stacking	NOUN
easat-11297	98	16	,	,	PUNCT
easat-11297	98	17	bagging	bagging	NOUN
easat-11297	98	18	,	,	PUNCT
easat-11297	98	19	and	and	CCONJ
easat-11297	98	20	boosting	boost	VERB
easat-11297	98	21	ensemble	ensemble	ADJ
easat-11297	98	22	methods	method	NOUN
easat-11297	98	23	for	for	ADP
easat-11297	98	24	credit	credit	NOUN
easat-11297	98	25	risk	risk	NOUN
easat-11297	98	26	prediction	prediction	NOUN
easat-11297	98	27	.	.	PUNCT
easat-11297	99	1	three	three	NUM
easat-11297	99	2	kaggle	kaggle	ADJ
easat-11297	99	3	datasets	dataset	NOUN
easat-11297	99	4	are	be	AUX
easat-11297	99	5	used	use	VERB
easat-11297	99	6	to	to	PART
easat-11297	99	7	validate	validate	VERB
easat-11297	99	8	the	the	DET
easat-11297	99	9	findings	finding	NOUN
easat-11297	99	10	,	,	PUNCT
easat-11297	99	11	representing	represent	VERB
easat-11297	99	12	different	different	ADJ
easat-11297	99	13	borrower	borrower	NOUN
easat-11297	99	14	characteristics	characteristic	NOUN
easat-11297	99	15	and	and	CCONJ
easat-11297	99	16	loan	loan	NOUN
easat-11297	99	17	behaviors	behavior	NOUN
easat-11297	99	18	.	.	PUNCT
easat-11297	100	1	the	the	DET
easat-11297	100	2	performance	performance	NOUN
easat-11297	100	3	of	of	ADP
easat-11297	100	4	the	the	DET
easat-11297	100	5	methods	method	NOUN
easat-11297	100	6	is	be	AUX
easat-11297	100	7	evaluated	evaluate	VERB
easat-11297	100	8	based	base	VERB
easat-11297	100	9	on	on	ADP
easat-11297	100	10	accuracy	accuracy	NOUN
easat-11297	100	11	,	,	PUNCT
easat-11297	100	12	precision	precision	NOUN
easat-11297	100	13	,	,	PUNCT
easat-11297	100	14	recall	recall	NOUN
easat-11297	100	15	,	,	PUNCT
easat-11297	100	16	f1	f1	NOUN
easat-11297	100	17	score	score	NOUN
easat-11297	100	18	,	,	PUNCT
easat-11297	100	19	and	and	CCONJ
easat-11297	100	20	auc	auc	NOUN
easat-11297	100	21	-	-	PUNCT
easat-11297	100	22	roc	roc	NOUN
easat-11297	100	23	.	.	PUNCT
easat-11297	101	1	this	this	DET
easat-11297	101	2	data	data	NOUN
easat-11297	101	3	-	-	PUNCT
easat-11297	101	4	centric	centric	ADJ
easat-11297	101	5	approach	approach	NOUN
easat-11297	101	6	ensures	ensure	VERB
easat-11297	101	7	the	the	DET
easat-11297	101	8	findings	finding	NOUN
easat-11297	101	9	are	be	AUX
easat-11297	101	10	grounded	ground	VERB
easat-11297	101	11	in	in	ADP
easat-11297	101	12	real	real	ADJ
easat-11297	101	13	data	datum	NOUN
easat-11297	101	14	,	,	PUNCT
easat-11297	101	15	making	make	VERB
easat-11297	101	16	the	the	DET
easat-11297	101	17	results	result	NOUN
easat-11297	101	18	applicable	applicable	ADJ
easat-11297	101	19	to	to	ADP
easat-11297	101	20	financial	financial	ADJ
easat-11297	101	21	risk	risk	NOUN
easat-11297	101	22	evaluation	evaluation	NOUN
easat-11297	101	23	.	.	PUNCT
easat-11297	102	1	3.1	3.1	NUM
easat-11297	102	2	.	.	PUNCT
easat-11297	102	3	data	datum	NOUN
easat-11297	102	4	collection	collection	NOUN
easat-11297	102	5	three	three	NUM
easat-11297	102	6	credit	credit	NOUN
easat-11297	102	7	scoring	scoring	NOUN
easat-11297	102	8	datasets	dataset	NOUN
easat-11297	102	9	are	be	AUX
easat-11297	102	10	available	available	ADJ
easat-11297	102	11	on	on	ADP
easat-11297	102	12	kaggle	kaggle	PROPN
easat-11297	102	13	,	,	PUNCT
easat-11297	102	14	and	and	CCONJ
easat-11297	102	15	these	these	PRON
easat-11297	102	16	were	be	AUX
easat-11297	102	17	used	use	VERB
easat-11297	102	18	for	for	ADP
easat-11297	102	19	this	this	DET
easat-11297	102	20	study	study	NOUN
easat-11297	102	21	.	.	PUNCT
easat-11297	103	1	all	all	DET
easat-11297	103	2	three	three	NUM
easat-11297	103	3	datasets	dataset	NOUN
easat-11297	103	4	include	include	VERB
easat-11297	103	5	a	a	DET
easat-11297	103	6	number	number	NOUN
easat-11297	103	7	of	of	ADP
easat-11297	103	8	borrower	borrower	NOUN
easat-11297	103	9	characteristics	characteristic	NOUN
easat-11297	103	10	,	,	PUNCT
easat-11297	103	11	credit	credit	NOUN
easat-11297	103	12	history	history	NOUN
easat-11297	103	13	,	,	PUNCT
easat-11297	103	14	income	income	NOUN
easat-11297	103	15	,	,	PUNCT
easat-11297	103	16	loan	loan	NOUN
easat-11297	103	17	amount	amount	NOUN
easat-11297	103	18	,	,	PUNCT
easat-11297	103	19	and	and	CCONJ
easat-11297	103	20	repayment	repayment	NOUN
easat-11297	103	21	behavior	behavior	NOUN
easat-11297	103	22	,	,	PUNCT
easat-11297	103	23	which	which	PRON
easat-11297	103	24	makes	make	VERB
easat-11297	103	25	all	all	DET
easat-11297	103	26	three	three	NUM
easat-11297	103	27	of	of	ADP
easat-11297	103	28	them	they	PRON
easat-11297	103	29	appropriate	appropriate	ADJ
easat-11297	103	30	for	for	ADP
easat-11297	103	31	credit	credit	NOUN
easat-11297	103	32	risk	risk	NOUN
easat-11297	103	33	evaluation	evaluation	NOUN
easat-11297	103	34	.	.	PUNCT
easat-11297	104	1	these	these	DET
easat-11297	104	2	datasets	dataset	NOUN
easat-11297	104	3	were	be	AUX
easat-11297	104	4	selected	select	VERB
easat-11297	104	5	based	base	VERB
easat-11297	104	6	on	on	ADP
easat-11297	104	7	their	their	PRON
easat-11297	104	8	size	size	NOUN
easat-11297	104	9	,	,	PUNCT
easat-11297	104	10	the	the	DET
easat-11297	104	11	number	number	NOUN
easat-11297	104	12	of	of	ADP
easat-11297	104	13	features	feature	NOUN
easat-11297	104	14	,	,	PUNCT
easat-11297	104	15	and	and	CCONJ
easat-11297	104	16	the	the	DET
easat-11297	104	17	fact	fact	NOUN
easat-11297	104	18	that	that	SCONJ
easat-11297	104	19	they	they	PRON
easat-11297	104	20	represent	represent	VERB
easat-11297	104	21	real	real	ADJ
easat-11297	104	22	-	-	PUNCT
easat-11297	104	23	world	world	NOUN
easat-11297	104	24	credit	credit	NOUN
easat-11297	104	25	scoring	scoring	NOUN
easat-11297	104	26	problems	problem	NOUN
easat-11297	104	27	.	.	PUNCT
easat-11297	105	1	these	these	DET
easat-11297	105	2	datasets	dataset	NOUN
easat-11297	105	3	contained	contain	VERB
easat-11297	105	4	missing	miss	VERB
easat-11297	105	5	values	value	NOUN
easat-11297	105	6	,	,	PUNCT
easat-11297	105	7	outliers	outlier	NOUN
easat-11297	105	8	,	,	PUNCT
easat-11297	105	9	and	and	CCONJ
easat-11297	105	10	a	a	DET
easat-11297	105	11	lot	lot	NOUN
easat-11297	105	12	of	of	ADP
easat-11297	105	13	inconsistency	inconsistency	NOUN
easat-11297	105	14	,	,	PUNCT
easat-11297	105	15	which	which	PRON
easat-11297	105	16	needed	need	VERB
easat-11297	105	17	to	to	PART
easat-11297	105	18	be	be	AUX
easat-11297	105	19	addressed	address	VERB
easat-11297	105	20	through	through	ADP
easat-11297	105	21	preprocessing	preprocessing	NOUN
easat-11297	105	22	.	.	PUNCT
easat-11297	106	1	in	in	ADP
easat-11297	106	2	cases	case	NOUN
easat-11297	106	3	where	where	SCONJ
easat-11297	106	4	some	some	DET
easat-11297	106	5	observations	observation	NOUN
easat-11297	106	6	were	be	AUX
easat-11297	106	7	missing	miss	VERB
easat-11297	106	8	,	,	PUNCT
easat-11297	106	9	different	different	ADJ
easat-11297	106	10	imputation	imputation	NOUN
easat-11297	106	11	methods	method	NOUN
easat-11297	106	12	were	be	AUX
easat-11297	106	13	used	use	VERB
easat-11297	106	14	,	,	PUNCT
easat-11297	106	15	and	and	CCONJ
easat-11297	106	16	where	where	SCONJ
easat-11297	106	17	there	there	PRON
easat-11297	106	18	were	be	VERB
easat-11297	106	19	extreme	extreme	ADJ
easat-11297	106	20	values	value	NOUN
easat-11297	106	21	,	,	PUNCT
easat-11297	106	22	they	they	PRON
easat-11297	106	23	were	be	AUX
easat-11297	106	24	either	either	ADV
easat-11297	106	25	adjusted	adjust	VERB
easat-11297	106	26	or	or	CCONJ
easat-11297	106	27	the	the	DET
easat-11297	106	28	values	value	NOUN
easat-11297	106	29	were	be	AUX
easat-11297	106	30	deleted	delete	VERB
easat-11297	106	31	.	.	PUNCT
easat-11297	107	1	additionally	additionally	ADV
easat-11297	107	2	,	,	PUNCT
easat-11297	107	3	the	the	DET
easat-11297	107	4	data	datum	NOUN
easat-11297	107	5	was	be	AUX
easat-11297	107	6	normalized	normalize	VERB
easat-11297	107	7	and	and	CCONJ
easat-11297	107	8	scaled	scale	VERB
easat-11297	107	9	as	as	ADP
easat-11297	107	10	per	per	ADP
easat-11297	107	11	the	the	DET
easat-11297	107	12	requirements	requirement	NOUN
easat-11297	107	13	of	of	ADP
easat-11297	107	14	the	the	DET
easat-11297	107	15	features	feature	NOUN
easat-11297	107	16	,	,	PUNCT
easat-11297	107	17	which	which	PRON
easat-11297	107	18	is	be	AUX
easat-11297	107	19	very	very	ADV
easat-11297	107	20	important	important	ADJ
easat-11297	107	21	for	for	ADP
easat-11297	107	22	applying	apply	VERB
easat-11297	107	23	machine	machine	NOUN
easat-11297	107	24	learning	learning	NOUN
easat-11297	107	25	algorithms	algorithm	NOUN
easat-11297	107	26	.	.	PUNCT
easat-11297	108	1	3.2	3.2	NUM
easat-11297	108	2	.	.	PUNCT
easat-11297	108	3	data	datum	NOUN
easat-11297	108	4	cleaning	clean	VERB
easat-11297	108	5	and	and	CCONJ
easat-11297	108	6	preprocessing	preprocesse	VERB
easat-11297	108	7	data	datum	NOUN
easat-11297	108	8	cleaning	cleaning	NOUN
easat-11297	108	9	and	and	CCONJ
easat-11297	108	10	preprocessing	preprocessing	NOUN
easat-11297	108	11	were	be	AUX
easat-11297	108	12	essential	essential	ADJ
easat-11297	108	13	for	for	ADP
easat-11297	108	14	ensuring	ensure	VERB
easat-11297	108	15	the	the	DET
easat-11297	108	16	quality	quality	NOUN
easat-11297	108	17	and	and	CCONJ
easat-11297	108	18	accuracy	accuracy	NOUN
easat-11297	108	19	of	of	ADP
easat-11297	108	20	the	the	DET
easat-11297	108	21	datasets	dataset	NOUN
easat-11297	108	22	.	.	PUNCT
easat-11297	109	1	the	the	DET
easat-11297	109	2	datasets	dataset	NOUN
easat-11297	109	3	contained	contain	VERB
easat-11297	109	4	various	various	ADJ
easat-11297	109	5	borrower	borrower	NOUN
easat-11297	109	6	characteristics	characteristic	NOUN
easat-11297	109	7	and	and	CCONJ
easat-11297	109	8	financial	financial	ADJ
easat-11297	109	9	attributes	attribute	NOUN
easat-11297	109	10	,	,	PUNCT
easat-11297	109	11	requiring	require	VERB
easat-11297	109	12	a	a	DET
easat-11297	109	13	structured	structured	ADJ
easat-11297	109	14	approach	approach	NOUN
easat-11297	109	15	to	to	PART
easat-11297	109	16	handle	handle	VERB
easat-11297	109	17	missing	miss	VERB
easat-11297	109	18	values	value	NOUN
easat-11297	109	19	,	,	PUNCT
easat-11297	109	20	outliers	outlier	NOUN
easat-11297	109	21	,	,	PUNCT
easat-11297	109	22	and	and	CCONJ
easat-11297	109	23	normalization	normalization	NOUN
easat-11297	109	24	.	.	PUNCT
easat-11297	110	1	for	for	ADP
easat-11297	110	2	missing	miss	VERB
easat-11297	110	3	data	datum	NOUN
easat-11297	110	4	,	,	PUNCT
easat-11297	110	5	mean	mean	ADJ
easat-11297	110	6	and	and	CCONJ
easat-11297	110	7	median	median	ADJ
easat-11297	110	8	imputation	imputation	NOUN
easat-11297	110	9	were	be	AUX
easat-11297	110	10	used	use	VERB
easat-11297	110	11	for	for	ADP
easat-11297	110	12	numerical	numerical	ADJ
easat-11297	110	13	fields	field	NOUN
easat-11297	110	14	,	,	PUNCT
easat-11297	110	15	while	while	SCONJ
easat-11297	110	16	the	the	DET
easat-11297	110	17	mode	mode	NOUN
easat-11297	110	18	imputation	imputation	NOUN
easat-11297	110	19	technique	technique	NOUN
easat-11297	110	20	was	be	AUX
easat-11297	110	21	applied	apply	VERB
easat-11297	110	22	to	to	ADP
easat-11297	110	23	categorical	categorical	ADJ
easat-11297	110	24	variables	variable	NOUN
easat-11297	110	25	[	[	X
easat-11297	110	26	23	23	NUM
easat-11297	110	27	]	]	PUNCT
easat-11297	110	28	.	.	PUNCT
easat-11297	111	1	outliers	outlier	NOUN
easat-11297	111	2	,	,	PUNCT
easat-11297	111	3	particularly	particularly	ADV
easat-11297	111	4	in	in	ADP
easat-11297	111	5	loan	loan	NOUN
easat-11297	111	6	amounts	amount	NOUN
easat-11297	111	7	and	and	CCONJ
easat-11297	111	8	income	income	NOUN
easat-11297	111	9	levels	level	NOUN
easat-11297	111	10	,	,	PUNCT
easat-11297	111	11	were	be	AUX
easat-11297	111	12	managed	manage	VERB
easat-11297	111	13	using	use	VERB
easat-11297	111	14	the	the	DET
easat-11297	111	15	iqr	iqr	PROPN
easat-11297	111	16	rule	rule	NOUN
easat-11297	111	17	and	and	CCONJ
easat-11297	111	18	z	z	NOUN
easat-11297	111	19	-	-	NOUN
easat-11297	111	20	scores	score	NOUN
easat-11297	111	21	,	,	PUNCT
easat-11297	111	22	retaining	retain	VERB
easat-11297	111	23	true	true	ADJ
easat-11297	111	24	variations	variation	NOUN
easat-11297	111	25	and	and	CCONJ
easat-11297	111	26	correcting	correct	VERB
easat-11297	111	27	or	or	CCONJ
easat-11297	111	28	removing	remove	VERB
easat-11297	111	29	measurement	measurement	NOUN
easat-11297	111	30	errors	error	NOUN
easat-11297	111	31	[	[	X
easat-11297	111	32	24	24	NUM
easat-11297	111	33	]	]	PUNCT
easat-11297	111	34	.	.	PUNCT
easat-11297	112	1	to	to	PART
easat-11297	112	2	address	address	VERB
easat-11297	112	3	the	the	DET
easat-11297	112	4	sensitivity	sensitivity	NOUN
easat-11297	112	5	of	of	ADP
easat-11297	112	6	ensemble	ensemble	ADJ
easat-11297	112	7	methods	method	NOUN
easat-11297	112	8	to	to	PART
easat-11297	112	9	feature	feature	VERB
easat-11297	112	10	scales	scale	NOUN
easat-11297	112	11	,	,	PUNCT
easat-11297	112	12	minmax	minmax	X
easat-11297	112	13	scaling	scale	VERB
easat-11297	112	14	was	be	AUX
easat-11297	112	15	applied	apply	VERB
easat-11297	112	16	to	to	PART
easat-11297	112	17	normalize	normalize	VERB
easat-11297	112	18	numerical	numerical	ADJ
easat-11297	112	19	data	datum	NOUN
easat-11297	112	20	within	within	ADP
easat-11297	112	21	a	a	DET
easat-11297	112	22	0	0	NUM
easat-11297	112	23	to	to	PART
easat-11297	112	24	1	1	NUM
easat-11297	112	25	range	range	NOUN
easat-11297	112	26	,	,	PUNCT
easat-11297	112	27	ensuring	ensure	VERB
easat-11297	112	28	balanced	balanced	ADJ
easat-11297	112	29	predictions	prediction	NOUN
easat-11297	112	30	.	.	PUNCT
easat-11297	113	1	categorical	categorical	ADJ
easat-11297	113	2	variables	variable	NOUN
easat-11297	113	3	such	such	ADJ
easat-11297	113	4	as	as	ADP
easat-11297	113	5	occupation	occupation	NOUN
easat-11297	113	6	and	and	CCONJ
easat-11297	113	7	loan	loan	NOUN
easat-11297	113	8	purpose	purpose	NOUN
easat-11297	113	9	were	be	AUX
easat-11297	113	10	converted	convert	VERB
easat-11297	113	11	to	to	ADP
easat-11297	113	12	a	a	DET
easat-11297	113	13	numerical	numerical	ADJ
easat-11297	113	14	format	format	NOUN
easat-11297	113	15	through	through	ADP
easat-11297	113	16	one	one	NUM
easat-11297	113	17	-	-	PUNCT
easat-11297	113	18	hot	hot	ADJ
easat-11297	113	19	encoding	encoding	NOUN
easat-11297	113	20	to	to	PART
easat-11297	113	21	eliminate	eliminate	VERB
easat-11297	113	22	bias	bias	NOUN
easat-11297	113	23	and	and	CCONJ
easat-11297	113	24	fit	fit	VERB
easat-11297	113	25	the	the	DET
easat-11297	113	26	machine	machine	NOUN
easat-11297	113	27	learning	learn	VERB
easat-11297	113	28	algorithms	algorithm	NOUN
easat-11297	113	29	[	[	X
easat-11297	113	30	25	25	NUM
easat-11297	113	31	]	]	PUNCT
easat-11297	113	32	.	.	PUNCT
easat-11297	114	1	128	128	NUM
easat-11297	114	2	edelweiss	edelweiss	PROPN
easat-11297	114	3	applied	apply	VERB
easat-11297	114	4	science	science	NOUN
easat-11297	114	5	and	and	CCONJ
easat-11297	114	6	technology	technology	NOUN
easat-11297	114	7	issn	issn	PROPN
easat-11297	114	8	:	:	PUNCT
easat-11297	114	9	2576	2576	NUM
easat-11297	114	10	-	-	SYM
easat-11297	114	11	8484	8484	NUM
easat-11297	114	12	vol	vol	NOUN
easat-11297	114	13	.	.	PROPN
easat-11297	115	1	9	9	NUM
easat-11297	115	2	,	,	PUNCT
easat-11297	115	3	no	no	INTJ
easat-11297	115	4	.	.	NOUN
easat-11297	115	5	12	12	NUM
easat-11297	115	6	:	:	PUNCT
easat-11297	115	7	124	124	NUM
easat-11297	115	8	-	-	SYM
easat-11297	115	9	147	147	NUM
easat-11297	115	10	,	,	PUNCT
easat-11297	115	11	2025	2025	NUM
easat-11297	115	12	doi	doi	NOUN
easat-11297	115	13	:	:	PUNCT
easat-11297	115	14	10.55214/2576	10.55214/2576	NUM
easat-11297	115	15	-	-	SYM
easat-11297	115	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	116	1	©	©	PROPN
easat-11297	116	2	2025	2025	NUM
easat-11297	116	3	by	by	ADP
easat-11297	116	4	the	the	DET
easat-11297	116	5	authors	author	NOUN
easat-11297	116	6	;	;	PUNCT
easat-11297	116	7	licensee	licensee	PROPN
easat-11297	116	8	learning	learning	NOUN
easat-11297	116	9	gate	gate	NOUN
easat-11297	116	10	3.3	3.3	NUM
easat-11297	116	11	.	.	PUNCT
easat-11297	117	1	ensemble	ensemble	ADJ
easat-11297	117	2	learning	learning	NOUN
easat-11297	117	3	framework	framework	NOUN
easat-11297	117	4	this	this	DET
easat-11297	117	5	research	research	NOUN
easat-11297	117	6	applied	apply	VERB
easat-11297	117	7	three	three	NUM
easat-11297	117	8	ensemble	ensemble	ADJ
easat-11297	117	9	learning	learning	NOUN
easat-11297	117	10	methods	method	NOUN
easat-11297	117	11	:	:	PUNCT
easat-11297	117	12	stacking	stacking	NOUN
easat-11297	117	13	,	,	PUNCT
easat-11297	117	14	bagging	bagging	NOUN
easat-11297	117	15	,	,	PUNCT
easat-11297	117	16	and	and	CCONJ
easat-11297	117	17	boosting	boost	VERB
easat-11297	117	18	,	,	PUNCT
easat-11297	117	19	to	to	PART
easat-11297	117	20	evaluate	evaluate	VERB
easat-11297	117	21	credit	credit	NOUN
easat-11297	117	22	risk	risk	NOUN
easat-11297	117	23	prediction	prediction	NOUN
easat-11297	117	24	.	.	PUNCT
easat-11297	118	1	ensemble	ensemble	ADJ
easat-11297	118	2	learning	learning	NOUN
easat-11297	118	3	combines	combine	VERB
easat-11297	118	4	results	result	NOUN
easat-11297	118	5	from	from	ADP
easat-11297	118	6	different	different	ADJ
easat-11297	118	7	models	model	NOUN
easat-11297	118	8	,	,	PUNCT
easat-11297	118	9	improving	improve	VERB
easat-11297	118	10	accuracy	accuracy	NOUN
easat-11297	118	11	and	and	CCONJ
easat-11297	118	12	stability	stability	NOUN
easat-11297	118	13	.	.	PUNCT
easat-11297	119	1	stacking	stack	VERB
easat-11297	119	2	involves	involve	VERB
easat-11297	119	3	training	training	NOUN
easat-11297	119	4	base	base	NOUN
easat-11297	119	5	models	model	NOUN
easat-11297	119	6	(	(	PUNCT
easat-11297	119	7	logistic	logistic	ADJ
easat-11297	119	8	regression	regression	NOUN
easat-11297	119	9	,	,	PUNCT
easat-11297	119	10	random	random	ADJ
easat-11297	119	11	forests	forest	NOUN
easat-11297	119	12	,	,	PUNCT
easat-11297	119	13	and	and	CCONJ
easat-11297	119	14	knn	knn	VERB
easat-11297	119	15	)	)	PUNCT
easat-11297	119	16	and	and	CCONJ
easat-11297	119	17	combining	combine	VERB
easat-11297	119	18	their	their	PRON
easat-11297	119	19	predictions	prediction	NOUN
easat-11297	119	20	through	through	ADP
easat-11297	119	21	a	a	DET
easat-11297	119	22	meta	meta	ADJ
easat-11297	119	23	-	-	PUNCT
easat-11297	119	24	model	model	NOUN
easat-11297	119	25	(	(	PUNCT
easat-11297	119	26	e.g.	e.g.	ADV
easat-11297	119	27	,	,	PUNCT
easat-11297	119	28	logistic	logistic	ADJ
easat-11297	119	29	regression	regression	NOUN
easat-11297	119	30	)	)	PUNCT
easat-11297	119	31	to	to	PART
easat-11297	119	32	obtain	obtain	VERB
easat-11297	119	33	the	the	DET
easat-11297	119	34	final	final	ADJ
easat-11297	119	35	credit	credit	NOUN
easat-11297	119	36	score	score	NOUN
easat-11297	119	37	.	.	PUNCT
easat-11297	120	1	cross	cross	ADJ
easat-11297	120	2	-	-	ADJ
easat-11297	120	3	validation	validation	NOUN
easat-11297	120	4	was	be	AUX
easat-11297	120	5	used	use	VERB
easat-11297	120	6	to	to	PART
easat-11297	120	7	prevent	prevent	VERB
easat-11297	120	8	overfitting	overfitting	NOUN
easat-11297	120	9	and	and	CCONJ
easat-11297	120	10	ensure	ensure	VERB
easat-11297	120	11	model	model	NOUN
easat-11297	120	12	credibility	credibility	NOUN
easat-11297	121	1	[	[	X
easat-11297	121	2	26	26	NUM
easat-11297	121	3	]	]	PUNCT
easat-11297	121	4	.	.	PUNCT
easat-11297	122	1	bagging	bagging	NOUN
easat-11297	122	2	(	(	PUNCT
easat-11297	122	3	bootstrap	bootstrap	NOUN
easat-11297	122	4	aggregating	aggregating	NOUN
easat-11297	122	5	)	)	PUNCT
easat-11297	122	6	reduces	reduce	VERB
easat-11297	122	7	model	model	NOUN
easat-11297	122	8	variance	variance	NOUN
easat-11297	122	9	and	and	CCONJ
easat-11297	122	10	overfitting	overfitting	NOUN
easat-11297	122	11	.	.	PUNCT
easat-11297	123	1	random	random	ADJ
easat-11297	123	2	forests	forest	NOUN
easat-11297	123	3	,	,	PUNCT
easat-11297	123	4	which	which	PRON
easat-11297	123	5	use	use	VERB
easat-11297	123	6	multiple	multiple	ADJ
easat-11297	123	7	decision	decision	NOUN
easat-11297	123	8	trees	tree	NOUN
easat-11297	123	9	built	build	VERB
easat-11297	123	10	on	on	ADP
easat-11297	123	11	bootstrapped	bootstrappe	VERB
easat-11297	123	12	data	datum	NOUN
easat-11297	123	13	samples	sample	NOUN
easat-11297	123	14	,	,	PUNCT
easat-11297	123	15	make	make	VERB
easat-11297	123	16	independent	independent	ADJ
easat-11297	123	17	decisions	decision	NOUN
easat-11297	123	18	.	.	PUNCT
easat-11297	124	1	the	the	DET
easat-11297	124	2	final	final	ADJ
easat-11297	124	3	prediction	prediction	NOUN
easat-11297	124	4	is	be	AUX
easat-11297	124	5	determined	determine	VERB
easat-11297	124	6	by	by	ADP
easat-11297	124	7	averaging	average	VERB
easat-11297	124	8	or	or	CCONJ
easat-11297	124	9	voting	vote	VERB
easat-11297	124	10	across	across	ADP
easat-11297	124	11	trees	tree	NOUN
easat-11297	124	12	,	,	PUNCT
easat-11297	124	13	ensuring	ensure	VERB
easat-11297	124	14	robustness	robustness	NOUN
easat-11297	124	15	against	against	ADP
easat-11297	124	16	unseen	unseen	ADJ
easat-11297	124	17	data	datum	NOUN
easat-11297	124	18	and	and	CCONJ
easat-11297	124	19	effectively	effectively	ADV
easat-11297	124	20	modeling	model	VERB
easat-11297	124	21	non	non	ADJ
easat-11297	124	22	-	-	ADJ
easat-11297	124	23	linear	linear	ADJ
easat-11297	124	24	patterns	pattern	NOUN
easat-11297	124	25	in	in	ADP
easat-11297	124	26	credit	credit	NOUN
easat-11297	124	27	risk	risk	NOUN
easat-11297	124	28	data	datum	NOUN
easat-11297	124	29	[	[	X
easat-11297	124	30	27	27	NUM
easat-11297	124	31	]	]	PUNCT
easat-11297	124	32	.	.	PUNCT
easat-11297	125	1	boosting	boost	VERB
easat-11297	125	2	iteratively	iteratively	ADV
easat-11297	125	3	trains	train	NOUN
easat-11297	125	4	models	model	NOUN
easat-11297	125	5	to	to	PART
easat-11297	125	6	correct	correct	VERB
easat-11297	125	7	errors	error	NOUN
easat-11297	125	8	made	make	VERB
easat-11297	125	9	by	by	ADP
easat-11297	125	10	previous	previous	ADJ
easat-11297	125	11	ones	one	NOUN
easat-11297	125	12	.	.	PUNCT
easat-11297	126	1	adaboost	adaboost	ADJ
easat-11297	126	2	assigns	assign	NOUN
easat-11297	126	3	higher	high	ADJ
easat-11297	126	4	weights	weight	NOUN
easat-11297	126	5	to	to	ADP
easat-11297	126	6	misclassified	misclassifie	VERB
easat-11297	126	7	instances	instance	NOUN
easat-11297	126	8	,	,	PUNCT
easat-11297	126	9	while	while	SCONJ
easat-11297	126	10	gradient	gradient	ADJ
easat-11297	126	11	boosting	boost	VERB
easat-11297	126	12	machines	machine	NOUN
easat-11297	126	13	(	(	PUNCT
easat-11297	126	14	gbms	gbms	NOUN
easat-11297	126	15	)	)	PUNCT
easat-11297	126	16	improve	improve	VERB
easat-11297	126	17	efficiency	efficiency	NOUN
easat-11297	126	18	by	by	ADP
easat-11297	126	19	minimizing	minimize	VERB
easat-11297	126	20	residual	residual	ADJ
easat-11297	126	21	errors	error	NOUN
easat-11297	126	22	over	over	ADP
easat-11297	126	23	iterations	iteration	NOUN
easat-11297	126	24	[	[	X
easat-11297	126	25	26	26	NUM
easat-11297	126	26	]	]	PUNCT
easat-11297	126	27	.	.	PUNCT
easat-11297	127	1	3.4	3.4	NUM
easat-11297	127	2	.	.	PUNCT
easat-11297	127	3	evaluation	evaluation	NOUN
easat-11297	127	4	metrics	metric	NOUN
easat-11297	127	5	the	the	DET
easat-11297	127	6	performance	performance	NOUN
easat-11297	127	7	of	of	ADP
easat-11297	127	8	the	the	DET
easat-11297	127	9	ensemble	ensemble	ADJ
easat-11297	127	10	models	model	NOUN
easat-11297	127	11	was	be	AUX
easat-11297	127	12	evaluated	evaluate	VERB
easat-11297	127	13	using	use	VERB
easat-11297	127	14	accuracy	accuracy	NOUN
easat-11297	127	15	,	,	PUNCT
easat-11297	127	16	precision	precision	NOUN
easat-11297	127	17	,	,	PUNCT
easat-11297	127	18	recall	recall	NOUN
easat-11297	127	19	,	,	PUNCT
easat-11297	127	20	and	and	CCONJ
easat-11297	127	21	f1score	f1score	NOUN
easat-11297	127	22	,	,	PUNCT
easat-11297	127	23	which	which	PRON
easat-11297	127	24	provided	provide	VERB
easat-11297	127	25	insights	insight	NOUN
easat-11297	127	26	into	into	ADP
easat-11297	127	27	their	their	PRON
easat-11297	127	28	effectiveness	effectiveness	NOUN
easat-11297	127	29	in	in	ADP
easat-11297	127	30	credit	credit	NOUN
easat-11297	127	31	risk	risk	NOUN
easat-11297	127	32	prediction	prediction	NOUN
easat-11297	127	33	,	,	PUNCT
easat-11297	127	34	particularly	particularly	ADV
easat-11297	127	35	in	in	ADP
easat-11297	127	36	reducing	reduce	VERB
easat-11297	127	37	false	false	ADJ
easat-11297	127	38	positive	positive	ADJ
easat-11297	127	39	rates	rate	NOUN
easat-11297	127	40	.	.	PUNCT
easat-11297	128	1	although	although	SCONJ
easat-11297	128	2	standard	standard	ADJ
easat-11297	128	3	metrics	metric	NOUN
easat-11297	128	4	were	be	AUX
easat-11297	128	5	used	use	VERB
easat-11297	128	6	,	,	PUNCT
easat-11297	128	7	more	more	ADV
easat-11297	128	8	advanced	advanced	ADJ
easat-11297	128	9	measures	measure	NOUN
easat-11297	128	10	like	like	ADP
easat-11297	128	11	auc	auc	NOUN
easat-11297	128	12	-	-	PUNCT
easat-11297	128	13	roc	roc	NOUN
easat-11297	128	14	curves	curve	NOUN
easat-11297	128	15	,	,	PUNCT
easat-11297	128	16	classification	classification	NOUN
easat-11297	128	17	reports	report	NOUN
easat-11297	128	18	,	,	PUNCT
easat-11297	128	19	and	and	CCONJ
easat-11297	128	20	confusion	confusion	NOUN
easat-11297	128	21	matrices	matrix	NOUN
easat-11297	128	22	were	be	AUX
easat-11297	128	23	not	not	PART
easat-11297	128	24	included	include	VERB
easat-11297	128	25	in	in	ADP
easat-11297	128	26	the	the	DET
easat-11297	128	27	analysis	analysis	NOUN
easat-11297	128	28	[	[	X
easat-11297	128	29	28	28	NUM
easat-11297	128	30	]	]	PUNCT
easat-11297	128	31	.	.	PUNCT
easat-11297	129	1	the	the	DET
easat-11297	129	2	focus	focus	NOUN
easat-11297	129	3	was	be	AUX
easat-11297	129	4	on	on	ADP
easat-11297	129	5	the	the	DET
easat-11297	129	6	ensemble	ensemble	ADJ
easat-11297	129	7	models	model	NOUN
easat-11297	129	8	’	'	PUNCT
easat-11297	129	9	ability	ability	NOUN
easat-11297	129	10	to	to	PART
easat-11297	129	11	perform	perform	VERB
easat-11297	129	12	well	well	ADV
easat-11297	129	13	on	on	ADP
easat-11297	129	14	unseen	unseen	ADJ
easat-11297	129	15	data	datum	NOUN
easat-11297	129	16	.	.	PUNCT
easat-11297	130	1	stacking	stacking	NOUN
easat-11297	130	2	,	,	PUNCT
easat-11297	130	3	bagging	bagging	NOUN
easat-11297	130	4	,	,	PUNCT
easat-11297	130	5	and	and	CCONJ
easat-11297	130	6	boosting	boost	VERB
easat-11297	130	7	ensemble	ensemble	ADJ
easat-11297	130	8	learning	learning	NOUN
easat-11297	130	9	methods	method	NOUN
easat-11297	130	10	were	be	AUX
easat-11297	130	11	successfully	successfully	ADV
easat-11297	130	12	applied	apply	VERB
easat-11297	130	13	to	to	ADP
easat-11297	130	14	multiple	multiple	ADJ
easat-11297	130	15	credit	credit	NOUN
easat-11297	130	16	scoring	scoring	NOUN
easat-11297	130	17	datasets	dataset	NOUN
easat-11297	130	18	,	,	PUNCT
easat-11297	130	19	showing	show	VERB
easat-11297	130	20	better	well	ADJ
easat-11297	130	21	performance	performance	NOUN
easat-11297	130	22	in	in	ADP
easat-11297	130	23	terms	term	NOUN
easat-11297	130	24	of	of	ADP
easat-11297	130	25	accuracy	accuracy	NOUN
easat-11297	130	26	,	,	PUNCT
easat-11297	130	27	stability	stability	NOUN
easat-11297	130	28	,	,	PUNCT
easat-11297	130	29	and	and	CCONJ
easat-11297	130	30	generalization	generalization	NOUN
easat-11297	130	31	compared	compare	VERB
easat-11297	130	32	to	to	ADP
easat-11297	130	33	standard	standard	ADJ
easat-11297	130	34	models	model	NOUN
easat-11297	130	35	.	.	PUNCT
easat-11297	131	1	these	these	DET
easat-11297	131	2	approaches	approach	NOUN
easat-11297	131	3	addressed	address	VERB
easat-11297	131	4	issues	issue	NOUN
easat-11297	131	5	like	like	ADP
easat-11297	131	6	class	class	NOUN
easat-11297	131	7	imbalance	imbalance	NOUN
easat-11297	131	8	and	and	CCONJ
easat-11297	131	9	overfitting	overfitting	NOUN
easat-11297	131	10	by	by	ADP
easat-11297	131	11	using	use	VERB
easat-11297	131	12	diverse	diverse	ADJ
easat-11297	131	13	data	datum	NOUN
easat-11297	131	14	and	and	CCONJ
easat-11297	131	15	combining	combine	VERB
easat-11297	131	16	the	the	DET
easat-11297	131	17	strengths	strength	NOUN
easat-11297	131	18	of	of	ADP
easat-11297	131	19	different	different	ADJ
easat-11297	131	20	algorithms	algorithm	NOUN
easat-11297	131	21	.	.	PUNCT
easat-11297	132	1	while	while	SCONJ
easat-11297	132	2	each	each	DET
easat-11297	132	3	method	method	NOUN
easat-11297	132	4	had	have	VERB
easat-11297	132	5	its	its	PRON
easat-11297	132	6	advantages	advantage	NOUN
easat-11297	132	7	,	,	PUNCT
easat-11297	132	8	the	the	DET
easat-11297	132	9	study	study	NOUN
easat-11297	132	10	highlighted	highlight	VERB
easat-11297	132	11	the	the	DET
easat-11297	132	12	potential	potential	NOUN
easat-11297	132	13	of	of	ADP
easat-11297	132	14	ensemble	ensemble	ADJ
easat-11297	132	15	learning	learning	NOUN
easat-11297	132	16	to	to	PART
easat-11297	132	17	revolutionize	revolutionize	VERB
easat-11297	132	18	credit	credit	NOUN
easat-11297	132	19	risk	risk	NOUN
easat-11297	132	20	prediction	prediction	NOUN
easat-11297	132	21	.	.	PUNCT
easat-11297	133	1	4	4	X
easat-11297	133	2	.	.	X
easat-11297	133	3	experiments	experiment	NOUN
easat-11297	133	4	and	and	CCONJ
easat-11297	133	5	results	result	VERB
easat-11297	133	6	the	the	DET
easat-11297	133	7	results	result	NOUN
easat-11297	133	8	of	of	ADP
easat-11297	133	9	the	the	DET
easat-11297	133	10	three	three	NUM
easat-11297	133	11	ensemble	ensemble	ADJ
easat-11297	133	12	learning	learning	NOUN
easat-11297	133	13	models	model	NOUN
easat-11297	133	14	:	:	PUNCT
easat-11297	133	15	stacking	stacking	NOUN
easat-11297	133	16	,	,	PUNCT
easat-11297	133	17	bagging	bagging	NOUN
easat-11297	133	18	,	,	PUNCT
easat-11297	133	19	and	and	CCONJ
easat-11297	133	20	boosting	boost	VERB
easat-11297	133	21	on	on	ADP
easat-11297	133	22	three	three	NUM
easat-11297	133	23	credit	credit	NOUN
easat-11297	133	24	scoring	scoring	NOUN
easat-11297	133	25	datasets	dataset	NOUN
easat-11297	133	26	.	.	PUNCT
easat-11297	134	1	the	the	DET
easat-11297	134	2	evaluation	evaluation	NOUN
easat-11297	134	3	of	of	ADP
easat-11297	134	4	the	the	DET
easat-11297	134	5	performance	performance	NOUN
easat-11297	134	6	of	of	ADP
easat-11297	134	7	each	each	PRON
easat-11297	134	8	of	of	ADP
easat-11297	134	9	the	the	DET
easat-11297	134	10	models	model	NOUN
easat-11297	134	11	is	be	AUX
easat-11297	134	12	done	do	VERB
easat-11297	134	13	using	use	VERB
easat-11297	134	14	the	the	DET
easat-11297	134	15	accuracy	accuracy	NOUN
easat-11297	134	16	of	of	ADP
easat-11297	134	17	the	the	DET
easat-11297	134	18	model	model	NOUN
easat-11297	134	19	,	,	PUNCT
easat-11297	134	20	precision	precision	NOUN
easat-11297	134	21	,	,	PUNCT
easat-11297	134	22	recall	recall	NOUN
easat-11297	134	23	,	,	PUNCT
easat-11297	134	24	and	and	CCONJ
easat-11297	134	25	f1	f1	NOUN
easat-11297	134	26	-	-	PUNCT
easat-11297	134	27	score	score	NOUN
easat-11297	134	28	,	,	PUNCT
easat-11297	134	29	which	which	PRON
easat-11297	134	30	provides	provide	VERB
easat-11297	134	31	a	a	DET
easat-11297	134	32	clear	clear	ADJ
easat-11297	134	33	picture	picture	NOUN
easat-11297	134	34	of	of	ADP
easat-11297	134	35	the	the	DET
easat-11297	134	36	models	model	NOUN
easat-11297	134	37	in	in	ADP
easat-11297	134	38	predicting	predict	VERB
easat-11297	134	39	credit	credit	NOUN
easat-11297	134	40	risk	risk	NOUN
easat-11297	134	41	.	.	PUNCT
easat-11297	135	1	additionally	additionally	ADV
easat-11297	135	2	,	,	PUNCT
easat-11297	135	3	eda	eda	PROPN
easat-11297	135	4	is	be	AUX
easat-11297	135	5	performed	perform	VERB
easat-11297	135	6	to	to	PART
easat-11297	135	7	showcase	showcase	VERB
easat-11297	135	8	some	some	PRON
easat-11297	135	9	of	of	ADP
easat-11297	135	10	the	the	DET
easat-11297	135	11	main	main	ADJ
easat-11297	135	12	characteristics	characteristic	NOUN
easat-11297	135	13	and	and	CCONJ
easat-11297	135	14	trends	trend	NOUN
easat-11297	135	15	of	of	ADP
easat-11297	135	16	each	each	DET
easat-11297	135	17	dataset	dataset	NOUN
easat-11297	135	18	.	.	PUNCT
easat-11297	136	1	the	the	DET
easat-11297	136	2	results	result	NOUN
easat-11297	136	3	should	should	AUX
easat-11297	136	4	provide	provide	VERB
easat-11297	136	5	a	a	DET
easat-11297	136	6	basis	basis	NOUN
easat-11297	136	7	for	for	ADP
easat-11297	136	8	comparing	compare	VERB
easat-11297	136	9	the	the	DET
easat-11297	136	10	advantages	advantage	NOUN
easat-11297	136	11	and	and	CCONJ
easat-11297	136	12	disadvantages	disadvantage	NOUN
easat-11297	136	13	of	of	ADP
easat-11297	136	14	the	the	DET
easat-11297	136	15	ensemble	ensemble	ADJ
easat-11297	136	16	methods	method	NOUN
easat-11297	136	17	and	and	CCONJ
easat-11297	136	18	which	which	PRON
easat-11297	136	19	of	of	ADP
easat-11297	136	20	them	they	PRON
easat-11297	136	21	can	can	AUX
easat-11297	136	22	provide	provide	VERB
easat-11297	136	23	the	the	DET
easat-11297	136	24	most	most	ADV
easat-11297	136	25	accurate	accurate	ADJ
easat-11297	136	26	and	and	CCONJ
easat-11297	136	27	stable	stable	ADJ
easat-11297	136	28	credit	credit	NOUN
easat-11297	136	29	scoring	scoring	NOUN
easat-11297	136	30	results	result	NOUN
easat-11297	136	31	.	.	PUNCT
easat-11297	137	1	4.1	4.1	NUM
easat-11297	137	2	.	.	PUNCT
easat-11297	137	3	exploratory	exploratory	ADJ
easat-11297	137	4	data	datum	NOUN
easat-11297	137	5	analysis	analysis	NOUN
easat-11297	137	6	(	(	PUNCT
easat-11297	137	7	eda	eda	X
easat-11297	137	8	)	)	PUNCT
easat-11297	137	9	for	for	ADP
easat-11297	137	10	dataset	dataset	ADJ
easat-11297	137	11	1	1	NUM
easat-11297	137	12	dataset	dataset	NOUN
easat-11297	137	13	1	1	NUM
easat-11297	137	14	consists	consist	NOUN
easat-11297	137	15	of	of	ADP
easat-11297	137	16	28	28	NUM
easat-11297	137	17	fields	field	NOUN
easat-11297	137	18	,	,	PUNCT
easat-11297	137	19	including	include	VERB
easat-11297	137	20	customerid	customerid	VERB
easat-11297	137	21	,	,	PUNCT
easat-11297	137	22	age	age	NOUN
easat-11297	137	23	,	,	PUNCT
easat-11297	137	24	occupation	occupation	NOUN
easat-11297	137	25	,	,	PUNCT
easat-11297	137	26	annual	annual	ADJ
easat-11297	137	27	income	income	NOUN
easat-11297	137	28	,	,	PUNCT
easat-11297	137	29	and	and	CCONJ
easat-11297	137	30	credit	credit	NOUN
easat-11297	137	31	score	score	NOUN
easat-11297	137	32	,	,	PUNCT
easat-11297	137	33	with	with	ADP
easat-11297	137	34	variables	variable	NOUN
easat-11297	137	35	such	such	ADJ
easat-11297	137	36	as	as	ADP
easat-11297	137	37	monthly	monthly	ADJ
easat-11297	137	38	inhand	inhand	NOUN
easat-11297	137	39	salary	salary	NOUN
easat-11297	137	40	,	,	PUNCT
easat-11297	137	41	outstanding	outstanding	ADJ
easat-11297	137	42	debt	debt	NOUN
easat-11297	137	43	,	,	PUNCT
easat-11297	137	44	credit	credit	NOUN
easat-11297	137	45	utilization	utilization	NOUN
easat-11297	137	46	ratio	ratio	NOUN
easat-11297	137	47	,	,	PUNCT
easat-11297	137	48	and	and	CCONJ
easat-11297	137	49	credit	credit	NOUN
easat-11297	137	50	mix	mix	NOUN
easat-11297	137	51	being	be	AUX
easat-11297	137	52	crucial	crucial	ADJ
easat-11297	137	53	for	for	ADP
easat-11297	137	54	assessing	assess	VERB
easat-11297	137	55	credit	credit	NOUN
easat-11297	137	56	risk	risk	NOUN
easat-11297	137	57	.	.	PUNCT
easat-11297	138	1	it	it	PRON
easat-11297	138	2	also	also	ADV
easat-11297	138	3	contains	contain	VERB
easat-11297	138	4	categorical	categorical	ADJ
easat-11297	138	5	variables	variable	NOUN
easat-11297	138	6	like	like	ADP
easat-11297	138	7	payment	payment	NOUN
easat-11297	138	8	behaviour	behaviour	NOUN
easat-11297	138	9	and	and	CCONJ
easat-11297	138	10	credit	credit	NOUN
easat-11297	138	11	score	score	NOUN
easat-11297	138	12	categories	category	NOUN
easat-11297	138	13	(	(	PUNCT
easat-11297	138	14	good	good	ADJ
easat-11297	138	15	,	,	PUNCT
easat-11297	138	16	standard	standard	NOUN
easat-11297	138	17	,	,	PUNCT
easat-11297	138	18	poor	poor	ADJ
easat-11297	138	19	)	)	PUNCT
easat-11297	138	20	.	.	PUNCT
easat-11297	139	1	the	the	DET
easat-11297	139	2	bar	bar	NOUN
easat-11297	139	3	chart	chart	NOUN
easat-11297	139	4	of	of	ADP
easat-11297	139	5	credit	credit	NOUN
easat-11297	139	6	score	score	NOUN
easat-11297	139	7	distribution	distribution	NOUN
easat-11297	139	8	shows	show	VERB
easat-11297	139	9	a	a	DET
easat-11297	139	10	skewed	skewed	ADJ
easat-11297	139	11	class	class	NOUN
easat-11297	139	12	distribution	distribution	NOUN
easat-11297	139	13	,	,	PUNCT
easat-11297	139	14	with	with	ADP
easat-11297	139	15	the	the	DET
easat-11297	139	16	standard	standard	ADJ
easat-11297	139	17	category	category	NOUN
easat-11297	139	18	being	be	AUX
easat-11297	139	19	the	the	DET
easat-11297	139	20	most	most	ADV
easat-11297	139	21	common	common	ADJ
easat-11297	139	22	(	(	PUNCT
easat-11297	139	23	over	over	ADP
easat-11297	139	24	50,000	50,000	NUM
easat-11297	139	25	observations	observation	NOUN
easat-11297	139	26	)	)	PUNCT
easat-11297	139	27	,	,	PUNCT
easat-11297	139	28	followed	follow	VERB
easat-11297	139	29	by	by	ADP
easat-11297	139	30	poor	poor	ADJ
easat-11297	139	31	(	(	PUNCT
easat-11297	139	32	30,000	30,000	NUM
easat-11297	139	33	)	)	PUNCT
easat-11297	139	34	and	and	CCONJ
easat-11297	139	35	good	good	ADJ
easat-11297	139	36	(	(	PUNCT
easat-11297	139	37	20,000	20,000	NUM
easat-11297	139	38	)	)	PUNCT
easat-11297	139	39	.	.	PUNCT
easat-11297	140	1	this	this	DET
easat-11297	140	2	imbalance	imbalance	NOUN
easat-11297	140	3	could	could	AUX
easat-11297	140	4	pose	pose	VERB
easat-11297	140	5	challenges	challenge	NOUN
easat-11297	140	6	for	for	ADP
easat-11297	140	7	machine	machine	NOUN
easat-11297	140	8	learning	learning	NOUN
easat-11297	140	9	models	model	NOUN
easat-11297	140	10	and	and	CCONJ
easat-11297	140	11	may	may	AUX
easat-11297	140	12	require	require	VERB
easat-11297	140	13	techniques	technique	NOUN
easat-11297	140	14	like	like	ADP
easat-11297	140	15	boosting	boost	VERB
easat-11297	140	16	to	to	PART
easat-11297	140	17	address	address	VERB
easat-11297	140	18	it	it	PRON
easat-11297	140	19	2	2	NUM
easat-11297	140	20	.	.	X
easat-11297	140	21	129	129	NUM
easat-11297	140	22	edelweiss	edelweiss	PROPN
easat-11297	140	23	applied	apply	VERB
easat-11297	140	24	science	science	NOUN
easat-11297	140	25	and	and	CCONJ
easat-11297	140	26	technology	technology	NOUN
easat-11297	140	27	issn	issn	PROPN
easat-11297	140	28	:	:	PUNCT
easat-11297	140	29	2576	2576	NUM
easat-11297	140	30	-	-	SYM
easat-11297	140	31	8484	8484	NUM
easat-11297	140	32	vol	vol	NOUN
easat-11297	140	33	.	.	PROPN
easat-11297	141	1	9	9	NUM
easat-11297	141	2	,	,	PUNCT
easat-11297	141	3	no	no	INTJ
easat-11297	141	4	.	.	NOUN
easat-11297	141	5	12	12	NUM
easat-11297	141	6	:	:	PUNCT
easat-11297	141	7	124	124	NUM
easat-11297	141	8	-	-	SYM
easat-11297	141	9	147	147	NUM
easat-11297	141	10	,	,	PUNCT
easat-11297	141	11	2025	2025	NUM
easat-11297	141	12	doi	doi	NOUN
easat-11297	141	13	:	:	PUNCT
easat-11297	141	14	10.55214/2576	10.55214/2576	NUM
easat-11297	141	15	-	-	SYM
easat-11297	141	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	142	1	©	©	PROPN
easat-11297	142	2	2025	2025	NUM
easat-11297	142	3	by	by	ADP
easat-11297	142	4	the	the	DET
easat-11297	142	5	authors	author	NOUN
easat-11297	142	6	;	;	PUNCT
easat-11297	142	7	licensee	licensee	PROPN
easat-11297	142	8	learning	learn	VERB
easat-11297	142	9	gate	gate	NOUN
easat-11297	142	10	figure	figure	NOUN
easat-11297	142	11	2	2	NUM
easat-11297	142	12	.	.	PUNCT
easat-11297	142	13	bar	bar	NOUN
easat-11297	142	14	chart	chart	NOUN
easat-11297	142	15	for	for	ADP
easat-11297	142	16	credit	credit	NOUN
easat-11297	142	17	score	score	NOUN
easat-11297	142	18	distribution	distribution	NOUN
easat-11297	142	19	.	.	PUNCT
easat-11297	143	1	4.2	4.2	NUM
easat-11297	143	2	.	.	PUNCT
easat-11297	143	3	model	model	NOUN
easat-11297	143	4	performance	performance	NOUN
easat-11297	143	5	on	on	ADP
easat-11297	143	6	dataset	dataset	NOUN
easat-11297	143	7	1	1	NUM
easat-11297	143	8	the	the	DET
easat-11297	143	9	performance	performance	NOUN
easat-11297	143	10	of	of	ADP
easat-11297	143	11	the	the	DET
easat-11297	143	12	three	three	NUM
easat-11297	143	13	ensemble	ensemble	ADJ
easat-11297	143	14	models	model	NOUN
easat-11297	143	15	,	,	PUNCT
easat-11297	143	16	stacking	stacking	NOUN
easat-11297	143	17	,	,	PUNCT
easat-11297	143	18	bagging	bagging	NOUN
easat-11297	143	19	,	,	PUNCT
easat-11297	143	20	and	and	CCONJ
easat-11297	143	21	boosting	boost	VERB
easat-11297	143	22	,	,	PUNCT
easat-11297	143	23	on	on	ADP
easat-11297	143	24	dataset	dataset	NOUN
easat-11297	143	25	1	1	NUM
easat-11297	143	26	is	be	AUX
easat-11297	143	27	evaluated	evaluate	VERB
easat-11297	143	28	using	use	VERB
easat-11297	143	29	classification	classification	NOUN
easat-11297	143	30	reports	report	NOUN
easat-11297	143	31	and	and	CCONJ
easat-11297	143	32	confusion	confusion	NOUN
easat-11297	143	33	matrices	matrix	NOUN
easat-11297	143	34	,	,	PUNCT
easat-11297	143	35	with	with	ADP
easat-11297	143	36	evaluation	evaluation	NOUN
easat-11297	143	37	metrics	metric	NOUN
easat-11297	143	38	such	such	ADJ
easat-11297	143	39	as	as	ADP
easat-11297	143	40	precision	precision	NOUN
easat-11297	143	41	,	,	PUNCT
easat-11297	143	42	recall	recall	NOUN
easat-11297	143	43	,	,	PUNCT
easat-11297	143	44	f1	f1	NOUN
easat-11297	143	45	-	-	PUNCT
easat-11297	143	46	score	score	NOUN
easat-11297	143	47	,	,	PUNCT
easat-11297	143	48	and	and	CCONJ
easat-11297	143	49	accuracy	accuracy	NOUN
easat-11297	143	50	as	as	SCONJ
easat-11297	143	51	shown	show	VERB
easat-11297	143	52	in	in	ADP
easat-11297	143	53	table	table	NOUN
easat-11297	143	54	1	1	NUM
easat-11297	143	55	.	.	PUNCT
easat-11297	144	1	each	each	DET
easat-11297	144	2	model	model	NOUN
easat-11297	144	3	is	be	AUX
easat-11297	144	4	trained	train	VERB
easat-11297	144	5	to	to	PART
easat-11297	144	6	predict	predict	VERB
easat-11297	144	7	the	the	DET
easat-11297	144	8	credit	credit	NOUN
easat-11297	144	9	score	score	NOUN
easat-11297	144	10	category	category	NOUN
easat-11297	144	11	(	(	PUNCT
easat-11297	144	12	good	good	ADJ
easat-11297	144	13	,	,	PUNCT
easat-11297	144	14	poor	poor	ADJ
easat-11297	144	15	,	,	PUNCT
easat-11297	144	16	or	or	CCONJ
easat-11297	144	17	standard	standard	NOUN
easat-11297	144	18	)	)	PUNCT
easat-11297	144	19	for	for	ADP
easat-11297	144	20	the	the	DET
easat-11297	144	21	customers	customer	NOUN
easat-11297	144	22	in	in	ADP
easat-11297	144	23	the	the	DET
easat-11297	144	24	dataset	dataset	NOUN
easat-11297	144	25	.	.	PUNCT
easat-11297	145	1	table	table	NOUN
easat-11297	145	2	1	1	NUM
easat-11297	145	3	.	.	PUNCT
easat-11297	146	1	evaluation	evaluation	NOUN
easat-11297	146	2	of	of	ADP
easat-11297	146	3	the	the	DET
easat-11297	146	4	stacking	stacking	NOUN
easat-11297	146	5	model	model	NOUN
easat-11297	146	6	for	for	ADP
easat-11297	146	7	dataset	dataset	NOUN
easat-11297	146	8	1	1	NUM
easat-11297	146	9	.	.	PUNCT
easat-11297	146	10	precision	precision	NOUN
easat-11297	146	11	recall	recall	NOUN
easat-11297	146	12	f1	f1	NOUN
easat-11297	146	13	-	-	PUNCT
easat-11297	146	14	score	score	NOUN
easat-11297	146	15	support	support	NOUN
easat-11297	146	16	good	good	ADJ
easat-11297	146	17	0.79	0.79	NUM
easat-11297	146	18	%	%	NOUN
easat-11297	146	19	0.78	0.78	NUM
easat-11297	146	20	%	%	NOUN
easat-11297	146	21	0.78	0.78	NUM
easat-11297	146	22	%	%	NOUN
easat-11297	146	23	3527	3527	NUM
easat-11297	146	24	%	%	NOUN
easat-11297	146	25	poor	poor	ADJ
easat-11297	146	26	0.80	0.80	NUM
easat-11297	146	27	%	%	NOUN
easat-11297	146	28	0.85	0.85	NUM
easat-11297	146	29	%	%	NOUN
easat-11297	146	30	0.83	0.83	NUM
easat-11297	146	31	%	%	NOUN
easat-11297	146	32	5874	5874	NUM
easat-11297	146	33	%	%	NOUN
easat-11297	146	34	standard	standard	NOUN
easat-11297	146	35	0.84	0.84	NUM
easat-11297	146	36	%	%	NOUN
easat-11297	146	37	0.82	0.82	NUM
easat-11297	146	38	%	%	NOUN
easat-11297	146	39	0.83	0.83	NUM
easat-11297	146	40	%	%	NOUN
easat-11297	146	41	10599	10599	NUM
easat-11297	146	42	%	%	NOUN
easat-11297	146	43	accuracy	accuracy	NOUN
easat-11297	146	44	0.82	0.82	NUM
easat-11297	146	45	%	%	NOUN
easat-11297	146	46	20000	20000	NUM
easat-11297	146	47	%	%	NOUN
easat-11297	146	48	macro	macro	ADJ
easat-11297	146	49	avg	avg	NOUN
easat-11297	146	50	0.81	0.81	NUM
easat-11297	146	51	%	%	NOUN
easat-11297	146	52	0.82	0.82	NUM
easat-11297	146	53	%	%	NOUN
easat-11297	146	54	0.81	0.81	NUM
easat-11297	146	55	%	%	NOUN
easat-11297	146	56	20000	20000	NUM
easat-11297	146	57	%	%	NOUN
easat-11297	146	58	weighted	weight	VERB
easat-11297	146	59	avg	avg	PROPN
easat-11297	146	60	0.82	0.82	NUM
easat-11297	146	61	%	%	NOUN
easat-11297	146	62	0.82	0.82	NUM
easat-11297	146	63	%	%	NOUN
easat-11297	146	64	0.82	0.82	NUM
easat-11297	146	65	%	%	NOUN
easat-11297	146	66	20000	20000	NUM
easat-11297	146	67	%	%	NOUN
easat-11297	146	68	the	the	DET
easat-11297	146	69	stacking	stacking	NOUN
easat-11297	146	70	model	model	NOUN
easat-11297	146	71	,	,	PUNCT
easat-11297	146	72	which	which	PRON
easat-11297	146	73	combines	combine	VERB
easat-11297	146	74	predictions	prediction	NOUN
easat-11297	146	75	from	from	ADP
easat-11297	146	76	random	random	ADJ
easat-11297	146	77	forest	forest	NOUN
easat-11297	146	78	and	and	CCONJ
easat-11297	146	79	k	k	NOUN
easat-11297	146	80	-	-	PUNCT
easat-11297	146	81	nearest	near	ADJ
easat-11297	146	82	neighbors	neighbor	NOUN
easat-11297	146	83	(	(	PUNCT
easat-11297	146	84	knn	knn	PROPN
easat-11297	146	85	)	)	PUNCT
easat-11297	146	86	as	as	ADP
easat-11297	146	87	base	base	NOUN
easat-11297	146	88	models	model	NOUN
easat-11297	146	89	,	,	PUNCT
easat-11297	146	90	uses	use	VERB
easat-11297	146	91	logistic	logistic	ADJ
easat-11297	146	92	regression	regression	NOUN
easat-11297	146	93	as	as	ADP
easat-11297	146	94	the	the	DET
easat-11297	146	95	meta	meta	NOUN
easat-11297	146	96	-	-	PUNCT
easat-11297	146	97	model	model	NOUN
easat-11297	146	98	to	to	PART
easat-11297	146	99	make	make	VERB
easat-11297	146	100	the	the	DET
easat-11297	146	101	final	final	ADJ
easat-11297	146	102	predictions	prediction	NOUN
easat-11297	146	103	.	.	PUNCT
easat-11297	147	1	the	the	DET
easat-11297	147	2	ensemble	ensemble	ADJ
easat-11297	147	3	model	model	NOUN
easat-11297	147	4	achieved	achieve	VERB
easat-11297	147	5	an	an	DET
easat-11297	147	6	overall	overall	ADJ
easat-11297	147	7	accuracy	accuracy	NOUN
easat-11297	147	8	of	of	ADP
easat-11297	147	9	82	82	NUM
easat-11297	147	10	%	%	NOUN
easat-11297	147	11	.	.	PUNCT
easat-11297	148	1	the	the	DET
easat-11297	148	2	precision	precision	NOUN
easat-11297	148	3	and	and	CCONJ
easat-11297	148	4	recall	recall	NOUN
easat-11297	148	5	were	be	AUX
easat-11297	148	6	consistently	consistently	ADV
easat-11297	148	7	high	high	ADJ
easat-11297	148	8	across	across	ADP
easat-11297	148	9	all	all	DET
easat-11297	148	10	three	three	NUM
easat-11297	148	11	credit	credit	NOUN
easat-11297	148	12	score	score	NOUN
easat-11297	148	13	categories	category	NOUN
easat-11297	148	14	.	.	PUNCT
easat-11297	149	1	the	the	DET
easat-11297	149	2	evaluation	evaluation	NOUN
easat-11297	149	3	metrics	metric	NOUN
easat-11297	149	4	for	for	ADP
easat-11297	149	5	the	the	DET
easat-11297	149	6	credit	credit	NOUN
easat-11297	149	7	score	score	NOUN
easat-11297	149	8	categories	category	NOUN
easat-11297	149	9	are	be	AUX
easat-11297	149	10	as	as	SCONJ
easat-11297	149	11	follows	follow	VERB
easat-11297	149	12	:	:	PUNCT
easat-11297	149	13	for	for	ADP
easat-11297	149	14	a	a	DET
easat-11297	149	15	good	good	ADJ
easat-11297	149	16	credit	credit	NOUN
easat-11297	149	17	score	score	NOUN
easat-11297	149	18	,	,	PUNCT
easat-11297	149	19	precision	precision	NOUN
easat-11297	149	20	is	be	AUX
easat-11297	149	21	0.79	0.79	NUM
easat-11297	149	22	,	,	PUNCT
easat-11297	149	23	recall	recall	NOUN
easat-11297	149	24	is	be	AUX
easat-11297	149	25	0.78	0.78	NUM
easat-11297	149	26	,	,	PUNCT
easat-11297	149	27	and	and	CCONJ
easat-11297	149	28	f1	f1	NOUN
easat-11297	149	29	-	-	PUNCT
easat-11297	149	30	score	score	NOUN
easat-11297	149	31	is	be	AUX
easat-11297	149	32	0.78	0.78	NUM
easat-11297	149	33	.	.	PUNCT
easat-11297	150	1	for	for	ADP
easat-11297	150	2	poor	poor	ADJ
easat-11297	150	3	credit	credit	NOUN
easat-11297	150	4	score	score	NOUN
easat-11297	150	5	,	,	PUNCT
easat-11297	150	6	precision	precision	NOUN
easat-11297	150	7	is	be	AUX
easat-11297	150	8	0.80	0.80	NUM
easat-11297	150	9	,	,	PUNCT
easat-11297	150	10	recall	recall	NOUN
easat-11297	150	11	is	be	AUX
easat-11297	150	12	130	130	NUM
easat-11297	150	13	edelweiss	edelweiss	PROPN
easat-11297	150	14	applied	apply	VERB
easat-11297	150	15	science	science	NOUN
easat-11297	150	16	and	and	CCONJ
easat-11297	150	17	technology	technology	NOUN
easat-11297	150	18	issn	issn	PROPN
easat-11297	150	19	:	:	PUNCT
easat-11297	150	20	2576	2576	NUM
easat-11297	150	21	-	-	SYM
easat-11297	150	22	8484	8484	NUM
easat-11297	150	23	vol	vol	NOUN
easat-11297	150	24	.	.	PROPN
easat-11297	151	1	9	9	NUM
easat-11297	151	2	,	,	PUNCT
easat-11297	151	3	no	no	INTJ
easat-11297	151	4	.	.	NOUN
easat-11297	151	5	12	12	NUM
easat-11297	151	6	:	:	PUNCT
easat-11297	151	7	124	124	NUM
easat-11297	151	8	-	-	SYM
easat-11297	151	9	147	147	NUM
easat-11297	151	10	,	,	PUNCT
easat-11297	151	11	2025	2025	NUM
easat-11297	151	12	doi	doi	NOUN
easat-11297	151	13	:	:	PUNCT
easat-11297	151	14	10.55214/2576	10.55214/2576	NUM
easat-11297	151	15	-	-	SYM
easat-11297	151	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	152	1	©	©	PROPN
easat-11297	152	2	2025	2025	NUM
easat-11297	152	3	by	by	ADP
easat-11297	152	4	the	the	DET
easat-11297	152	5	authors	author	NOUN
easat-11297	152	6	;	;	PUNCT
easat-11297	152	7	licensee	licensee	PROPN
easat-11297	152	8	learning	learning	NOUN
easat-11297	152	9	gate	gate	NOUN
easat-11297	152	10	0.85	0.85	NUM
easat-11297	152	11	,	,	PUNCT
easat-11297	152	12	and	and	CCONJ
easat-11297	152	13	f1	f1	NOUN
easat-11297	152	14	-	-	PUNCT
easat-11297	152	15	score	score	NOUN
easat-11297	152	16	is	be	AUX
easat-11297	152	17	0.83	0.83	NUM
easat-11297	152	18	.	.	PUNCT
easat-11297	153	1	lastly	lastly	ADV
easat-11297	153	2	,	,	PUNCT
easat-11297	153	3	for	for	ADP
easat-11297	153	4	the	the	DET
easat-11297	153	5	standard	standard	ADJ
easat-11297	153	6	credit	credit	NOUN
easat-11297	153	7	score	score	NOUN
easat-11297	153	8	,	,	PUNCT
easat-11297	153	9	precision	precision	NOUN
easat-11297	153	10	is	be	AUX
easat-11297	153	11	0.84	0.84	NUM
easat-11297	153	12	,	,	PUNCT
easat-11297	153	13	recall	recall	NOUN
easat-11297	153	14	is	be	AUX
easat-11297	153	15	0.82	0.82	NUM
easat-11297	153	16	,	,	PUNCT
easat-11297	153	17	and	and	CCONJ
easat-11297	153	18	f1	f1	NOUN
easat-11297	153	19	-	-	PUNCT
easat-11297	153	20	score	score	NOUN
easat-11297	153	21	is	be	AUX
easat-11297	153	22	0.83	0.83	NUM
easat-11297	153	23	.	.	PUNCT
easat-11297	154	1	see	see	VERB
easat-11297	154	2	3	3	NUM
easat-11297	154	3	.	.	PUNCT
easat-11297	154	4	figure	figure	NOUN
easat-11297	154	5	3	3	NUM
easat-11297	154	6	.	.	PUNCT
easat-11297	154	7	confusion	confusion	NOUN
easat-11297	154	8	matrix	matrix	NOUN
easat-11297	154	9	for	for	ADP
easat-11297	154	10	stacking	stack	VERB
easat-11297	154	11	model(dataset-1	model(dataset-1	NOUN
easat-11297	154	12	)	)	PUNCT
easat-11297	154	13	.	.	PUNCT
easat-11297	155	1	the	the	DET
easat-11297	155	2	confusion	confusion	NOUN
easat-11297	155	3	matrix	matrix	NOUN
easat-11297	155	4	for	for	ADP
easat-11297	155	5	the	the	DET
easat-11297	155	6	stacking	stacking	NOUN
easat-11297	155	7	model	model	NOUN
easat-11297	155	8	reveals	reveal	VERB
easat-11297	155	9	that	that	SCONJ
easat-11297	155	10	most	most	ADJ
easat-11297	155	11	misclassifications	misclassification	NOUN
easat-11297	155	12	occurred	occur	VERB
easat-11297	155	13	between	between	ADP
easat-11297	155	14	the	the	DET
easat-11297	155	15	standard	standard	ADJ
easat-11297	155	16	and	and	CCONJ
easat-11297	155	17	good	good	ADJ
easat-11297	155	18	classes	class	NOUN
easat-11297	155	19	.	.	PUNCT
easat-11297	156	1	however	however	ADV
easat-11297	156	2	,	,	PUNCT
easat-11297	156	3	the	the	DET
easat-11297	156	4	model	model	NOUN
easat-11297	156	5	performed	perform	VERB
easat-11297	156	6	well	well	ADV
easat-11297	156	7	in	in	ADP
easat-11297	156	8	correctly	correctly	ADV
easat-11297	156	9	classifying	classify	VERB
easat-11297	156	10	the	the	DET
easat-11297	156	11	poor	poor	ADJ
easat-11297	156	12	credit	credit	NOUN
easat-11297	156	13	score	score	NOUN
easat-11297	156	14	category	category	NOUN
easat-11297	156	15	,	,	PUNCT
easat-11297	156	16	showing	show	VERB
easat-11297	156	17	strong	strong	ADJ
easat-11297	156	18	recall	recall	NOUN
easat-11297	156	19	values	value	NOUN
easat-11297	156	20	for	for	ADP
easat-11297	156	21	this	this	DET
easat-11297	156	22	category	category	NOUN
easat-11297	156	23	.	.	PUNCT
easat-11297	157	1	as	as	ADP
easat-11297	157	2	table	table	NOUN
easat-11297	157	3	2	2	NUM
easat-11297	157	4	shows	show	NOUN
easat-11297	157	5	,	,	PUNCT
easat-11297	157	6	the	the	DET
easat-11297	157	7	bagging	bagging	NOUN
easat-11297	157	8	model	model	NOUN
easat-11297	157	9	used	use	VERB
easat-11297	157	10	a	a	DET
easat-11297	157	11	decision	decision	NOUN
easat-11297	157	12	tree	tree	NOUN
easat-11297	157	13	as	as	ADP
easat-11297	157	14	the	the	DET
easat-11297	157	15	base	base	NOUN
easat-11297	157	16	estimator	estimator	NOUN
easat-11297	157	17	within	within	ADP
easat-11297	157	18	the	the	DET
easat-11297	157	19	bagging	bagging	NOUN
easat-11297	157	20	classifier	classifier	NOUN
easat-11297	157	21	.	.	PUNCT
easat-11297	158	1	this	this	DET
easat-11297	158	2	model	model	NOUN
easat-11297	158	3	achieved	achieve	VERB
easat-11297	158	4	an	an	DET
easat-11297	158	5	overall	overall	ADJ
easat-11297	158	6	accuracy	accuracy	NOUN
easat-11297	158	7	of	of	ADP
easat-11297	158	8	80	80	NUM
easat-11297	158	9	%	%	NOUN
easat-11297	158	10	and	and	CCONJ
easat-11297	158	11	demonstrated	demonstrate	VERB
easat-11297	158	12	robust	robust	ADJ
easat-11297	158	13	performance	performance	NOUN
easat-11297	158	14	in	in	ADP
easat-11297	158	15	identifying	identify	VERB
easat-11297	158	16	customers	customer	NOUN
easat-11297	158	17	with	with	ADP
easat-11297	158	18	both	both	CCONJ
easat-11297	158	19	good	good	ADJ
easat-11297	158	20	and	and	CCONJ
easat-11297	158	21	poor	poor	ADJ
easat-11297	158	22	credit	credit	NOUN
easat-11297	158	23	scores	score	NOUN
easat-11297	158	24	.	.	PUNCT
easat-11297	159	1	table	table	NOUN
easat-11297	159	2	2	2	NUM
easat-11297	159	3	.	.	PUNCT
easat-11297	159	4	evaluation	evaluation	NOUN
easat-11297	159	5	of	of	ADP
easat-11297	159	6	the	the	DET
easat-11297	159	7	bagging	bagging	NOUN
easat-11297	159	8	model	model	NOUN
easat-11297	159	9	for	for	ADP
easat-11297	159	10	dataset-1	dataset-1	PROPN
easat-11297	159	11	.	.	PROPN
easat-11297	159	12	precision	precision	NOUN
easat-11297	159	13	recall	recall	VERB
easat-11297	159	14	f1	f1	NOUN
easat-11297	159	15	-	-	PUNCT
easat-11297	159	16	score	score	NOUN
easat-11297	159	17	support	support	NOUN
easat-11297	159	18	good	good	ADJ
easat-11297	159	19	0.76	0.76	NUM
easat-11297	159	20	%	%	NOUN
easat-11297	159	21	0.78	0.78	NUM
easat-11297	159	22	%	%	NOUN
easat-11297	159	23	0.77	0.77	NUM
easat-11297	159	24	%	%	NOUN
easat-11297	159	25	3527	3527	NUM
easat-11297	159	26	%	%	NOUN
easat-11297	159	27	poor	poor	ADJ
easat-11297	159	28	0.78	0.78	NUM
easat-11297	159	29	%	%	NOUN
easat-11297	159	30	0.84	0.84	NUM
easat-11297	159	31	%	%	NOUN
easat-11297	159	32	0.81	0.81	NUM
easat-11297	159	33	%	%	NOUN
easat-11297	159	34	5874	5874	NUM
easat-11297	159	35	%	%	NOUN
easat-11297	159	36	standard	standard	ADJ
easat-11297	159	37	0.83	0.83	NUM
easat-11297	159	38	%	%	NOUN
easat-11297	159	39	0.79	0.79	NUM
easat-11297	159	40	%	%	NOUN
easat-11297	159	41	0.81	0.81	NUM
easat-11297	159	42	%	%	NOUN
easat-11297	159	43	10599	10599	NUM
easat-11297	159	44	%	%	NOUN
easat-11297	159	45	accuracy	accuracy	NOUN
easat-11297	159	46	0.74	0.74	NUM
easat-11297	159	47	%	%	NOUN
easat-11297	159	48	20000	20000	NUM
easat-11297	159	49	%	%	NOUN
easat-11297	159	50	macro	macro	ADJ
easat-11297	159	51	avg	avg	NOUN
easat-11297	159	52	0.73	0.73	NUM
easat-11297	159	53	%	%	NOUN
easat-11297	159	54	0.73	0.73	NUM
easat-11297	159	55	%	%	NOUN
easat-11297	159	56	0.73	0.73	NUM
easat-11297	159	57	%	%	NOUN
easat-11297	159	58	20000	20000	NUM
easat-11297	159	59	%	%	NOUN
easat-11297	159	60	weighted	weight	VERB
easat-11297	159	61	avg	avg	PROPN
easat-11297	159	62	0.74	0.74	NUM
easat-11297	159	63	%	%	NOUN
easat-11297	159	64	0.74	0.74	NUM
easat-11297	159	65	%	%	NOUN
easat-11297	159	66	0.74	0.74	NUM
easat-11297	159	67	%	%	NOUN
easat-11297	159	68	20000	20000	NUM
easat-11297	159	69	%	%	NOUN
easat-11297	159	70	4.2.1	4.2.1	NUM
easat-11297	159	71	.	.	PUNCT
easat-11297	160	1	bagging	bag	VERB
easat-11297	160	2	model	model	NOUN
easat-11297	160	3	classification	classification	NOUN
easat-11297	160	4	report	report	NOUN
easat-11297	160	5	the	the	DET
easat-11297	160	6	evaluation	evaluation	NOUN
easat-11297	160	7	metrics	metric	NOUN
easat-11297	160	8	for	for	ADP
easat-11297	160	9	the	the	DET
easat-11297	160	10	credit	credit	NOUN
easat-11297	160	11	score	score	NOUN
easat-11297	160	12	categories	category	NOUN
easat-11297	160	13	are	be	AUX
easat-11297	160	14	as	as	SCONJ
easat-11297	160	15	follows	follow	VERB
easat-11297	160	16	:	:	PUNCT
easat-11297	160	17	for	for	ADP
easat-11297	160	18	good	good	ADJ
easat-11297	160	19	credit	credit	NOUN
easat-11297	160	20	score	score	NOUN
easat-11297	160	21	,	,	PUNCT
easat-11297	160	22	precision	precision	NOUN
easat-11297	160	23	is	be	AUX
easat-11297	160	24	0.76	0.76	NUM
easat-11297	160	25	,	,	PUNCT
easat-11297	160	26	recall	recall	NOUN
easat-11297	160	27	is	be	AUX
easat-11297	160	28	0.78	0.78	NUM
easat-11297	160	29	,	,	PUNCT
easat-11297	160	30	and	and	CCONJ
easat-11297	160	31	f1	f1	NOUN
easat-11297	160	32	-	-	PUNCT
easat-11297	160	33	score	score	NOUN
easat-11297	160	34	is	be	AUX
easat-11297	160	35	0.77	0.77	NUM
easat-11297	160	36	.	.	PUNCT
easat-11297	161	1	for	for	ADP
easat-11297	161	2	poor	poor	ADJ
easat-11297	161	3	credit	credit	NOUN
easat-11297	161	4	score	score	NOUN
easat-11297	161	5	,	,	PUNCT
easat-11297	161	6	precision	precision	NOUN
easat-11297	161	7	is	be	AUX
easat-11297	161	8	0.78	0.78	NUM
easat-11297	161	9	,	,	PUNCT
easat-11297	161	10	recall	recall	NOUN
easat-11297	161	11	is	be	AUX
easat-11297	161	12	0.84	0.84	NUM
easat-11297	161	13	,	,	PUNCT
easat-11297	161	14	and	and	CCONJ
easat-11297	161	15	f1	f1	NOUN
easat-11297	161	16	-	-	PUNCT
easat-11297	161	17	score	score	NOUN
easat-11297	161	18	is	be	AUX
easat-11297	161	19	0.81	0.81	NUM
easat-11297	161	20	.	.	PUNCT
easat-11297	162	1	for	for	ADP
easat-11297	162	2	standard	standard	ADJ
easat-11297	162	3	credit	credit	NOUN
easat-11297	162	4	score	score	NOUN
easat-11297	162	5	,	,	PUNCT
easat-11297	162	6	precision	precision	NOUN
easat-11297	162	7	is	be	AUX
easat-11297	162	8	0.83	0.83	NUM
easat-11297	162	9	,	,	PUNCT
easat-11297	162	10	recall	recall	NOUN
easat-11297	162	11	is	be	AUX
easat-11297	162	12	0.79	0.79	NUM
easat-11297	162	13	,	,	PUNCT
easat-11297	162	14	and	and	CCONJ
easat-11297	162	15	f1	f1	NOUN
easat-11297	162	16	-	-	PUNCT
easat-11297	162	17	score	score	NOUN
easat-11297	162	18	is	be	AUX
easat-11297	162	19	0.81	0.81	NUM
easat-11297	162	20	.	.	PUNCT
easat-11297	163	1	131	131	NUM
easat-11297	163	2	edelweiss	edelweiss	PROPN
easat-11297	163	3	applied	apply	VERB
easat-11297	163	4	science	science	NOUN
easat-11297	163	5	and	and	CCONJ
easat-11297	163	6	technology	technology	NOUN
easat-11297	163	7	issn	issn	PROPN
easat-11297	163	8	:	:	PUNCT
easat-11297	163	9	2576	2576	NUM
easat-11297	163	10	-	-	SYM
easat-11297	163	11	8484	8484	NUM
easat-11297	163	12	vol	vol	NOUN
easat-11297	163	13	.	.	PROPN
easat-11297	164	1	9	9	NUM
easat-11297	164	2	,	,	PUNCT
easat-11297	164	3	no	no	INTJ
easat-11297	164	4	.	.	NOUN
easat-11297	164	5	12	12	NUM
easat-11297	164	6	:	:	PUNCT
easat-11297	164	7	124	124	NUM
easat-11297	164	8	-	-	SYM
easat-11297	164	9	147	147	NUM
easat-11297	164	10	,	,	PUNCT
easat-11297	164	11	2025	2025	NUM
easat-11297	164	12	doi	doi	NOUN
easat-11297	164	13	:	:	PUNCT
easat-11297	164	14	10.55214/2576	10.55214/2576	NUM
easat-11297	164	15	-	-	SYM
easat-11297	164	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	165	1	©	©	PROPN
easat-11297	165	2	2025	2025	NUM
easat-11297	165	3	by	by	ADP
easat-11297	165	4	the	the	DET
easat-11297	165	5	authors	author	NOUN
easat-11297	165	6	;	;	PUNCT
easat-11297	165	7	licensee	licensee	PROPN
easat-11297	165	8	learning	learn	VERB
easat-11297	165	9	gate	gate	NOUN
easat-11297	165	10	figure	figure	NOUN
easat-11297	165	11	4	4	NUM
easat-11297	165	12	.	.	PUNCT
easat-11297	165	13	confusion	confusion	NOUN
easat-11297	165	14	matrix	matrix	NOUN
easat-11297	165	15	for	for	ADP
easat-11297	165	16	bagging	bagging	NOUN
easat-11297	165	17	model	model	NOUN
easat-11297	165	18	(	(	PUNCT
easat-11297	165	19	dataset	dataset	NOUN
easat-11297	165	20	-1	-1	NOUN
easat-11297	165	21	)	)	PUNCT
easat-11297	165	22	.	.	PUNCT
easat-11297	166	1	the	the	DET
easat-11297	166	2	confusion	confusion	NOUN
easat-11297	166	3	matrix	matrix	NOUN
easat-11297	166	4	for	for	ADP
easat-11297	166	5	the	the	DET
easat-11297	166	6	bagging	bagging	NOUN
easat-11297	166	7	model	model	NOUN
easat-11297	166	8	shows	show	VERB
easat-11297	166	9	some	some	DET
easat-11297	166	10	misclassifications	misclassification	NOUN
easat-11297	166	11	,	,	PUNCT
easat-11297	166	12	especially	especially	ADV
easat-11297	166	13	between	between	ADP
easat-11297	166	14	standard	standard	ADJ
easat-11297	166	15	and	and	CCONJ
easat-11297	166	16	poor	poor	ADJ
easat-11297	166	17	classes	class	NOUN
easat-11297	166	18	,	,	PUNCT
easat-11297	166	19	but	but	CCONJ
easat-11297	166	20	overall	overall	ADV
easat-11297	166	21	,	,	PUNCT
easat-11297	166	22	the	the	DET
easat-11297	166	23	model	model	NOUN
easat-11297	166	24	provided	provide	VERB
easat-11297	166	25	stable	stable	ADJ
easat-11297	166	26	performance	performance	NOUN
easat-11297	166	27	across	across	ADP
easat-11297	166	28	all	all	DET
easat-11297	166	29	credit	credit	NOUN
easat-11297	166	30	score	score	NOUN
easat-11297	166	31	categories	category	NOUN
easat-11297	166	32	.	.	PUNCT
easat-11297	167	1	boosting	boost	VERB
easat-11297	167	2	model	model	NOUN
easat-11297	167	3	,	,	PUNCT
easat-11297	167	4	the	the	DET
easat-11297	167	5	adaboost	adaboost	ADJ
easat-11297	167	6	model	model	NOUN
easat-11297	167	7	,	,	PUNCT
easat-11297	167	8	which	which	PRON
easat-11297	167	9	used	use	VERB
easat-11297	167	10	decision	decision	NOUN
easat-11297	167	11	trees	tree	NOUN
easat-11297	167	12	as	as	ADP
easat-11297	167	13	weak	weak	ADJ
easat-11297	167	14	learners	learner	NOUN
easat-11297	167	15	,	,	PUNCT
easat-11297	167	16	achieved	achieve	VERB
easat-11297	167	17	an	an	DET
easat-11297	167	18	overall	overall	ADJ
easat-11297	167	19	accuracy	accuracy	NOUN
easat-11297	167	20	of	of	ADP
easat-11297	167	21	74	74	NUM
easat-11297	167	22	%	%	NOUN
easat-11297	167	23	,	,	PUNCT
easat-11297	167	24	making	make	VERB
easat-11297	167	25	it	it	PRON
easat-11297	167	26	the	the	DET
easat-11297	167	27	least	least	ADV
easat-11297	167	28	accurate	accurate	ADJ
easat-11297	167	29	model	model	NOUN
easat-11297	167	30	compared	compare	VERB
easat-11297	167	31	to	to	ADP
easat-11297	167	32	stacking	stack	VERB
easat-11297	167	33	and	and	CCONJ
easat-11297	167	34	bagging	bagging	NOUN
easat-11297	167	35	.	.	PUNCT
easat-11297	168	1	however	however	ADV
easat-11297	168	2	,	,	PUNCT
easat-11297	168	3	boosting	boost	VERB
easat-11297	168	4	was	be	AUX
easat-11297	168	5	effective	effective	ADJ
easat-11297	168	6	in	in	ADP
easat-11297	168	7	handling	handle	VERB
easat-11297	168	8	class	class	NOUN
easat-11297	168	9	imbalance	imbalance	NOUN
easat-11297	168	10	and	and	CCONJ
easat-11297	168	11	performed	perform	VERB
easat-11297	168	12	well	well	ADV
easat-11297	168	13	in	in	ADP
easat-11297	168	14	identifying	identify	VERB
easat-11297	168	15	standard	standard	ADJ
easat-11297	168	16	credit	credit	NOUN
easat-11297	168	17	scores	score	NOUN
easat-11297	168	18	.	.	PUNCT
easat-11297	169	1	table	table	NOUN
easat-11297	169	2	3	3	NUM
easat-11297	169	3	.	.	PUNCT
easat-11297	169	4	evaluation	evaluation	NOUN
easat-11297	169	5	of	of	ADP
easat-11297	169	6	the	the	DET
easat-11297	169	7	boosting	boost	VERB
easat-11297	169	8	model	model	NOUN
easat-11297	169	9	for	for	ADP
easat-11297	169	10	dataset-1	dataset-1	PROPN
easat-11297	169	11	.	.	PROPN
easat-11297	169	12	precision	precision	NOUN
easat-11297	169	13	recall	recall	VERB
easat-11297	169	14	f1	f1	NOUN
easat-11297	169	15	-	-	PUNCT
easat-11297	169	16	score	score	NOUN
easat-11297	169	17	support	support	NOUN
easat-11297	169	18	good	good	ADJ
easat-11297	169	19	0.70	0.70	NUM
easat-11297	169	20	%	%	NOUN
easat-11297	169	21	0.70	0.70	NUM
easat-11297	169	22	%	%	NOUN
easat-11297	169	23	0.70	0.70	NUM
easat-11297	169	24	%	%	NOUN
easat-11297	169	25	3527	3527	NUM
easat-11297	169	26	%	%	NOUN
easat-11297	169	27	poor	poor	ADJ
easat-11297	169	28	0.74	0.74	NUM
easat-11297	169	29	%	%	NOUN
easat-11297	169	30	0.73	0.73	NUM
easat-11297	169	31	%	%	NOUN
easat-11297	169	32	0.73	0.73	NUM
easat-11297	169	33	%	%	NOUN
easat-11297	169	34	5874	5874	NUM
easat-11297	169	35	%	%	NOUN
easat-11297	169	36	standard	standard	NOUN
easat-11297	169	37	0.76	0.76	NUM
easat-11297	169	38	%	%	NOUN
easat-11297	169	39	0.77	0.77	NUM
easat-11297	169	40	%	%	NOUN
easat-11297	169	41	0.77	0.77	NUM
easat-11297	169	42	%	%	NOUN
easat-11297	169	43	10599	10599	NUM
easat-11297	169	44	%	%	NOUN
easat-11297	169	45	accuracy	accuracy	NOUN
easat-11297	169	46	0.74	0.74	NUM
easat-11297	169	47	%	%	NOUN
easat-11297	169	48	20000	20000	NUM
easat-11297	169	49	%	%	NOUN
easat-11297	169	50	macro	macro	ADJ
easat-11297	169	51	avg	avg	NOUN
easat-11297	169	52	0.73	0.73	NUM
easat-11297	169	53	%	%	NOUN
easat-11297	169	54	0.73	0.73	NUM
easat-11297	169	55	%	%	NOUN
easat-11297	169	56	0.73	0.73	NUM
easat-11297	169	57	%	%	NOUN
easat-11297	169	58	20000	20000	NUM
easat-11297	169	59	%	%	NOUN
easat-11297	169	60	weighted	weight	VERB
easat-11297	169	61	avg	avg	PROPN
easat-11297	169	62	0.74	0.74	NUM
easat-11297	169	63	%	%	NOUN
easat-11297	169	64	0.74	0.74	NUM
easat-11297	169	65	%	%	NOUN
easat-11297	169	66	0.74	0.74	NUM
easat-11297	169	67	%	%	NOUN
easat-11297	169	68	20000	20000	NUM
easat-11297	169	69	%	%	NOUN
easat-11297	169	70	the	the	DET
easat-11297	169	71	evaluation	evaluation	NOUN
easat-11297	169	72	metrics	metric	NOUN
easat-11297	169	73	for	for	ADP
easat-11297	169	74	the	the	DET
easat-11297	169	75	credit	credit	NOUN
easat-11297	169	76	score	score	NOUN
easat-11297	169	77	categories	category	NOUN
easat-11297	169	78	,	,	PUNCT
easat-11297	169	79	as	as	SCONJ
easat-11297	169	80	shown	show	VERB
easat-11297	169	81	in	in	ADP
easat-11297	169	82	figure	figure	NOUN
easat-11297	169	83	5	5	NUM
easat-11297	169	84	,	,	PUNCT
easat-11297	169	85	are	be	AUX
easat-11297	169	86	as	as	SCONJ
easat-11297	169	87	follows	follow	VERB
easat-11297	169	88	:	:	PUNCT
easat-11297	169	89	for	for	ADP
easat-11297	169	90	good	good	ADJ
easat-11297	169	91	credit	credit	NOUN
easat-11297	169	92	score	score	NOUN
easat-11297	169	93	,	,	PUNCT
easat-11297	169	94	precision	precision	NOUN
easat-11297	169	95	is	be	AUX
easat-11297	169	96	0.70	0.70	NUM
easat-11297	169	97	,	,	PUNCT
easat-11297	169	98	recall	recall	NOUN
easat-11297	169	99	is	be	AUX
easat-11297	169	100	0.70	0.70	NUM
easat-11297	169	101	,	,	PUNCT
easat-11297	169	102	and	and	CCONJ
easat-11297	169	103	f1	f1	NOUN
easat-11297	169	104	-	-	PUNCT
easat-11297	169	105	score	score	NOUN
easat-11297	169	106	is	be	AUX
easat-11297	169	107	0.70	0.70	NUM
easat-11297	169	108	.	.	PUNCT
easat-11297	170	1	for	for	ADP
easat-11297	170	2	poor	poor	ADJ
easat-11297	170	3	credit	credit	NOUN
easat-11297	170	4	score	score	NOUN
easat-11297	170	5	,	,	PUNCT
easat-11297	170	6	precision	precision	NOUN
easat-11297	170	7	is	be	AUX
easat-11297	170	8	0.74	0.74	NUM
easat-11297	170	9	,	,	PUNCT
easat-11297	170	10	recall	recall	NOUN
easat-11297	170	11	is	be	AUX
easat-11297	170	12	0.73	0.73	NUM
easat-11297	170	13	,	,	PUNCT
easat-11297	170	14	and	and	CCONJ
easat-11297	170	15	f1	f1	NOUN
easat-11297	170	16	-	-	PUNCT
easat-11297	170	17	score	score	NOUN
easat-11297	170	18	is	be	AUX
easat-11297	170	19	0.73	0.73	NUM
easat-11297	170	20	.	.	PUNCT
easat-11297	171	1	for	for	ADP
easat-11297	171	2	the	the	DET
easat-11297	171	3	standard	standard	ADJ
easat-11297	171	4	credit	credit	NOUN
easat-11297	171	5	score	score	NOUN
easat-11297	171	6	,	,	PUNCT
easat-11297	171	7	precision	precision	NOUN
easat-11297	171	8	is	be	AUX
easat-11297	171	9	0.76	0.76	NUM
easat-11297	171	10	,	,	PUNCT
easat-11297	171	11	recall	recall	NOUN
easat-11297	171	12	is	be	AUX
easat-11297	171	13	0.77	0.77	NUM
easat-11297	171	14	,	,	PUNCT
easat-11297	171	15	and	and	CCONJ
easat-11297	171	16	f1	f1	NOUN
easat-11297	171	17	-	-	PUNCT
easat-11297	171	18	score	score	NOUN
easat-11297	171	19	is	be	AUX
easat-11297	171	20	0.77	0.77	NUM
easat-11297	171	21	.	.	PUNCT
easat-11297	172	1	132	132	NUM
easat-11297	172	2	edelweiss	edelweiss	PROPN
easat-11297	172	3	applied	apply	VERB
easat-11297	172	4	science	science	NOUN
easat-11297	172	5	and	and	CCONJ
easat-11297	172	6	technology	technology	NOUN
easat-11297	172	7	issn	issn	PROPN
easat-11297	172	8	:	:	PUNCT
easat-11297	172	9	2576	2576	NUM
easat-11297	172	10	-	-	SYM
easat-11297	172	11	8484	8484	NUM
easat-11297	172	12	vol	vol	NOUN
easat-11297	172	13	.	.	PROPN
easat-11297	173	1	9	9	NUM
easat-11297	173	2	,	,	PUNCT
easat-11297	173	3	no	no	INTJ
easat-11297	173	4	.	.	NOUN
easat-11297	173	5	12	12	NUM
easat-11297	173	6	:	:	PUNCT
easat-11297	173	7	124	124	NUM
easat-11297	173	8	-	-	SYM
easat-11297	173	9	147	147	NUM
easat-11297	173	10	,	,	PUNCT
easat-11297	173	11	2025	2025	NUM
easat-11297	173	12	doi	doi	NOUN
easat-11297	173	13	:	:	PUNCT
easat-11297	173	14	10.55214/2576	10.55214/2576	NUM
easat-11297	173	15	-	-	SYM
easat-11297	173	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	174	1	©	©	PROPN
easat-11297	174	2	2025	2025	NUM
easat-11297	174	3	by	by	ADP
easat-11297	174	4	the	the	DET
easat-11297	174	5	authors	author	NOUN
easat-11297	174	6	;	;	PUNCT
easat-11297	174	7	licensee	licensee	PROPN
easat-11297	174	8	learning	learn	VERB
easat-11297	174	9	gate	gate	PROPN
easat-11297	174	10	figure	figure	NOUN
easat-11297	174	11	5	5	NUM
easat-11297	174	12	.	.	PUNCT
easat-11297	174	13	confusion	confusion	NOUN
easat-11297	174	14	matrix	matrix	NOUN
easat-11297	174	15	for	for	ADP
easat-11297	174	16	boosting	boost	VERB
easat-11297	174	17	model	model	NOUN
easat-11297	174	18	(	(	PUNCT
easat-11297	174	19	dataset-1	dataset-1	PROPN
easat-11297	174	20	)	)	PUNCT
easat-11297	174	21	.	.	PUNCT
easat-11297	175	1	the	the	DET
easat-11297	175	2	confusion	confusion	NOUN
easat-11297	175	3	matrix	matrix	NOUN
easat-11297	175	4	for	for	ADP
easat-11297	175	5	boosting	boost	VERB
easat-11297	175	6	highlights	highlight	NOUN
easat-11297	175	7	misclassifications	misclassification	NOUN
easat-11297	175	8	between	between	ADP
easat-11297	175	9	the	the	DET
easat-11297	175	10	standard	standard	ADJ
easat-11297	175	11	and	and	CCONJ
easat-11297	175	12	good	good	ADJ
easat-11297	175	13	classes	class	NOUN
easat-11297	175	14	,	,	PUNCT
easat-11297	175	15	with	with	ADP
easat-11297	175	16	the	the	DET
easat-11297	175	17	highest	high	ADJ
easat-11297	175	18	errors	error	NOUN
easat-11297	175	19	occurring	occur	VERB
easat-11297	175	20	in	in	ADP
easat-11297	175	21	the	the	DET
easat-11297	175	22	good	good	ADJ
easat-11297	175	23	category	category	NOUN
easat-11297	175	24	.	.	PUNCT
easat-11297	176	1	despite	despite	SCONJ
easat-11297	176	2	these	these	DET
easat-11297	176	3	challenges	challenge	NOUN
easat-11297	176	4	,	,	PUNCT
easat-11297	176	5	the	the	DET
easat-11297	176	6	boosting	boost	VERB
easat-11297	176	7	model	model	NOUN
easat-11297	176	8	showed	show	VERB
easat-11297	176	9	reasonable	reasonable	ADJ
easat-11297	176	10	performance	performance	NOUN
easat-11297	176	11	in	in	ADP
easat-11297	176	12	terms	term	NOUN
easat-11297	176	13	of	of	ADP
easat-11297	176	14	recall	recall	NOUN
easat-11297	176	15	and	and	CCONJ
easat-11297	176	16	precision	precision	NOUN
easat-11297	176	17	for	for	ADP
easat-11297	176	18	all	all	DET
easat-11297	176	19	classes	class	NOUN
easat-11297	176	20	.	.	PUNCT
easat-11297	177	1	stacking	stack	VERB
easat-11297	177	2	emerged	emerge	VERB
easat-11297	177	3	as	as	ADP
easat-11297	177	4	the	the	DET
easat-11297	177	5	best	well	ADV
easat-11297	177	6	-	-	PUNCT
easat-11297	177	7	performing	perform	VERB
easat-11297	177	8	model	model	NOUN
easat-11297	177	9	for	for	ADP
easat-11297	177	10	this	this	DET
easat-11297	177	11	dataset	dataset	NOUN
easat-11297	177	12	,	,	PUNCT
easat-11297	177	13	achieving	achieve	VERB
easat-11297	177	14	the	the	DET
easat-11297	177	15	highest	high	ADJ
easat-11297	177	16	accuracy	accuracy	NOUN
easat-11297	177	17	and	and	CCONJ
easat-11297	177	18	f1	f1	NOUN
easat-11297	177	19	-	-	PUNCT
easat-11297	177	20	scores	score	NOUN
easat-11297	177	21	across	across	ADP
easat-11297	177	22	all	all	DET
easat-11297	177	23	credit	credit	NOUN
easat-11297	177	24	score	score	NOUN
easat-11297	177	25	categories	category	NOUN
easat-11297	177	26	,	,	PUNCT
easat-11297	177	27	while	while	SCONJ
easat-11297	177	28	bagging	bagging	NOUN
easat-11297	177	29	and	and	CCONJ
easat-11297	177	30	boosting	boost	VERB
easat-11297	177	31	showed	show	VERB
easat-11297	177	32	stable	stable	ADJ
easat-11297	177	33	but	but	CCONJ
easat-11297	177	34	comparatively	comparatively	ADV
easat-11297	177	35	lower	low	ADJ
easat-11297	177	36	performance	performance	NOUN
easat-11297	177	37	.	.	PUNCT
easat-11297	178	1	4.3	4.3	NUM
easat-11297	178	2	.	.	PUNCT
easat-11297	179	1	eda	eda	PROPN
easat-11297	179	2	for	for	ADP
easat-11297	179	3	dataset	dataset	NOUN
easat-11297	179	4	2	2	NUM
easat-11297	179	5	dataset	dataset	NOUN
easat-11297	179	6	2	2	NUM
easat-11297	179	7	contains	contain	VERB
easat-11297	179	8	1,000	1,000	NUM
easat-11297	179	9	observations	observation	NOUN
easat-11297	179	10	and	and	CCONJ
easat-11297	179	11	28	28	NUM
easat-11297	179	12	features	feature	NOUN
easat-11297	179	13	,	,	PUNCT
easat-11297	179	14	including	include	VERB
easat-11297	179	15	financial	financial	ADJ
easat-11297	179	16	variables	variable	NOUN
easat-11297	179	17	such	such	ADJ
easat-11297	179	18	as	as	ADP
easat-11297	179	19	income	income	NOUN
easat-11297	179	20	,	,	PUNCT
easat-11297	179	21	savings	saving	NOUN
easat-11297	179	22	,	,	PUNCT
easat-11297	179	23	debt	debt	NOUN
easat-11297	179	24	,	,	PUNCT
easat-11297	179	25	and	and	CCONJ
easat-11297	179	26	credit	credit	NOUN
easat-11297	179	27	score	score	NOUN
easat-11297	179	28	.	.	PUNCT
easat-11297	180	1	key	key	ADJ
easat-11297	180	2	ratios	ratio	NOUN
easat-11297	180	3	like	like	ADP
easat-11297	180	4	savings	saving	NOUN
easat-11297	180	5	to	to	PART
easat-11297	180	6	income	income	NOUN
easat-11297	180	7	and	and	CCONJ
easat-11297	180	8	debt	debt	NOUN
easat-11297	180	9	to	to	ADP
easat-11297	180	10	income	income	NOUN
easat-11297	180	11	are	be	AUX
easat-11297	180	12	also	also	ADV
easat-11297	180	13	present	present	ADJ
easat-11297	180	14	,	,	PUNCT
easat-11297	180	15	offering	offer	VERB
easat-11297	180	16	deeper	deep	ADJ
easat-11297	180	17	insights	insight	NOUN
easat-11297	180	18	into	into	ADP
easat-11297	180	19	the	the	DET
easat-11297	180	20	financial	financial	ADJ
easat-11297	180	21	behaviors	behavior	NOUN
easat-11297	180	22	of	of	ADP
easat-11297	180	23	individuals	individual	NOUN
easat-11297	180	24	.	.	PUNCT
easat-11297	181	1	4.3.1	4.3.1	X
easat-11297	181	2	.	.	PUNCT
easat-11297	182	1	key	key	ADJ
easat-11297	182	2	statistics	statistic	NOUN
easat-11297	182	3	income	income	NOUN
easat-11297	182	4	ranges	range	VERB
easat-11297	182	5	from	from	ADP
easat-11297	182	6	€	€	SYM
easat-11297	182	7	0	0	NUM
easat-11297	182	8	to	to	ADP
easat-11297	182	9	€	€	SYM
easat-11297	182	10	662,094	662,094	NUM
easat-11297	182	11	,	,	PUNCT
easat-11297	182	12	with	with	ADP
easat-11297	182	13	a	a	DET
easat-11297	182	14	median	median	NOUN
easat-11297	182	15	of	of	ADP
easat-11297	182	16	€	€	SYM
easat-11297	182	17	85,090	85,090	NUM
easat-11297	182	18	.	.	PUNCT
easat-11297	183	1	the	the	DET
easat-11297	183	2	median	median	ADJ
easat-11297	183	3	savings	saving	NOUN
easat-11297	183	4	amount	amount	NOUN
easat-11297	183	5	is	be	AUX
easat-11297	183	6	approximately	approximately	ADV
easat-11297	183	7	€	€	SYM
easat-11297	183	8	273,850	273,850	NUM
easat-11297	183	9	,	,	PUNCT
easat-11297	183	10	and	and	CCONJ
easat-11297	183	11	the	the	DET
easat-11297	183	12	upper	upper	ADJ
easat-11297	183	13	quartile	quartile	NOUN
easat-11297	183	14	exceeds	exceed	VERB
easat-11297	183	15	€	€	SYM
easat-11297	183	16	622,260	622,260	NUM
easat-11297	183	17	.	.	PUNCT
easat-11297	184	1	debt	debt	NOUN
easat-11297	184	2	varies	vary	VERB
easat-11297	184	3	widely	widely	ADV
easat-11297	184	4	,	,	PUNCT
easat-11297	184	5	with	with	ADP
easat-11297	184	6	a	a	DET
easat-11297	184	7	median	median	NOUN
easat-11297	184	8	of	of	ADP
easat-11297	184	9	€	€	SYM
easat-11297	184	10	395,095	395,095	NUM
easat-11297	184	11	and	and	CCONJ
easat-11297	184	12	a	a	DET
easat-11297	184	13	maximum	maximum	NOUN
easat-11297	184	14	of	of	ADP
easat-11297	184	15	€	€	SYM
easat-11297	184	16	5.9	5.9	NUM
easat-11297	184	17	million	million	NUM
easat-11297	184	18	.	.	PUNCT
easat-11297	185	1	the	the	DET
easat-11297	185	2	average	average	ADJ
easat-11297	185	3	credit	credit	NOUN
easat-11297	185	4	score	score	NOUN
easat-11297	185	5	is	be	AUX
easat-11297	185	6	586	586	NUM
easat-11297	185	7	,	,	PUNCT
easat-11297	185	8	spanning	span	VERB
easat-11297	185	9	from	from	ADP
easat-11297	185	10	300	300	NUM
easat-11297	185	11	to	to	ADP
easat-11297	185	12	800	800	NUM
easat-11297	185	13	,	,	PUNCT
easat-11297	185	14	with	with	ADP
easat-11297	185	15	most	most	ADJ
easat-11297	185	16	individuals	individual	NOUN
easat-11297	185	17	falling	fall	VERB
easat-11297	185	18	between	between	ADP
easat-11297	185	19	500	500	NUM
easat-11297	185	20	and	and	CCONJ
easat-11297	185	21	700	700	NUM
easat-11297	185	22	,	,	PUNCT
easat-11297	185	23	as	as	SCONJ
easat-11297	185	24	shown	show	VERB
easat-11297	185	25	in	in	ADP
easat-11297	185	26	histogram	histogram	NOUN
easat-11297	185	27	6	6	NUM
easat-11297	185	28	.	.	X
easat-11297	185	29	133	133	NUM
easat-11297	185	30	edelweiss	edelweiss	PROPN
easat-11297	185	31	applied	apply	VERB
easat-11297	185	32	science	science	NOUN
easat-11297	185	33	and	and	CCONJ
easat-11297	185	34	technology	technology	NOUN
easat-11297	185	35	issn	issn	PROPN
easat-11297	185	36	:	:	PUNCT
easat-11297	185	37	2576	2576	NUM
easat-11297	185	38	-	-	SYM
easat-11297	185	39	8484	8484	NUM
easat-11297	185	40	vol	vol	NOUN
easat-11297	185	41	.	.	PROPN
easat-11297	186	1	9	9	NUM
easat-11297	186	2	,	,	PUNCT
easat-11297	186	3	no	no	INTJ
easat-11297	186	4	.	.	NOUN
easat-11297	186	5	12	12	NUM
easat-11297	186	6	:	:	PUNCT
easat-11297	186	7	124	124	NUM
easat-11297	186	8	-	-	SYM
easat-11297	186	9	147	147	NUM
easat-11297	186	10	,	,	PUNCT
easat-11297	186	11	2025	2025	NUM
easat-11297	186	12	doi	doi	NOUN
easat-11297	186	13	:	:	PUNCT
easat-11297	186	14	10.55214/2576	10.55214/2576	NUM
easat-11297	186	15	-	-	SYM
easat-11297	186	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	187	1	©	©	PROPN
easat-11297	187	2	2025	2025	NUM
easat-11297	187	3	by	by	ADP
easat-11297	187	4	the	the	DET
easat-11297	187	5	authors	author	NOUN
easat-11297	187	6	;	;	PUNCT
easat-11297	187	7	licensee	licensee	PROPN
easat-11297	187	8	learning	learn	VERB
easat-11297	187	9	gate	gate	PROPN
easat-11297	187	10	figure	figure	NOUN
easat-11297	187	11	6	6	NUM
easat-11297	187	12	.	.	PUNCT
easat-11297	187	13	descriptive	descriptive	ADJ
easat-11297	187	14	statistics	statistic	NOUN
easat-11297	187	15	for	for	ADP
easat-11297	187	16	dataset	dataset	NOUN
easat-11297	187	17	2	2	NUM
easat-11297	187	18	.	.	NUM
easat-11297	187	19	134	134	NUM
easat-11297	187	20	edelweiss	edelweiss	PROPN
easat-11297	187	21	applied	apply	VERB
easat-11297	187	22	science	science	NOUN
easat-11297	187	23	and	and	CCONJ
easat-11297	187	24	technology	technology	NOUN
easat-11297	187	25	issn	issn	PROPN
easat-11297	187	26	:	:	PUNCT
easat-11297	187	27	2576	2576	NUM
easat-11297	187	28	-	-	SYM
easat-11297	187	29	8484	8484	NUM
easat-11297	187	30	vol	vol	NOUN
easat-11297	187	31	.	.	PROPN
easat-11297	188	1	9	9	NUM
easat-11297	188	2	,	,	PUNCT
easat-11297	188	3	no	no	INTJ
easat-11297	188	4	.	.	NOUN
easat-11297	188	5	12	12	NUM
easat-11297	188	6	:	:	PUNCT
easat-11297	188	7	124	124	NUM
easat-11297	188	8	-	-	SYM
easat-11297	188	9	147	147	NUM
easat-11297	188	10	,	,	PUNCT
easat-11297	188	11	2025	2025	NUM
easat-11297	188	12	doi	doi	NOUN
easat-11297	188	13	:	:	PUNCT
easat-11297	188	14	10.55214/2576	10.55214/2576	NUM
easat-11297	188	15	-	-	SYM
easat-11297	188	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	189	1	©	©	PROPN
easat-11297	189	2	2025	2025	NUM
easat-11297	189	3	by	by	ADP
easat-11297	189	4	the	the	DET
easat-11297	189	5	authors	author	NOUN
easat-11297	189	6	;	;	PUNCT
easat-11297	189	7	licensee	licensee	NOUN
easat-11297	189	8	learning	learn	VERB
easat-11297	189	9	gate	gate	NOUN
easat-11297	189	10	4.3.2	4.3.2	NOUN
easat-11297	189	11	.	.	PUNCT
easat-11297	189	12	distribution	distribution	NOUN
easat-11297	189	13	of	of	ADP
easat-11297	189	14	default	default	NOUN
easat-11297	189	15	and	and	CCONJ
easat-11297	189	16	credit	credit	NOUN
easat-11297	189	17	scores	score	NOUN
easat-11297	189	18	the	the	DET
easat-11297	189	19	distribution	distribution	NOUN
easat-11297	189	20	of	of	ADP
easat-11297	189	21	default	default	NOUN
easat-11297	189	22	instances	instance	NOUN
easat-11297	189	23	in	in	ADP
easat-11297	189	24	the	the	DET
easat-11297	189	25	dataset	dataset	NOUN
easat-11297	189	26	reveals	reveal	VERB
easat-11297	189	27	an	an	DET
easat-11297	189	28	imbalance	imbalance	NOUN
easat-11297	189	29	,	,	PUNCT
easat-11297	189	30	with	with	ADP
easat-11297	189	31	28.4	28.4	NUM
easat-11297	189	32	%	%	NOUN
easat-11297	189	33	(	(	PUNCT
easat-11297	189	34	284	284	NUM
easat-11297	189	35	individuals	individual	NOUN
easat-11297	189	36	)	)	PUNCT
easat-11297	189	37	having	having	AUX
easat-11297	189	38	defaulted	default	VERB
easat-11297	189	39	on	on	ADP
easat-11297	189	40	their	their	PRON
easat-11297	189	41	loans	loan	NOUN
easat-11297	189	42	,	,	PUNCT
easat-11297	189	43	and	and	CCONJ
easat-11297	189	44	71.6	71.6	NUM
easat-11297	189	45	%	%	NOUN
easat-11297	189	46	(	(	PUNCT
easat-11297	189	47	716	716	NUM
easat-11297	189	48	individuals	individual	NOUN
easat-11297	189	49	)	)	PUNCT
easat-11297	189	50	being	be	AUX
easat-11297	189	51	non	non	NOUN
easat-11297	189	52	-	-	NOUN
easat-11297	189	53	defaulters	defaulter	NOUN
easat-11297	189	54	,	,	PUNCT
easat-11297	189	55	see	see	VERB
easat-11297	189	56	figure	figure	NOUN
easat-11297	189	57	7	7	NUM
easat-11297	189	58	.	.	PUNCT
easat-11297	190	1	this	this	DET
easat-11297	190	2	skewed	skewed	ADJ
easat-11297	190	3	dataset	dataset	NOUN
easat-11297	190	4	could	could	AUX
easat-11297	190	5	impact	impact	VERB
easat-11297	190	6	model	model	NOUN
easat-11297	190	7	performance	performance	NOUN
easat-11297	190	8	,	,	PUNCT
easat-11297	190	9	particularly	particularly	ADV
easat-11297	190	10	in	in	ADP
easat-11297	190	11	identifying	identify	VERB
easat-11297	190	12	defaulters	defaulter	NOUN
easat-11297	190	13	,	,	PUNCT
easat-11297	190	14	highlighting	highlight	VERB
easat-11297	190	15	the	the	DET
easat-11297	190	16	need	need	NOUN
easat-11297	190	17	for	for	ADP
easat-11297	190	18	techniques	technique	NOUN
easat-11297	190	19	like	like	ADP
easat-11297	190	20	oversampling	oversample	VERB
easat-11297	190	21	or	or	CCONJ
easat-11297	190	22	boosting	boost	VERB
easat-11297	190	23	.	.	PUNCT
easat-11297	191	1	figure	figure	NOUN
easat-11297	191	2	7	7	NUM
easat-11297	191	3	.	.	PUNCT
easat-11297	192	1	distribution	distribution	NOUN
easat-11297	192	2	of	of	ADP
easat-11297	192	3	the	the	DET
easat-11297	192	4	default	default	NOUN
easat-11297	192	5	variable	variable	NOUN
easat-11297	192	6	.	.	PUNCT
easat-11297	193	1	the	the	DET
easat-11297	193	2	histogram	histogram	NOUN
easat-11297	193	3	with	with	ADP
easat-11297	193	4	the	the	DET
easat-11297	193	5	kernel	kernel	PROPN
easat-11297	193	6	density	density	PROPN
easat-11297	193	7	plot	plot	NOUN
easat-11297	193	8	on	on	ADP
easat-11297	193	9	the	the	DET
easat-11297	193	10	right	right	NOUN
easat-11297	193	11	represents	represent	VERB
easat-11297	193	12	the	the	DET
easat-11297	193	13	density	density	NOUN
easat-11297	193	14	of	of	ADP
easat-11297	193	15	credit	credit	NOUN
easat-11297	193	16	scores	score	NOUN
easat-11297	193	17	in	in	ADP
easat-11297	193	18	the	the	DET
easat-11297	193	19	data	datum	NOUN
easat-11297	193	20	set	set	VERB
easat-11297	193	21	.	.	PUNCT
easat-11297	194	1	the	the	DET
easat-11297	194	2	credit	credit	NOUN
easat-11297	194	3	score	score	NOUN
easat-11297	194	4	is	be	AUX
easat-11297	194	5	given	give	VERB
easat-11297	194	6	between	between	ADP
easat-11297	194	7	300	300	NUM
easat-11297	194	8	and	and	CCONJ
easat-11297	194	9	800	800	NUM
easat-11297	194	10	,	,	PUNCT
easat-11297	194	11	with	with	ADP
easat-11297	194	12	most	most	ADJ
easat-11297	194	13	of	of	ADP
easat-11297	194	14	the	the	DET
easat-11297	194	15	scores	score	NOUN
easat-11297	194	16	falling	fall	VERB
easat-11297	194	17	between	between	ADP
easat-11297	194	18	500	500	NUM
easat-11297	194	19	and	and	CCONJ
easat-11297	194	20	700	700	NUM
easat-11297	194	21	.	.	PUNCT
easat-11297	195	1	the	the	DET
easat-11297	195	2	maximum	maximum	NOUN
easat-11297	195	3	is	be	AUX
easat-11297	195	4	achieved	achieve	VERB
easat-11297	195	5	at	at	ADP
easat-11297	195	6	600	600	NUM
easat-11297	195	7	,	,	PUNCT
easat-11297	195	8	meaning	mean	VERB
easat-11297	195	9	that	that	SCONJ
easat-11297	195	10	the	the	DET
easat-11297	195	11	majority	majority	NOUN
easat-11297	195	12	of	of	ADP
easat-11297	195	13	people	people	NOUN
easat-11297	195	14	have	have	VERB
easat-11297	195	15	average	average	ADJ
easat-11297	195	16	credit	credit	NOUN
easat-11297	195	17	ratings	rating	NOUN
easat-11297	195	18	.	.	PUNCT
easat-11297	196	1	the	the	DET
easat-11297	196	2	distribution	distribution	NOUN
easat-11297	196	3	is	be	AUX
easat-11297	196	4	slightly	slightly	ADV
easat-11297	196	5	negatively	negatively	ADV
easat-11297	196	6	skewed	skewed	ADJ
easat-11297	196	7	;	;	PUNCT
easat-11297	196	8	that	that	ADV
easat-11297	196	9	is	is	ADV
easat-11297	196	10	,	,	PUNCT
easat-11297	196	11	a	a	DET
easat-11297	196	12	few	few	ADJ
easat-11297	196	13	people	people	NOUN
easat-11297	196	14	have	have	VERB
easat-11297	196	15	extremely	extremely	ADV
easat-11297	196	16	low	low	ADJ
easat-11297	196	17	or	or	CCONJ
easat-11297	196	18	extremely	extremely	ADV
easat-11297	196	19	high	high	ADJ
easat-11297	196	20	scores	score	NOUN
easat-11297	196	21	.	.	PUNCT
easat-11297	197	1	of	of	ADP
easat-11297	197	2	course	course	ADV
easat-11297	197	3	,	,	PUNCT
easat-11297	197	4	credit	credit	NOUN
easat-11297	197	5	risk	risk	NOUN
easat-11297	197	6	models	model	NOUN
easat-11297	197	7	based	base	VERB
easat-11297	197	8	on	on	ADP
easat-11297	197	9	credit	credit	NOUN
easat-11297	197	10	scores	score	NOUN
easat-11297	197	11	will	will	AUX
easat-11297	197	12	require	require	VERB
easat-11297	197	13	models	model	NOUN
easat-11297	197	14	that	that	PRON
easat-11297	197	15	can	can	AUX
easat-11297	197	16	identify	identify	VERB
easat-11297	197	17	higher	high	ADJ
easat-11297	197	18	default	default	NOUN
easat-11297	197	19	rates	rate	NOUN
easat-11297	197	20	for	for	ADP
easat-11297	197	21	lower	low	ADJ
easat-11297	197	22	credit	credit	NOUN
easat-11297	197	23	scores	score	NOUN
easat-11297	197	24	8	8	NUM
easat-11297	197	25	.	.	SYM
easat-11297	197	26	135	135	NUM
easat-11297	197	27	edelweiss	edelweiss	PROPN
easat-11297	197	28	applied	apply	VERB
easat-11297	197	29	science	science	NOUN
easat-11297	197	30	and	and	CCONJ
easat-11297	197	31	technology	technology	NOUN
easat-11297	197	32	issn	issn	PROPN
easat-11297	197	33	:	:	PUNCT
easat-11297	197	34	2576	2576	NUM
easat-11297	197	35	-	-	SYM
easat-11297	197	36	8484	8484	NUM
easat-11297	197	37	vol	vol	NOUN
easat-11297	197	38	.	.	PROPN
easat-11297	198	1	9	9	NUM
easat-11297	198	2	,	,	PUNCT
easat-11297	198	3	no	no	INTJ
easat-11297	198	4	.	.	NOUN
easat-11297	198	5	12	12	NUM
easat-11297	198	6	:	:	PUNCT
easat-11297	198	7	124	124	NUM
easat-11297	198	8	-	-	SYM
easat-11297	198	9	147	147	NUM
easat-11297	198	10	,	,	PUNCT
easat-11297	198	11	2025	2025	NUM
easat-11297	198	12	doi	doi	NOUN
easat-11297	198	13	:	:	PUNCT
easat-11297	198	14	10.55214/2576	10.55214/2576	NUM
easat-11297	198	15	-	-	SYM
easat-11297	198	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	199	1	©	©	PROPN
easat-11297	199	2	2025	2025	NUM
easat-11297	199	3	by	by	ADP
easat-11297	199	4	the	the	DET
easat-11297	199	5	authors	author	NOUN
easat-11297	199	6	;	;	PUNCT
easat-11297	199	7	licensee	licensee	PROPN
easat-11297	199	8	learning	learn	VERB
easat-11297	199	9	gate	gate	PROPN
easat-11297	199	10	figure	figure	NOUN
easat-11297	199	11	8	8	NUM
easat-11297	199	12	.	.	PUNCT
easat-11297	199	13	credit	credit	NOUN
easat-11297	199	14	score	score	NOUN
easat-11297	199	15	distribution	distribution	NOUN
easat-11297	199	16	.	.	PUNCT
easat-11297	200	1	4.4	4.4	NUM
easat-11297	200	2	.	.	PUNCT
easat-11297	200	3	model	model	NOUN
easat-11297	200	4	performance	performance	NOUN
easat-11297	200	5	on	on	ADP
easat-11297	200	6	dataset	dataset	NOUN
easat-11297	200	7	2	2	NUM
easat-11297	200	8	the	the	DET
easat-11297	200	9	performance	performance	NOUN
easat-11297	200	10	of	of	ADP
easat-11297	200	11	ensemble	ensemble	ADJ
easat-11297	200	12	learning	learning	NOUN
easat-11297	200	13	models	model	NOUN
easat-11297	200	14	,	,	PUNCT
easat-11297	200	15	stacking	stacking	NOUN
easat-11297	200	16	,	,	PUNCT
easat-11297	200	17	bagging	bagging	NOUN
easat-11297	200	18	,	,	PUNCT
easat-11297	200	19	and	and	CCONJ
easat-11297	200	20	boosting	boost	VERB
easat-11297	200	21	on	on	ADP
easat-11297	200	22	dataset	dataset	NOUN
easat-11297	200	23	2	2	NUM
easat-11297	200	24	,	,	PUNCT
easat-11297	200	25	is	be	AUX
easat-11297	200	26	evaluated	evaluate	VERB
easat-11297	200	27	based	base	VERB
easat-11297	200	28	on	on	ADP
easat-11297	200	29	the	the	DET
easat-11297	200	30	task	task	NOUN
easat-11297	200	31	of	of	ADP
easat-11297	200	32	predicting	predict	VERB
easat-11297	200	33	whether	whether	SCONJ
easat-11297	200	34	an	an	DET
easat-11297	200	35	individual	individual	ADJ
easat-11297	200	36	defaults	default	NOUN
easat-11297	200	37	on	on	ADP
easat-11297	200	38	their	their	PRON
easat-11297	200	39	loan	loan	NOUN
easat-11297	200	40	(	(	PUNCT
easat-11297	200	41	default	default	NOUN
easat-11297	200	42	=	=	SYM
easat-11297	200	43	1	1	NUM
easat-11297	200	44	)	)	PUNCT
easat-11297	200	45	or	or	CCONJ
easat-11297	200	46	does	do	AUX
easat-11297	200	47	not	not	PART
easat-11297	200	48	default	default	VERB
easat-11297	200	49	(	(	PUNCT
easat-11297	200	50	default	default	NOUN
easat-11297	200	51	=	=	SYM
easat-11297	200	52	0	0	NUM
easat-11297	200	53	)	)	PUNCT
easat-11297	200	54	.	.	PUNCT
easat-11297	201	1	the	the	DET
easat-11297	201	2	performance	performance	NOUN
easat-11297	201	3	metrics	metric	NOUN
easat-11297	201	4	,	,	PUNCT
easat-11297	201	5	including	include	VERB
easat-11297	201	6	precision	precision	NOUN
easat-11297	201	7	,	,	PUNCT
easat-11297	201	8	recall	recall	NOUN
easat-11297	201	9	,	,	PUNCT
easat-11297	201	10	f1	f1	NOUN
easat-11297	201	11	-	-	PUNCT
easat-11297	201	12	score	score	NOUN
easat-11297	201	13	,	,	PUNCT
easat-11297	201	14	and	and	CCONJ
easat-11297	201	15	accuracy	accuracy	NOUN
easat-11297	201	16	,	,	PUNCT
easat-11297	201	17	provide	provide	VERB
easat-11297	201	18	insights	insight	NOUN
easat-11297	201	19	into	into	ADP
easat-11297	201	20	each	each	DET
easat-11297	201	21	model	model	NOUN
easat-11297	201	22	's	's	PART
easat-11297	201	23	effectiveness	effectiveness	NOUN
easat-11297	201	24	in	in	ADP
easat-11297	201	25	handling	handle	VERB
easat-11297	201	26	this	this	DET
easat-11297	201	27	binary	binary	ADJ
easat-11297	201	28	classification	classification	NOUN
easat-11297	201	29	problem	problem	NOUN
easat-11297	201	30	.	.	PUNCT
easat-11297	202	1	the	the	DET
easat-11297	202	2	stacking	stacking	NOUN
easat-11297	202	3	model	model	NOUN
easat-11297	202	4	combines	combine	VERB
easat-11297	202	5	predictions	prediction	NOUN
easat-11297	202	6	from	from	ADP
easat-11297	202	7	a	a	DET
easat-11297	202	8	random	random	ADJ
easat-11297	202	9	forest	forest	NOUN
easat-11297	202	10	and	and	CCONJ
easat-11297	202	11	k	k	NOUN
easat-11297	202	12	-	-	PUNCT
easat-11297	202	13	nearest	near	ADJ
easat-11297	202	14	neighbors	neighbor	NOUN
easat-11297	202	15	(	(	PUNCT
easat-11297	202	16	knn	knn	PROPN
easat-11297	202	17	)	)	PUNCT
easat-11297	202	18	model	model	NOUN
easat-11297	202	19	,	,	PUNCT
easat-11297	202	20	with	with	ADP
easat-11297	202	21	logistic	logistic	ADJ
easat-11297	202	22	regression	regression	NOUN
easat-11297	202	23	serving	serve	VERB
easat-11297	202	24	as	as	ADP
easat-11297	202	25	the	the	DET
easat-11297	202	26	meta	meta	NOUN
easat-11297	202	27	-	-	PUNCT
easat-11297	202	28	model	model	NOUN
easat-11297	202	29	.	.	PUNCT
easat-11297	203	1	the	the	DET
easat-11297	203	2	model	model	NOUN
easat-11297	203	3	achieved	achieve	VERB
easat-11297	203	4	an	an	DET
easat-11297	203	5	accuracy	accuracy	NOUN
easat-11297	203	6	of	of	ADP
easat-11297	203	7	70	70	NUM
easat-11297	203	8	%	%	NOUN
easat-11297	203	9	,	,	PUNCT
easat-11297	203	10	indicating	indicate	VERB
easat-11297	203	11	a	a	DET
easat-11297	203	12	reasonable	reasonable	ADJ
easat-11297	203	13	performance	performance	NOUN
easat-11297	203	14	for	for	ADP
easat-11297	203	15	predicting	predict	VERB
easat-11297	203	16	defaults	default	NOUN
easat-11297	203	17	.	.	PUNCT
easat-11297	204	1	table	table	NOUN
easat-11297	204	2	4	4	NUM
easat-11297	204	3	.	.	PUNCT
easat-11297	204	4	evaluation	evaluation	NOUN
easat-11297	204	5	of	of	ADP
easat-11297	204	6	the	the	DET
easat-11297	204	7	stacking	stacking	NOUN
easat-11297	204	8	model	model	NOUN
easat-11297	204	9	(	(	PUNCT
easat-11297	204	10	dataset-2	dataset-2	PROPN
easat-11297	204	11	)	)	PUNCT
easat-11297	204	12	.	.	PUNCT
easat-11297	205	1	precision	precision	NOUN
easat-11297	205	2	recall	recall	VERB
easat-11297	205	3	f1	f1	NOUN
easat-11297	205	4	-	-	PUNCT
easat-11297	205	5	score	score	NOUN
easat-11297	205	6	support	support	NOUN
easat-11297	205	7	not	not	PART
easat-11297	205	8	default	default	VERB
easat-11297	205	9	(	(	PUNCT
easat-11297	205	10	0	0	NUM
easat-11297	205	11	)	)	PUNCT
easat-11297	205	12	0.75	0.75	NUM
easat-11297	205	13	%	%	NOUN
easat-11297	205	14	0.88	0.88	NUM
easat-11297	205	15	%	%	NOUN
easat-11297	205	16	0.81	0.81	NUM
easat-11297	205	17	%	%	NOUN
easat-11297	205	18	146	146	NUM
easat-11297	205	19	%	%	NOUN
easat-11297	205	20	defaulted	default	VERB
easat-11297	205	21	(	(	PUNCT
easat-11297	205	22	1	1	NUM
easat-11297	205	23	)	)	PUNCT
easat-11297	205	24	0.40	0.40	NUM
easat-11297	205	25	%	%	NOUN
easat-11297	205	26	0.22	0.22	NUM
easat-11297	205	27	%	%	NOUN
easat-11297	205	28	0.29	0.29	NUM
easat-11297	205	29	%	%	NOUN
easat-11297	205	30	54	54	NUM
easat-11297	205	31	%	%	NOUN
easat-11297	205	32	accuracy	accuracy	NOUN
easat-11297	205	33	0.70	0.70	NUM
easat-11297	205	34	%	%	NOUN
easat-11297	205	35	200	200	NUM
easat-11297	205	36	%	%	NOUN
easat-11297	205	37	macro	macro	ADJ
easat-11297	205	38	avg	avg	NOUN
easat-11297	205	39	0.58	0.58	NUM
easat-11297	205	40	%	%	NOUN
easat-11297	205	41	0.55	0.55	NUM
easat-11297	205	42	%	%	NOUN
easat-11297	205	43	0.55	0.55	NUM
easat-11297	205	44	%	%	NOUN
easat-11297	205	45	200	200	NUM
easat-11297	205	46	%	%	NOUN
easat-11297	205	47	weighted	weight	VERB
easat-11297	205	48	avg	avg	PROPN
easat-11297	205	49	0.66	0.66	NUM
easat-11297	205	50	%	%	NOUN
easat-11297	205	51	0.70	0.70	NUM
easat-11297	205	52	%	%	NOUN
easat-11297	205	53	0.67	0.67	NUM
easat-11297	205	54	%	%	NOUN
easat-11297	205	55	200	200	NUM
easat-11297	205	56	%	%	NOUN
easat-11297	205	57	the	the	DET
easat-11297	205	58	performance	performance	NOUN
easat-11297	205	59	metrics	metric	NOUN
easat-11297	205	60	for	for	ADP
easat-11297	205	61	the	the	DET
easat-11297	205	62	credit	credit	NOUN
easat-11297	205	63	default	default	NOUN
easat-11297	205	64	categories	category	NOUN
easat-11297	205	65	are	be	AUX
easat-11297	205	66	as	as	SCONJ
easat-11297	205	67	follows	follow	VERB
easat-11297	205	68	:	:	PUNCT
easat-11297	205	69	for	for	ADP
easat-11297	205	70	not	not	PART
easat-11297	205	71	default	default	NOUN
easat-11297	205	72	(	(	PUNCT
easat-11297	205	73	0	0	NUM
easat-11297	205	74	)	)	PUNCT
easat-11297	205	75	,	,	PUNCT
easat-11297	205	76	precision	precision	NOUN
easat-11297	205	77	is	be	AUX
easat-11297	205	78	0.75	0.75	NUM
easat-11297	205	79	,	,	PUNCT
easat-11297	205	80	recall	recall	NOUN
easat-11297	205	81	is	be	AUX
easat-11297	205	82	0.88	0.88	NUM
easat-11297	205	83	,	,	PUNCT
easat-11297	205	84	and	and	CCONJ
easat-11297	205	85	the	the	DET
easat-11297	205	86	f1	f1	NOUN
easat-11297	205	87	-	-	PUNCT
easat-11297	205	88	score	score	NOUN
easat-11297	205	89	is	be	AUX
easat-11297	205	90	0.81	0.81	NUM
easat-11297	205	91	.	.	PUNCT
easat-11297	206	1	for	for	ADP
easat-11297	206	2	defaulted	defaulted	ADJ
easat-11297	206	3	(	(	PUNCT
easat-11297	206	4	1	1	NUM
easat-11297	206	5	)	)	PUNCT
easat-11297	206	6	,	,	PUNCT
easat-11297	206	7	precision	precision	NOUN
easat-11297	206	8	is	be	AUX
easat-11297	206	9	0.40	0.40	NUM
easat-11297	206	10	,	,	PUNCT
easat-11297	206	11	recall	recall	NOUN
easat-11297	206	12	is	be	AUX
easat-11297	206	13	0.22	0.22	NUM
easat-11297	206	14	,	,	PUNCT
easat-11297	206	15	and	and	CCONJ
easat-11297	206	16	the	the	DET
easat-11297	206	17	f1	f1	NOUN
easat-11297	206	18	-	-	PUNCT
easat-11297	206	19	score	score	NOUN
easat-11297	206	20	is	be	AUX
easat-11297	206	21	0.29	0.29	NUM
easat-11297	206	22	,	,	PUNCT
easat-11297	206	23	indicating	indicate	VERB
easat-11297	206	24	lower	low	ADJ
easat-11297	206	25	performance	performance	NOUN
easat-11297	206	26	in	in	ADP
easat-11297	206	27	predicting	predict	VERB
easat-11297	206	28	defaults	default	NOUN
easat-11297	206	29	.	.	PUNCT
easat-11297	207	1	136	136	NUM
easat-11297	207	2	edelweiss	edelweiss	PROPN
easat-11297	207	3	applied	apply	VERB
easat-11297	207	4	science	science	NOUN
easat-11297	207	5	and	and	CCONJ
easat-11297	207	6	technology	technology	NOUN
easat-11297	207	7	issn	issn	PROPN
easat-11297	207	8	:	:	PUNCT
easat-11297	207	9	2576	2576	NUM
easat-11297	207	10	-	-	SYM
easat-11297	207	11	8484	8484	NUM
easat-11297	207	12	vol	vol	NOUN
easat-11297	207	13	.	.	PROPN
easat-11297	208	1	9	9	NUM
easat-11297	208	2	,	,	PUNCT
easat-11297	208	3	no	no	INTJ
easat-11297	208	4	.	.	NOUN
easat-11297	208	5	12	12	NUM
easat-11297	208	6	:	:	PUNCT
easat-11297	208	7	124	124	NUM
easat-11297	208	8	-	-	SYM
easat-11297	208	9	147	147	NUM
easat-11297	208	10	,	,	PUNCT
easat-11297	208	11	2025	2025	NUM
easat-11297	208	12	doi	doi	NOUN
easat-11297	208	13	:	:	PUNCT
easat-11297	208	14	10.55214/2576	10.55214/2576	NUM
easat-11297	208	15	-	-	SYM
easat-11297	208	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	209	1	©	©	PROPN
easat-11297	209	2	2025	2025	NUM
easat-11297	209	3	by	by	ADP
easat-11297	209	4	the	the	DET
easat-11297	209	5	authors	author	NOUN
easat-11297	209	6	;	;	PUNCT
easat-11297	209	7	licensee	licensee	PROPN
easat-11297	209	8	learning	learn	VERB
easat-11297	209	9	gate	gate	NOUN
easat-11297	209	10	figure	figure	NOUN
easat-11297	209	11	9	9	NUM
easat-11297	209	12	.	.	PUNCT
easat-11297	209	13	confusion	confusion	NOUN
easat-11297	209	14	matrix	matrix	NOUN
easat-11297	209	15	for	for	ADP
easat-11297	209	16	stacking	stack	VERB
easat-11297	209	17	model	model	NOUN
easat-11297	209	18	(	(	PUNCT
easat-11297	209	19	dataset-2	dataset-2	PROPN
easat-11297	209	20	)	)	PUNCT
easat-11297	209	21	.	.	PUNCT
easat-11297	210	1	the	the	DET
easat-11297	210	2	confusion	confusion	NOUN
easat-11297	210	3	matrix	matrix	NOUN
easat-11297	210	4	(	(	PUNCT
easat-11297	210	5	figure	figure	NOUN
easat-11297	210	6	9	9	NUM
easat-11297	210	7	)	)	PUNCT
easat-11297	210	8	shows	show	VERB
easat-11297	210	9	that	that	SCONJ
easat-11297	210	10	the	the	DET
easat-11297	210	11	stacking	stacking	NOUN
easat-11297	210	12	model	model	NOUN
easat-11297	210	13	correctly	correctly	ADV
easat-11297	210	14	classified	classify	VERB
easat-11297	210	15	128	128	NUM
easat-11297	210	16	out	out	ADP
easat-11297	210	17	of	of	ADP
easat-11297	210	18	146	146	NUM
easat-11297	210	19	instances	instance	NOUN
easat-11297	210	20	of	of	ADP
easat-11297	210	21	non	non	ADJ
easat-11297	210	22	-	-	NOUN
easat-11297	210	23	default	default	NOUN
easat-11297	210	24	and	and	CCONJ
easat-11297	210	25	12	12	NUM
easat-11297	210	26	out	out	ADP
easat-11297	210	27	of	of	ADP
easat-11297	210	28	54	54	NUM
easat-11297	210	29	instances	instance	NOUN
easat-11297	210	30	of	of	ADP
easat-11297	210	31	default	default	NOUN
easat-11297	210	32	.	.	PUNCT
easat-11297	211	1	however	however	ADV
easat-11297	211	2	,	,	PUNCT
easat-11297	211	3	the	the	DET
easat-11297	211	4	model	model	NOUN
easat-11297	211	5	struggles	struggle	VERB
easat-11297	211	6	with	with	ADP
easat-11297	211	7	correctly	correctly	ADV
easat-11297	211	8	identifying	identify	VERB
easat-11297	211	9	defaulters	defaulter	NOUN
easat-11297	211	10	,	,	PUNCT
easat-11297	211	11	as	as	SCONJ
easat-11297	211	12	shown	show	VERB
easat-11297	211	13	by	by	ADP
easat-11297	211	14	the	the	DET
easat-11297	211	15	lower	low	ADJ
easat-11297	211	16	recall	recall	NOUN
easat-11297	211	17	for	for	ADP
easat-11297	211	18	defaulted	defaulted	ADJ
easat-11297	211	19	(	(	PUNCT
easat-11297	211	20	1	1	NUM
easat-11297	211	21	)	)	PUNCT
easat-11297	211	22	.	.	PUNCT
easat-11297	212	1	the	the	DET
easat-11297	212	2	model	model	NOUN
easat-11297	212	3	tends	tend	VERB
easat-11297	212	4	to	to	PART
easat-11297	212	5	classify	classify	VERB
easat-11297	212	6	more	more	ADJ
easat-11297	212	7	individuals	individual	NOUN
easat-11297	212	8	as	as	ADP
easat-11297	212	9	non	non	NOUN
easat-11297	212	10	-	-	NOUN
easat-11297	212	11	defaulters	defaulter	NOUN
easat-11297	212	12	,	,	PUNCT
easat-11297	212	13	leading	lead	VERB
easat-11297	212	14	to	to	ADP
easat-11297	212	15	high	high	ADJ
easat-11297	212	16	precision	precision	NOUN
easat-11297	212	17	but	but	CCONJ
easat-11297	212	18	low	low	ADJ
easat-11297	212	19	recall	recall	NOUN
easat-11297	212	20	for	for	ADP
easat-11297	212	21	defaults	default	NOUN
easat-11297	212	22	.	.	PUNCT
easat-11297	213	1	the	the	DET
easat-11297	213	2	bagging	bagging	NOUN
easat-11297	213	3	classifier	classifier	NOUN
easat-11297	213	4	,	,	PUNCT
easat-11297	213	5	which	which	PRON
easat-11297	213	6	uses	use	VERB
easat-11297	213	7	multiple	multiple	ADJ
easat-11297	213	8	decision	decision	NOUN
easat-11297	213	9	trees	tree	NOUN
easat-11297	213	10	as	as	ADP
easat-11297	213	11	base	base	NOUN
easat-11297	213	12	models	model	NOUN
easat-11297	213	13	,	,	PUNCT
easat-11297	213	14	achieved	achieve	VERB
easat-11297	213	15	the	the	DET
easat-11297	213	16	highest	high	ADJ
easat-11297	213	17	accuracy	accuracy	NOUN
easat-11297	213	18	among	among	ADP
easat-11297	213	19	the	the	DET
easat-11297	213	20	three	three	NUM
easat-11297	213	21	models	model	NOUN
easat-11297	213	22	at	at	ADP
easat-11297	213	23	72	72	NUM
easat-11297	213	24	%	%	NOUN
easat-11297	213	25	.	.	PUNCT
easat-11297	214	1	bagging	bag	VERB
easat-11297	214	2	typically	typically	ADV
easat-11297	214	3	reduces	reduce	VERB
easat-11297	214	4	variance	variance	NOUN
easat-11297	214	5	by	by	ADP
easat-11297	214	6	averaging	average	VERB
easat-11297	214	7	the	the	DET
easat-11297	214	8	results	result	NOUN
easat-11297	214	9	of	of	ADP
easat-11297	214	10	many	many	ADJ
easat-11297	214	11	decision	decision	NOUN
easat-11297	214	12	trees	tree	NOUN
easat-11297	214	13	,	,	PUNCT
easat-11297	214	14	leading	lead	VERB
easat-11297	214	15	to	to	ADP
easat-11297	214	16	more	more	ADV
easat-11297	214	17	stable	stable	ADJ
easat-11297	214	18	predictions	prediction	NOUN
easat-11297	214	19	.	.	PUNCT
easat-11297	215	1	table	table	NOUN
easat-11297	215	2	5	5	NUM
easat-11297	215	3	.	.	PUNCT
easat-11297	216	1	evaluation	evaluation	NOUN
easat-11297	216	2	of	of	ADP
easat-11297	216	3	the	the	DET
easat-11297	216	4	bagging	bagging	NOUN
easat-11297	216	5	model	model	NOUN
easat-11297	216	6	(	(	PUNCT
easat-11297	216	7	dataset-2	dataset-2	PROPN
easat-11297	216	8	)	)	PUNCT
easat-11297	216	9	.	.	PUNCT
easat-11297	217	1	precision	precision	NOUN
easat-11297	217	2	recall	recall	VERB
easat-11297	217	3	f1	f1	NOUN
easat-11297	217	4	-	-	PUNCT
easat-11297	217	5	score	score	NOUN
easat-11297	217	6	support	support	NOUN
easat-11297	217	7	not	not	PART
easat-11297	217	8	default	default	VERB
easat-11297	217	9	(	(	PUNCT
easat-11297	217	10	0	0	NUM
easat-11297	217	11	)	)	PUNCT
easat-11297	217	12	0.76	0.76	NUM
easat-11297	217	13	%	%	NOUN
easat-11297	217	14	0.89	0.89	NUM
easat-11297	217	15	%	%	NOUN
easat-11297	217	16	0.82	0.82	NUM
easat-11297	217	17	%	%	NOUN
easat-11297	217	18	146	146	NUM
easat-11297	217	19	%	%	NOUN
easat-11297	217	20	defaulted	default	VERB
easat-11297	217	21	(	(	PUNCT
easat-11297	217	22	1	1	NUM
easat-11297	217	23	)	)	PUNCT
easat-11297	217	24	0.47	0.47	NUM
easat-11297	217	25	%	%	NOUN
easat-11297	217	26	0.26	0.26	NUM
easat-11297	217	27	%	%	NOUN
easat-11297	217	28	0.33	0.33	NUM
easat-11297	217	29	%	%	NOUN
easat-11297	217	30	54	54	NUM
easat-11297	217	31	%	%	NOUN
easat-11297	217	32	accuracy	accuracy	NOUN
easat-11297	217	33	0.72	0.72	NUM
easat-11297	217	34	%	%	NOUN
easat-11297	217	35	200	200	NUM
easat-11297	217	36	%	%	NOUN
easat-11297	217	37	macro	macro	ADJ
easat-11297	217	38	avg	avg	NOUN
easat-11297	217	39	0.62	0.62	NUM
easat-11297	217	40	%	%	NOUN
easat-11297	217	41	0.57	0.57	NUM
easat-11297	217	42	%	%	NOUN
easat-11297	217	43	0.58	0.58	NUM
easat-11297	217	44	%	%	NOUN
easat-11297	217	45	200	200	NUM
easat-11297	217	46	%	%	NOUN
easat-11297	217	47	weighted	weight	VERB
easat-11297	217	48	avg	avg	PROPN
easat-11297	217	49	0.68	0.68	NUM
easat-11297	217	50	%	%	NOUN
easat-11297	217	51	0.72	0.72	NUM
easat-11297	217	52	%	%	NOUN
easat-11297	217	53	0.69	0.69	NUM
easat-11297	217	54	%	%	NOUN
easat-11297	217	55	200	200	NUM
easat-11297	217	56	%	%	NOUN
easat-11297	217	57	table	table	NOUN
easat-11297	217	58	4	4	NUM
easat-11297	217	59	shows	show	VERB
easat-11297	217	60	performance	performance	NOUN
easat-11297	217	61	metrics	metric	NOUN
easat-11297	217	62	for	for	ADP
easat-11297	217	63	the	the	DET
easat-11297	217	64	credit	credit	NOUN
easat-11297	217	65	default	default	NOUN
easat-11297	217	66	categories	category	NOUN
easat-11297	217	67	as	as	SCONJ
easat-11297	217	68	follows	follow	VERB
easat-11297	217	69	:	:	PUNCT
easat-11297	217	70	for	for	ADP
easat-11297	217	71	not	not	PART
easat-11297	217	72	default	default	NOUN
easat-11297	217	73	(	(	PUNCT
easat-11297	217	74	0	0	NUM
easat-11297	217	75	)	)	PUNCT
easat-11297	217	76	,	,	PUNCT
easat-11297	217	77	precision	precision	NOUN
easat-11297	217	78	is	be	AUX
easat-11297	217	79	0.76	0.76	NUM
easat-11297	217	80	,	,	PUNCT
easat-11297	217	81	recall	recall	NOUN
easat-11297	217	82	is	be	AUX
easat-11297	217	83	0.89	0.89	NUM
easat-11297	217	84	,	,	PUNCT
easat-11297	217	85	and	and	CCONJ
easat-11297	217	86	the	the	DET
easat-11297	217	87	f1	f1	NOUN
easat-11297	217	88	-	-	PUNCT
easat-11297	217	89	score	score	NOUN
easat-11297	217	90	is	be	AUX
easat-11297	217	91	0.82	0.82	NUM
easat-11297	217	92	.	.	PUNCT
easat-11297	218	1	for	for	ADP
easat-11297	218	2	defaulted	defaulted	ADJ
easat-11297	218	3	(	(	PUNCT
easat-11297	218	4	1	1	NUM
easat-11297	218	5	)	)	PUNCT
easat-11297	218	6	,	,	PUNCT
easat-11297	218	7	precision	precision	NOUN
easat-11297	218	8	is	be	AUX
easat-11297	218	9	0.47	0.47	NUM
easat-11297	218	10	,	,	PUNCT
easat-11297	218	11	recall	recall	NOUN
easat-11297	218	12	is	be	AUX
easat-11297	218	13	0.26	0.26	NUM
easat-11297	218	14	,	,	PUNCT
easat-11297	218	15	and	and	CCONJ
easat-11297	218	16	the	the	DET
easat-11297	218	17	f1	f1	NOUN
easat-11297	218	18	-	-	PUNCT
easat-11297	218	19	score	score	NOUN
easat-11297	218	20	is	be	AUX
easat-11297	218	21	0.33	0.33	NUM
easat-11297	218	22	,	,	PUNCT
easat-11297	218	23	indicating	indicate	VERB
easat-11297	218	24	lower	low	ADJ
easat-11297	218	25	performance	performance	NOUN
easat-11297	218	26	in	in	ADP
easat-11297	218	27	predicting	predict	VERB
easat-11297	218	28	defaults	default	NOUN
easat-11297	218	29	.	.	PUNCT
easat-11297	219	1	137	137	NUM
easat-11297	219	2	edelweiss	edelweiss	PROPN
easat-11297	219	3	applied	apply	VERB
easat-11297	219	4	science	science	NOUN
easat-11297	219	5	and	and	CCONJ
easat-11297	219	6	technology	technology	NOUN
easat-11297	219	7	issn	issn	PROPN
easat-11297	219	8	:	:	PUNCT
easat-11297	219	9	2576	2576	NUM
easat-11297	219	10	-	-	SYM
easat-11297	219	11	8484	8484	NUM
easat-11297	219	12	vol	vol	NOUN
easat-11297	219	13	.	.	PROPN
easat-11297	220	1	9	9	NUM
easat-11297	220	2	,	,	PUNCT
easat-11297	220	3	no	no	INTJ
easat-11297	220	4	.	.	NOUN
easat-11297	220	5	12	12	NUM
easat-11297	220	6	:	:	PUNCT
easat-11297	220	7	124	124	NUM
easat-11297	220	8	-	-	SYM
easat-11297	220	9	147	147	NUM
easat-11297	220	10	,	,	PUNCT
easat-11297	220	11	2025	2025	NUM
easat-11297	220	12	doi	doi	NOUN
easat-11297	220	13	:	:	PUNCT
easat-11297	220	14	10.55214/2576	10.55214/2576	NUM
easat-11297	220	15	-	-	SYM
easat-11297	220	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	221	1	©	©	PROPN
easat-11297	221	2	2025	2025	NUM
easat-11297	221	3	by	by	ADP
easat-11297	221	4	the	the	DET
easat-11297	221	5	authors	author	NOUN
easat-11297	221	6	;	;	PUNCT
easat-11297	221	7	licensee	licensee	PROPN
easat-11297	221	8	learning	learn	VERB
easat-11297	221	9	gate	gate	PROPN
easat-11297	221	10	figure	figure	NOUN
easat-11297	221	11	10	10	NUM
easat-11297	221	12	.	.	PUNCT
easat-11297	221	13	confusion	confusion	NOUN
easat-11297	221	14	matrix	matrix	NOUN
easat-11297	221	15	for	for	ADP
easat-11297	221	16	bagging	bagging	NOUN
easat-11297	221	17	model	model	NOUN
easat-11297	221	18	(	(	PUNCT
easat-11297	221	19	dataset-2	dataset-2	PROPN
easat-11297	221	20	)	)	PUNCT
easat-11297	221	21	.	.	PUNCT
easat-11297	222	1	figure	figure	NOUN
easat-11297	222	2	10	10	NUM
easat-11297	222	3	shows	show	VERB
easat-11297	222	4	that	that	SCONJ
easat-11297	222	5	the	the	DET
easat-11297	222	6	bagging	bagging	NOUN
easat-11297	222	7	model	model	NOUN
easat-11297	222	8	correctly	correctly	ADV
easat-11297	222	9	classified	classify	VERB
easat-11297	222	10	130	130	NUM
easat-11297	222	11	out	out	ADP
easat-11297	222	12	of	of	ADP
easat-11297	222	13	146	146	NUM
easat-11297	222	14	non	non	ADJ
easat-11297	222	15	-	-	ADJ
easat-11297	222	16	default	default	ADJ
easat-11297	222	17	cases	case	NOUN
easat-11297	222	18	and	and	CCONJ
easat-11297	222	19	14	14	NUM
easat-11297	222	20	out	out	ADP
easat-11297	222	21	of	of	ADP
easat-11297	222	22	54	54	NUM
easat-11297	222	23	default	default	NOUN
easat-11297	222	24	cases	case	NOUN
easat-11297	222	25	.	.	PUNCT
easat-11297	223	1	similar	similar	ADJ
easat-11297	223	2	to	to	ADP
easat-11297	223	3	the	the	DET
easat-11297	223	4	stacking	stacking	NOUN
easat-11297	223	5	model	model	NOUN
easat-11297	223	6	,	,	PUNCT
easat-11297	223	7	the	the	DET
easat-11297	223	8	bagging	bagging	NOUN
easat-11297	223	9	model	model	NOUN
easat-11297	223	10	performs	perform	VERB
easat-11297	223	11	well	well	ADV
easat-11297	223	12	for	for	ADP
easat-11297	223	13	nondefaulters	nondefaulter	NOUN
easat-11297	223	14	but	but	CCONJ
easat-11297	223	15	struggles	struggle	VERB
easat-11297	223	16	with	with	ADP
easat-11297	223	17	identifying	identify	VERB
easat-11297	223	18	default	default	NOUN
easat-11297	223	19	cases	case	NOUN
easat-11297	223	20	,	,	PUNCT
easat-11297	223	21	although	although	SCONJ
easat-11297	223	22	it	it	PRON
easat-11297	223	23	does	do	AUX
easat-11297	223	24	show	show	VERB
easat-11297	223	25	a	a	DET
easat-11297	223	26	slightly	slightly	ADV
easat-11297	223	27	better	well	ADJ
easat-11297	223	28	recall	recall	NOUN
easat-11297	223	29	for	for	ADP
easat-11297	223	30	the	the	DET
easat-11297	223	31	defaulted	default	VERB
easat-11297	223	32	(	(	PUNCT
easat-11297	223	33	1	1	NUM
easat-11297	223	34	)	)	PUNCT
easat-11297	223	35	class	class	NOUN
easat-11297	223	36	compared	compare	VERB
easat-11297	223	37	to	to	ADP
easat-11297	223	38	stacking	stack	VERB
easat-11297	223	39	.	.	PUNCT
easat-11297	224	1	the	the	DET
easat-11297	224	2	boosting	boost	VERB
easat-11297	224	3	model	model	NOUN
easat-11297	224	4	,	,	PUNCT
easat-11297	224	5	specifically	specifically	ADV
easat-11297	224	6	the	the	DET
easat-11297	224	7	adaboost	adaboost	ADJ
easat-11297	224	8	model	model	NOUN
easat-11297	224	9	,	,	PUNCT
easat-11297	224	10	which	which	PRON
easat-11297	224	11	uses	use	VERB
easat-11297	224	12	decision	decision	NOUN
easat-11297	224	13	trees	tree	NOUN
easat-11297	224	14	as	as	ADP
easat-11297	224	15	weak	weak	ADJ
easat-11297	224	16	learners	learner	NOUN
easat-11297	224	17	,	,	PUNCT
easat-11297	224	18	achieved	achieve	VERB
easat-11297	224	19	an	an	DET
easat-11297	224	20	overall	overall	ADJ
easat-11297	224	21	accuracy	accuracy	NOUN
easat-11297	224	22	of	of	ADP
easat-11297	224	23	58	58	NUM
easat-11297	224	24	%	%	NOUN
easat-11297	224	25	,	,	PUNCT
easat-11297	224	26	making	make	VERB
easat-11297	224	27	it	it	PRON
easat-11297	224	28	the	the	DET
easat-11297	224	29	least	least	ADV
easat-11297	224	30	accurate	accurate	ADJ
easat-11297	224	31	model	model	NOUN
easat-11297	224	32	.	.	PUNCT
easat-11297	225	1	boosting	boost	VERB
easat-11297	225	2	works	work	NOUN
easat-11297	225	3	by	by	ADP
easat-11297	225	4	iteratively	iteratively	ADV
easat-11297	225	5	correcting	correct	VERB
easat-11297	225	6	the	the	DET
easat-11297	225	7	mistakes	mistake	NOUN
easat-11297	225	8	of	of	ADP
easat-11297	225	9	previous	previous	ADJ
easat-11297	225	10	models	model	NOUN
easat-11297	225	11	,	,	PUNCT
easat-11297	225	12	but	but	CCONJ
easat-11297	225	13	in	in	ADP
easat-11297	225	14	this	this	DET
easat-11297	225	15	case	case	NOUN
easat-11297	225	16	,	,	PUNCT
easat-11297	225	17	the	the	DET
easat-11297	225	18	model	model	NOUN
easat-11297	225	19	performed	perform	VERB
easat-11297	225	20	poorly	poorly	ADV
easat-11297	225	21	in	in	ADP
easat-11297	225	22	distinguishing	distinguish	VERB
easat-11297	225	23	between	between	ADP
easat-11297	225	24	default	default	NOUN
easat-11297	225	25	and	and	CCONJ
easat-11297	225	26	non	non	ADJ
easat-11297	225	27	-	-	ADJ
easat-11297	225	28	default	default	ADJ
easat-11297	225	29	cases	case	NOUN
easat-11297	225	30	.	.	PUNCT
easat-11297	226	1	table	table	NOUN
easat-11297	226	2	6	6	NUM
easat-11297	226	3	.	.	PUNCT
easat-11297	227	1	evaluation	evaluation	NOUN
easat-11297	227	2	of	of	ADP
easat-11297	227	3	the	the	DET
easat-11297	227	4	boosting	boost	VERB
easat-11297	227	5	model	model	NOUN
easat-11297	227	6	(	(	PUNCT
easat-11297	227	7	dataset-2	dataset-2	PROPN
easat-11297	227	8	)	)	PUNCT
easat-11297	227	9	.	.	PUNCT
easat-11297	228	1	precision	precision	NOUN
easat-11297	228	2	recall	recall	VERB
easat-11297	228	3	f1	f1	NOUN
easat-11297	228	4	-	-	PUNCT
easat-11297	228	5	score	score	NOUN
easat-11297	228	6	support	support	NOUN
easat-11297	228	7	not	not	PART
easat-11297	228	8	default	default	VERB
easat-11297	228	9	(	(	PUNCT
easat-11297	228	10	0	0	NUM
easat-11297	228	11	)	)	PUNCT
easat-11297	228	12	0.74	0.74	NUM
easat-11297	228	13	%	%	NOUN
easat-11297	228	14	0.66	0.66	NUM
easat-11297	228	15	%	%	NOUN
easat-11297	228	16	0.70	0.70	NUM
easat-11297	228	17	%	%	NOUN
easat-11297	228	18	146	146	NUM
easat-11297	228	19	%	%	NOUN
easat-11297	228	20	defaulted	default	VERB
easat-11297	228	21	(	(	PUNCT
easat-11297	228	22	1	1	NUM
easat-11297	228	23	)	)	PUNCT
easat-11297	228	24	0.29	0.29	NUM
easat-11297	228	25	%	%	NOUN
easat-11297	228	26	0.37	0.37	NUM
easat-11297	228	27	%	%	NOUN
easat-11297	228	28	0.32	0.32	NUM
easat-11297	228	29	%	%	NOUN
easat-11297	228	30	54	54	NUM
easat-11297	228	31	%	%	NOUN
easat-11297	228	32	accuracy	accuracy	NOUN
easat-11297	228	33	0.58	0.58	NUM
easat-11297	228	34	%	%	NOUN
easat-11297	228	35	200	200	NUM
easat-11297	228	36	%	%	NOUN
easat-11297	228	37	macro	macro	ADJ
easat-11297	228	38	avg	avg	NOUN
easat-11297	228	39	0.51	0.51	NUM
easat-11297	228	40	%	%	NOUN
easat-11297	228	41	0.51	0.51	NUM
easat-11297	228	42	%	%	NOUN
easat-11297	228	43	0.51	0.51	NUM
easat-11297	228	44	%	%	NOUN
easat-11297	228	45	200	200	NUM
easat-11297	228	46	%	%	NOUN
easat-11297	228	47	weighted	weight	VERB
easat-11297	228	48	avg	avg	NOUN
easat-11297	228	49	0.62	0.62	NUM
easat-11297	228	50	%	%	NOUN
easat-11297	228	51	0.58	0.58	NUM
easat-11297	228	52	%	%	NOUN
easat-11297	228	53	0.59	0.59	NUM
easat-11297	228	54	%	%	NOUN
easat-11297	228	55	200	200	NUM
easat-11297	228	56	%	%	NOUN
easat-11297	228	57	the	the	DET
easat-11297	228	58	performance	performance	NOUN
easat-11297	228	59	metrics	metric	NOUN
easat-11297	228	60	for	for	ADP
easat-11297	228	61	the	the	DET
easat-11297	228	62	credit	credit	NOUN
easat-11297	228	63	default	default	NOUN
easat-11297	228	64	categories	category	NOUN
easat-11297	228	65	are	be	AUX
easat-11297	228	66	as	as	SCONJ
easat-11297	228	67	follows	follow	VERB
easat-11297	228	68	:	:	PUNCT
easat-11297	228	69	see	see	VERB
easat-11297	228	70	table	table	NOUN
easat-11297	228	71	6	6	NUM
easat-11297	228	72	.	.	PUNCT
easat-11297	229	1	for	for	ADP
easat-11297	229	2	not	not	PART
easat-11297	229	3	default	default	NOUN
easat-11297	229	4	(	(	PUNCT
easat-11297	229	5	0	0	NUM
easat-11297	229	6	)	)	PUNCT
easat-11297	229	7	,	,	PUNCT
easat-11297	229	8	precision	precision	NOUN
easat-11297	229	9	is	be	AUX
easat-11297	229	10	0.74	0.74	NUM
easat-11297	229	11	,	,	PUNCT
easat-11297	229	12	recall	recall	NOUN
easat-11297	229	13	is	be	AUX
easat-11297	229	14	0.66	0.66	NUM
easat-11297	229	15	,	,	PUNCT
easat-11297	229	16	and	and	CCONJ
easat-11297	229	17	the	the	DET
easat-11297	229	18	f1	f1	NOUN
easat-11297	229	19	-	-	PUNCT
easat-11297	229	20	score	score	NOUN
easat-11297	229	21	is	be	AUX
easat-11297	229	22	0.70	0.70	NUM
easat-11297	229	23	.	.	PUNCT
easat-11297	230	1	for	for	ADP
easat-11297	230	2	defaulted	defaulted	ADJ
easat-11297	230	3	(	(	PUNCT
easat-11297	230	4	1	1	NUM
easat-11297	230	5	)	)	PUNCT
easat-11297	230	6	,	,	PUNCT
easat-11297	230	7	precision	precision	NOUN
easat-11297	230	8	is	be	AUX
easat-11297	230	9	0.29	0.29	NUM
easat-11297	230	10	,	,	PUNCT
easat-11297	230	11	recall	recall	NOUN
easat-11297	230	12	is	be	AUX
easat-11297	230	13	0.37	0.37	NUM
easat-11297	230	14	,	,	PUNCT
easat-11297	230	15	and	and	CCONJ
easat-11297	230	16	the	the	DET
easat-11297	230	17	f1	f1	NOUN
easat-11297	230	18	-	-	PUNCT
easat-11297	230	19	score	score	NOUN
easat-11297	230	20	is	be	AUX
easat-11297	230	21	0.32	0.32	NUM
easat-11297	230	22	,	,	PUNCT
easat-11297	230	23	indicating	indicate	VERB
easat-11297	230	24	lower	low	ADJ
easat-11297	230	25	performance	performance	NOUN
easat-11297	230	26	in	in	ADP
easat-11297	230	27	predicting	predict	VERB
easat-11297	230	28	defaults	default	NOUN
easat-11297	230	29	.	.	PUNCT
easat-11297	231	1	138	138	NUM
easat-11297	231	2	edelweiss	edelweiss	PROPN
easat-11297	231	3	applied	apply	VERB
easat-11297	231	4	science	science	NOUN
easat-11297	231	5	and	and	CCONJ
easat-11297	231	6	technology	technology	NOUN
easat-11297	231	7	issn	issn	PROPN
easat-11297	231	8	:	:	PUNCT
easat-11297	231	9	2576	2576	NUM
easat-11297	231	10	-	-	SYM
easat-11297	231	11	8484	8484	NUM
easat-11297	231	12	vol	vol	NOUN
easat-11297	231	13	.	.	PROPN
easat-11297	232	1	9	9	NUM
easat-11297	232	2	,	,	PUNCT
easat-11297	232	3	no	no	INTJ
easat-11297	232	4	.	.	NOUN
easat-11297	232	5	12	12	NUM
easat-11297	232	6	:	:	PUNCT
easat-11297	232	7	124	124	NUM
easat-11297	232	8	-	-	SYM
easat-11297	232	9	147	147	NUM
easat-11297	232	10	,	,	PUNCT
easat-11297	232	11	2025	2025	NUM
easat-11297	232	12	doi	doi	NOUN
easat-11297	232	13	:	:	PUNCT
easat-11297	232	14	10.55214/2576	10.55214/2576	NUM
easat-11297	232	15	-	-	SYM
easat-11297	232	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	233	1	©	©	PROPN
easat-11297	233	2	2025	2025	NUM
easat-11297	233	3	by	by	ADP
easat-11297	233	4	the	the	DET
easat-11297	233	5	authors	author	NOUN
easat-11297	233	6	;	;	PUNCT
easat-11297	233	7	licensee	licensee	PROPN
easat-11297	233	8	learning	learn	VERB
easat-11297	233	9	gate	gate	PROPN
easat-11297	233	10	figure	figure	NOUN
easat-11297	233	11	11	11	NUM
easat-11297	233	12	.	.	PUNCT
easat-11297	234	1	confusion	confusion	NOUN
easat-11297	234	2	matrix	matrix	NOUN
easat-11297	234	3	for	for	ADP
easat-11297	234	4	boosting	boost	VERB
easat-11297	234	5	model	model	NOUN
easat-11297	234	6	(	(	PUNCT
easat-11297	234	7	dataset-2	dataset-2	PROPN
easat-11297	234	8	)	)	PUNCT
easat-11297	234	9	.	.	PUNCT
easat-11297	235	1	the	the	DET
easat-11297	235	2	confusion	confusion	NOUN
easat-11297	235	3	matrix	matrix	NOUN
easat-11297	235	4	in	in	ADP
easat-11297	235	5	figure	figure	NOUN
easat-11297	235	6	11	11	NUM
easat-11297	235	7	indicates	indicate	VERB
easat-11297	235	8	that	that	SCONJ
easat-11297	235	9	the	the	DET
easat-11297	235	10	model	model	NOUN
easat-11297	235	11	correctly	correctly	ADV
easat-11297	235	12	classified	classify	VERB
easat-11297	235	13	96	96	NUM
easat-11297	235	14	out	out	ADP
easat-11297	235	15	of	of	ADP
easat-11297	235	16	146	146	NUM
easat-11297	235	17	nondefault	nondefault	NOUN
easat-11297	235	18	cases	case	NOUN
easat-11297	235	19	and	and	CCONJ
easat-11297	235	20	20	20	NUM
easat-11297	235	21	out	out	ADP
easat-11297	235	22	of	of	ADP
easat-11297	235	23	54	54	NUM
easat-11297	235	24	default	default	NOUN
easat-11297	235	25	cases	case	NOUN
easat-11297	235	26	.	.	PUNCT
easat-11297	236	1	the	the	DET
easat-11297	236	2	boosting	boost	VERB
easat-11297	236	3	model	model	NOUN
easat-11297	236	4	struggled	struggle	VERB
easat-11297	236	5	the	the	DET
easat-11297	236	6	most	most	ADJ
easat-11297	236	7	with	with	ADP
easat-11297	236	8	predicting	predict	VERB
easat-11297	236	9	defaults	default	NOUN
easat-11297	236	10	,	,	PUNCT
easat-11297	236	11	as	as	SCONJ
easat-11297	236	12	evidenced	evidence	VERB
easat-11297	236	13	by	by	ADP
easat-11297	236	14	its	its	PRON
easat-11297	236	15	low	low	ADJ
easat-11297	236	16	recall	recall	NOUN
easat-11297	236	17	and	and	CCONJ
easat-11297	236	18	f1	f1	NOUN
easat-11297	236	19	-	-	PUNCT
easat-11297	236	20	score	score	NOUN
easat-11297	236	21	for	for	ADP
easat-11297	236	22	the	the	DET
easat-11297	236	23	defaulted	default	VERB
easat-11297	236	24	(	(	PUNCT
easat-11297	236	25	1	1	NUM
easat-11297	236	26	)	)	PUNCT
easat-11297	236	27	category	category	NOUN
easat-11297	236	28	.	.	PUNCT
easat-11297	237	1	the	the	DET
easat-11297	237	2	bagging	bagging	NOUN
easat-11297	237	3	model	model	NOUN
easat-11297	237	4	demonstrated	demonstrate	VERB
easat-11297	237	5	the	the	DET
easat-11297	237	6	best	good	ADJ
easat-11297	237	7	overall	overall	ADJ
easat-11297	237	8	performance	performance	NOUN
easat-11297	237	9	on	on	ADP
easat-11297	237	10	dataset	dataset	NOUN
easat-11297	237	11	2	2	NUM
easat-11297	237	12	,	,	PUNCT
easat-11297	237	13	with	with	ADP
easat-11297	237	14	the	the	DET
easat-11297	237	15	highest	high	ADJ
easat-11297	237	16	accuracy	accuracy	NOUN
easat-11297	237	17	and	and	CCONJ
easat-11297	237	18	a	a	DET
easat-11297	237	19	better	well	ADJ
easat-11297	237	20	balance	balance	NOUN
easat-11297	237	21	between	between	ADP
easat-11297	237	22	precision	precision	NOUN
easat-11297	237	23	and	and	CCONJ
easat-11297	237	24	recall	recall	NOUN
easat-11297	237	25	for	for	ADP
easat-11297	237	26	both	both	DET
easat-11297	237	27	classes	class	NOUN
easat-11297	237	28	.	.	PUNCT
easat-11297	238	1	the	the	DET
easat-11297	238	2	stacking	stacking	NOUN
easat-11297	238	3	model	model	NOUN
easat-11297	238	4	also	also	ADV
easat-11297	238	5	performed	perform	VERB
easat-11297	238	6	reasonably	reasonably	ADV
easat-11297	238	7	well	well	ADV
easat-11297	238	8	but	but	CCONJ
easat-11297	238	9	had	have	VERB
easat-11297	238	10	issues	issue	NOUN
easat-11297	238	11	with	with	ADP
easat-11297	238	12	recall	recall	NOUN
easat-11297	238	13	for	for	ADP
easat-11297	238	14	defaulters	defaulter	NOUN
easat-11297	238	15	.	.	PUNCT
easat-11297	239	1	the	the	DET
easat-11297	239	2	boosting	boost	VERB
easat-11297	239	3	model	model	NOUN
easat-11297	239	4	,	,	PUNCT
easat-11297	239	5	while	while	SCONJ
easat-11297	239	6	effective	effective	ADJ
easat-11297	239	7	for	for	ADP
easat-11297	239	8	some	some	DET
easat-11297	239	9	tasks	task	NOUN
easat-11297	239	10	,	,	PUNCT
easat-11297	239	11	was	be	AUX
easat-11297	239	12	the	the	DET
easat-11297	239	13	least	least	ADJ
easat-11297	239	14	successful	successful	ADJ
easat-11297	239	15	in	in	ADP
easat-11297	239	16	this	this	DET
easat-11297	239	17	case	case	NOUN
easat-11297	239	18	,	,	PUNCT
easat-11297	239	19	particularly	particularly	ADV
easat-11297	239	20	in	in	ADP
easat-11297	239	21	identifying	identify	VERB
easat-11297	239	22	default	default	NOUN
easat-11297	239	23	instances	instance	NOUN
easat-11297	239	24	.	.	PUNCT
easat-11297	240	1	4.5	4.5	NUM
easat-11297	240	2	.	.	PUNCT
easat-11297	241	1	exploratory	exploratory	ADJ
easat-11297	241	2	data	datum	NOUN
easat-11297	241	3	analysis	analysis	NOUN
easat-11297	241	4	(	(	PUNCT
easat-11297	241	5	eda	eda	X
easat-11297	241	6	)	)	PUNCT
easat-11297	241	7	for	for	ADP
easat-11297	241	8	dataset	dataset	ADJ
easat-11297	241	9	3	3	NUM
easat-11297	241	10	dataset	dataset	NOUN
easat-11297	241	11	3	3	NUM
easat-11297	241	12	has	have	VERB
easat-11297	241	13	32	32	NUM
easat-11297	241	14	attributes	attribute	NOUN
easat-11297	241	15	that	that	PRON
easat-11297	241	16	are	be	AUX
easat-11297	241	17	aspects	aspect	NOUN
easat-11297	241	18	of	of	ADP
easat-11297	241	19	the	the	DET
easat-11297	241	20	financial	financial	ADJ
easat-11297	241	21	behavior	behavior	NOUN
easat-11297	241	22	of	of	ADP
easat-11297	241	23	a	a	DET
easat-11297	241	24	customer	customer	NOUN
easat-11297	241	25	,	,	PUNCT
easat-11297	241	26	such	such	ADJ
easat-11297	241	27	as	as	ADP
easat-11297	241	28	annual	annual	ADJ
easat-11297	241	29	income	income	NOUN
easat-11297	241	30	,	,	PUNCT
easat-11297	241	31	number	number	NOUN
easat-11297	241	32	of	of	ADP
easat-11297	241	33	bank	bank	NOUN
easat-11297	241	34	accounts	account	NOUN
easat-11297	241	35	,	,	PUNCT
easat-11297	241	36	credit	credit	NOUN
easat-11297	241	37	card	card	NOUN
easat-11297	241	38	usage	usage	NOUN
easat-11297	241	39	,	,	PUNCT
easat-11297	241	40	number	number	NOUN
easat-11297	241	41	of	of	ADP
easat-11297	241	42	loans	loan	NOUN
easat-11297	241	43	,	,	PUNCT
easat-11297	241	44	credit	credit	NOUN
easat-11297	241	45	score	score	NOUN
easat-11297	241	46	,	,	PUNCT
easat-11297	241	47	etc	etc	X
easat-11297	241	48	.	.	X
easat-11297	242	1	it	it	PRON
easat-11297	242	2	involves	involve	VERB
easat-11297	242	3	information	information	NOUN
easat-11297	242	4	on	on	ADP
easat-11297	242	5	customer	customer	NOUN
easat-11297	242	6	credit	credit	NOUN
easat-11297	242	7	and	and	CCONJ
easat-11297	242	8	loan	loan	NOUN
easat-11297	242	9	activities	activity	NOUN
easat-11297	242	10	,	,	PUNCT
easat-11297	242	11	with	with	ADP
easat-11297	242	12	data	datum	NOUN
easat-11297	242	13	exceeding	exceed	VERB
easat-11297	242	14	100	100	NUM
easat-11297	242	15	thousand	thousand	NUM
easat-11297	242	16	cases	case	NOUN
easat-11297	242	17	.	.	PUNCT
easat-11297	243	1	the	the	DET
easat-11297	243	2	credit	credit	NOUN
easat-11297	243	3	score	score	NOUN
easat-11297	243	4	is	be	AUX
easat-11297	243	5	categorized	categorize	VERB
easat-11297	243	6	into	into	ADP
easat-11297	243	7	three	three	NUM
easat-11297	243	8	classes	class	NOUN
easat-11297	243	9	:	:	PUNCT
easat-11297	243	10	good	good	ADJ
easat-11297	243	11	,	,	PUNCT
easat-11297	243	12	poor	poor	ADJ
easat-11297	243	13	,	,	PUNCT
easat-11297	243	14	and	and	CCONJ
easat-11297	243	15	standard	standard	NOUN
easat-11297	243	16	,	,	PUNCT
easat-11297	243	17	with	with	ADP
easat-11297	243	18	the	the	DET
easat-11297	243	19	class	class	NOUN
easat-11297	243	20	having	have	VERB
easat-11297	243	21	the	the	DET
easat-11297	243	22	largest	large	ADJ
easat-11297	243	23	number	number	NOUN
easat-11297	243	24	of	of	ADP
easat-11297	243	25	samples	sample	NOUN
easat-11297	243	26	being	be	AUX
easat-11297	243	27	the	the	DET
easat-11297	243	28	standard	standard	ADJ
easat-11297	243	29	class	class	NOUN
easat-11297	243	30	.	.	PUNCT
easat-11297	244	1	4.5.1	4.5.1	X
easat-11297	244	2	.	.	PUNCT
easat-11297	244	3	key	key	ADJ
easat-11297	244	4	statistics	statistic	NOUN
easat-11297	244	5	the	the	DET
easat-11297	244	6	data	datum	NOUN
easat-11297	244	7	for	for	ADP
easat-11297	244	8	the	the	DET
easat-11297	244	9	key	key	ADJ
easat-11297	244	10	features	feature	NOUN
easat-11297	244	11	are	be	AUX
easat-11297	244	12	as	as	SCONJ
easat-11297	244	13	follows	follow	VERB
easat-11297	244	14	:	:	PUNCT
easat-11297	244	15	annual	annual	ADJ
easat-11297	244	16	income	income	NOUN
easat-11297	244	17	ranges	range	VERB
easat-11297	244	18	from	from	ADP
easat-11297	244	19	€	€	SYM
easat-11297	244	20	7,000	7,000	NUM
easat-11297	244	21	to	to	PART
easat-11297	244	22	over	over	ADP
easat-11297	244	23	€	€	SYM
easat-11297	244	24	24	24	NUM
easat-11297	244	25	million	million	NUM
easat-11297	244	26	,	,	PUNCT
easat-11297	244	27	with	with	ADP
easat-11297	244	28	a	a	DET
easat-11297	244	29	median	median	NOUN
easat-11297	244	30	of	of	ADP
easat-11297	244	31	€	€	SYM
easat-11297	244	32	37,578	37,578	NUM
easat-11297	244	33	,	,	PUNCT
easat-11297	244	34	indicating	indicate	VERB
easat-11297	244	35	a	a	DET
easat-11297	244	36	wide	wide	ADJ
easat-11297	244	37	income	income	NOUN
easat-11297	244	38	disparity	disparity	NOUN
easat-11297	244	39	across	across	ADP
easat-11297	244	40	customers	customer	NOUN
easat-11297	244	41	.	.	PUNCT
easat-11297	245	1	the	the	DET
easat-11297	245	2	number	number	NOUN
easat-11297	245	3	of	of	ADP
easat-11297	245	4	loans	loan	NOUN
easat-11297	245	5	held	hold	VERB
easat-11297	245	6	by	by	ADP
easat-11297	245	7	customers	customer	NOUN
easat-11297	245	8	varied	varied	ADJ
easat-11297	245	9	significantly	significantly	ADV
easat-11297	245	10	,	,	PUNCT
easat-11297	245	11	with	with	ADP
easat-11297	245	12	a	a	DET
easat-11297	245	13	mean	mean	NOUN
easat-11297	245	14	of	of	ADP
easat-11297	245	15	3.01	3.01	NUM
easat-11297	245	16	loans	loan	NOUN
easat-11297	245	17	,	,	PUNCT
easat-11297	245	18	although	although	SCONJ
easat-11297	245	19	some	some	DET
easat-11297	245	20	customers	customer	NOUN
easat-11297	245	21	had	have	VERB
easat-11297	245	22	over	over	ADP
easat-11297	245	23	1,400	1,400	NUM
easat-11297	245	24	loans	loan	NOUN
easat-11297	245	25	.	.	PUNCT
easat-11297	246	1	credit	credit	NOUN
easat-11297	246	2	inquiries	inquiry	NOUN
easat-11297	246	3	ranged	range	VERB
easat-11297	246	4	from	from	ADP
easat-11297	246	5	0	0	NUM
easat-11297	246	6	to	to	ADP
easat-11297	246	7	2,597	2,597	NUM
easat-11297	246	8	,	,	PUNCT
easat-11297	246	9	reflecting	reflect	VERB
easat-11297	246	10	varied	varied	ADJ
easat-11297	246	11	levels	level	NOUN
easat-11297	246	12	of	of	ADP
easat-11297	246	13	customer	customer	NOUN
easat-11297	246	14	engagement	engagement	NOUN
easat-11297	246	15	with	with	ADP
easat-11297	246	16	credit	credit	NOUN
easat-11297	246	17	institutions	institution	NOUN
easat-11297	246	18	.	.	PUNCT
easat-11297	247	1	the	the	DET
easat-11297	247	2	number	number	NOUN
easat-11297	247	3	of	of	ADP
easat-11297	247	4	delayed	delay	VERB
easat-11297	247	5	payments	payment	NOUN
easat-11297	247	6	had	have	VERB
easat-11297	247	7	an	an	DET
easat-11297	247	8	average	average	NOUN
easat-11297	247	9	of	of	ADP
easat-11297	247	10	30	30	NUM
easat-11297	247	11	,	,	PUNCT
easat-11297	247	12	with	with	ADP
easat-11297	247	13	a	a	DET
easat-11297	247	14	maximum	maximum	ADJ
easat-11297	247	15	value	value	NOUN
easat-11297	247	16	of	of	ADP
easat-11297	247	17	4,397	4,397	NUM
easat-11297	247	18	,	,	PUNCT
easat-11297	247	19	indicating	indicate	VERB
easat-11297	247	20	potential	potential	ADJ
easat-11297	247	21	credit	credit	NOUN
easat-11297	247	22	risk	risk	NOUN
easat-11297	247	23	.	.	PUNCT
easat-11297	248	1	figure	figure	NOUN
easat-11297	248	2	12	12	NUM
easat-11297	248	3	.	.	PUNCT
easat-11297	249	1	139	139	NUM
easat-11297	249	2	edelweiss	edelweiss	PROPN
easat-11297	249	3	applied	apply	VERB
easat-11297	249	4	science	science	NOUN
easat-11297	249	5	and	and	CCONJ
easat-11297	249	6	technology	technology	NOUN
easat-11297	249	7	issn	issn	PROPN
easat-11297	249	8	:	:	PUNCT
easat-11297	249	9	2576	2576	NUM
easat-11297	249	10	-	-	SYM
easat-11297	249	11	8484	8484	NUM
easat-11297	249	12	vol	vol	NOUN
easat-11297	249	13	.	.	PROPN
easat-11297	250	1	9	9	NUM
easat-11297	250	2	,	,	PUNCT
easat-11297	250	3	no	no	INTJ
easat-11297	250	4	.	.	NOUN
easat-11297	250	5	12	12	NUM
easat-11297	250	6	:	:	PUNCT
easat-11297	250	7	124	124	NUM
easat-11297	250	8	-	-	SYM
easat-11297	250	9	147	147	NUM
easat-11297	250	10	,	,	PUNCT
easat-11297	250	11	2025	2025	NUM
easat-11297	250	12	doi	doi	NOUN
easat-11297	250	13	:	:	PUNCT
easat-11297	250	14	10.55214/2576	10.55214/2576	NUM
easat-11297	250	15	-	-	SYM
easat-11297	250	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	251	1	©	©	PROPN
easat-11297	251	2	2025	2025	NUM
easat-11297	251	3	by	by	ADP
easat-11297	251	4	the	the	DET
easat-11297	251	5	authors	author	NOUN
easat-11297	251	6	;	;	PUNCT
easat-11297	251	7	licensee	licensee	PROPN
easat-11297	251	8	learning	learn	VERB
easat-11297	251	9	gate	gate	PROPN
easat-11297	251	10	figure	figure	NOUN
easat-11297	251	11	12	12	NUM
easat-11297	251	12	.	.	PUNCT
easat-11297	252	1	descriptive	descriptive	ADJ
easat-11297	252	2	statistics	statistic	NOUN
easat-11297	252	3	for	for	ADP
easat-11297	252	4	dataset	dataset	NOUN
easat-11297	252	5	3	3	NUM
easat-11297	252	6	.	.	NOUN
easat-11297	252	7	140	140	NUM
easat-11297	252	8	edelweiss	edelweiss	PROPN
easat-11297	252	9	applied	apply	VERB
easat-11297	252	10	science	science	NOUN
easat-11297	252	11	and	and	CCONJ
easat-11297	252	12	technology	technology	NOUN
easat-11297	252	13	issn	issn	PROPN
easat-11297	252	14	:	:	PUNCT
easat-11297	252	15	2576	2576	NUM
easat-11297	252	16	-	-	SYM
easat-11297	252	17	8484	8484	NUM
easat-11297	252	18	vol	vol	NOUN
easat-11297	252	19	.	.	PROPN
easat-11297	253	1	9	9	NUM
easat-11297	253	2	,	,	PUNCT
easat-11297	253	3	no	no	INTJ
easat-11297	253	4	.	.	NOUN
easat-11297	253	5	12	12	NUM
easat-11297	253	6	:	:	PUNCT
easat-11297	253	7	124	124	NUM
easat-11297	253	8	-	-	SYM
easat-11297	253	9	147	147	NUM
easat-11297	253	10	,	,	PUNCT
easat-11297	253	11	2025	2025	NUM
easat-11297	253	12	doi	doi	NOUN
easat-11297	253	13	:	:	PUNCT
easat-11297	253	14	10.55214/2576	10.55214/2576	NUM
easat-11297	253	15	-	-	SYM
easat-11297	253	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	254	1	©	©	PROPN
easat-11297	254	2	2025	2025	NUM
easat-11297	254	3	by	by	ADP
easat-11297	254	4	the	the	DET
easat-11297	254	5	authors	author	NOUN
easat-11297	254	6	;	;	PUNCT
easat-11297	254	7	licensee	licensee	PROPN
easat-11297	254	8	learning	learning	NOUN
easat-11297	254	9	gate	gate	VERB
easat-11297	254	10	the	the	DET
easat-11297	254	11	bar	bar	NOUN
easat-11297	254	12	chart	chart	NOUN
easat-11297	254	13	illustrates	illustrate	VERB
easat-11297	254	14	the	the	DET
easat-11297	254	15	distribution	distribution	NOUN
easat-11297	254	16	of	of	ADP
easat-11297	254	17	credit	credit	NOUN
easat-11297	254	18	scores	score	NOUN
easat-11297	254	19	in	in	ADP
easat-11297	254	20	dataset	dataset	NOUN
easat-11297	254	21	3	3	NUM
easat-11297	254	22	,	,	PUNCT
easat-11297	254	23	showcasing	showcase	VERB
easat-11297	254	24	three	three	NUM
easat-11297	254	25	categories	category	NOUN
easat-11297	254	26	:	:	PUNCT
easat-11297	254	27	0	0	NUM
easat-11297	254	28	(	(	PUNCT
easat-11297	254	29	good	good	ADJ
easat-11297	254	30	)	)	PUNCT
easat-11297	254	31	,	,	PUNCT
easat-11297	254	32	1	1	NUM
easat-11297	254	33	(	(	PUNCT
easat-11297	254	34	standard	standard	NOUN
easat-11297	254	35	)	)	PUNCT
easat-11297	254	36	,	,	PUNCT
easat-11297	254	37	and	and	CCONJ
easat-11297	254	38	2	2	NUM
easat-11297	254	39	(	(	PUNCT
easat-11297	254	40	poor	poor	ADJ
easat-11297	254	41	)	)	PUNCT
easat-11297	254	42	.	.	PUNCT
easat-11297	255	1	the	the	DET
easat-11297	255	2	majority	majority	NOUN
easat-11297	255	3	of	of	ADP
easat-11297	255	4	the	the	DET
easat-11297	255	5	customers	customer	NOUN
easat-11297	255	6	are	be	AUX
easat-11297	255	7	categorized	categorize	VERB
easat-11297	255	8	as	as	ADP
easat-11297	255	9	standard	standard	ADJ
easat-11297	255	10	customers	customer	NOUN
easat-11297	255	11	(	(	PUNCT
easat-11297	255	12	credit	credit	NOUN
easat-11297	255	13	score	score	NOUN
easat-11297	255	14	1	1	NUM
easat-11297	255	15	)	)	PUNCT
easat-11297	255	16	,	,	PUNCT
easat-11297	255	17	while	while	SCONJ
easat-11297	255	18	the	the	DET
easat-11297	255	19	rest	rest	NOUN
easat-11297	255	20	are	be	AUX
easat-11297	255	21	in	in	ADP
easat-11297	255	22	the	the	DET
easat-11297	255	23	good	good	ADJ
easat-11297	255	24	and	and	CCONJ
easat-11297	255	25	poor	poor	ADJ
easat-11297	255	26	categories	category	NOUN
easat-11297	255	27	.	.	PUNCT
easat-11297	256	1	this	this	DET
easat-11297	256	2	distribution	distribution	NOUN
easat-11297	256	3	indicates	indicate	VERB
easat-11297	256	4	a	a	DET
easat-11297	256	5	class	class	NOUN
easat-11297	256	6	imbalance	imbalance	NOUN
easat-11297	256	7	,	,	PUNCT
easat-11297	256	8	with	with	ADP
easat-11297	256	9	the	the	DET
easat-11297	256	10	standard	standard	ADJ
easat-11297	256	11	category	category	NOUN
easat-11297	256	12	being	be	AUX
easat-11297	256	13	dominant	dominant	ADJ
easat-11297	256	14	,	,	PUNCT
easat-11297	256	15	which	which	PRON
easat-11297	256	16	may	may	AUX
easat-11297	256	17	affect	affect	VERB
easat-11297	256	18	the	the	DET
easat-11297	256	19	performance	performance	NOUN
easat-11297	256	20	of	of	ADP
easat-11297	256	21	machine	machine	NOUN
easat-11297	256	22	learning	learn	VERB
easat-11297	256	23	algorithms	algorithm	NOUN
easat-11297	256	24	.	.	PUNCT
easat-11297	257	1	an	an	DET
easat-11297	257	2	imbalance	imbalance	NOUN
easat-11297	257	3	between	between	ADP
easat-11297	257	4	classes	class	NOUN
easat-11297	257	5	will	will	AUX
easat-11297	257	6	necessitate	necessitate	ADJ
easat-11297	257	7	methods	method	NOUN
easat-11297	257	8	such	such	ADJ
easat-11297	257	9	as	as	ADP
easat-11297	257	10	oversampling	oversample	VERB
easat-11297	257	11	or	or	CCONJ
easat-11297	257	12	boosting	boost	VERB
easat-11297	257	13	to	to	PART
easat-11297	257	14	ensure	ensure	VERB
easat-11297	257	15	that	that	SCONJ
easat-11297	257	16	all	all	DET
easat-11297	257	17	credit	credit	NOUN
easat-11297	257	18	score	score	NOUN
easat-11297	257	19	classes	class	NOUN
easat-11297	257	20	are	be	AUX
easat-11297	257	21	well	well	ADV
easat-11297	257	22	represented	represent	VERB
easat-11297	257	23	during	during	ADP
easat-11297	257	24	model	model	NOUN
easat-11297	257	25	training	training	NOUN
easat-11297	257	26	.	.	PUNCT
easat-11297	258	1	4.5.2	4.5.2	NUM
easat-11297	258	2	.	.	PUNCT
easat-11297	258	3	distribution	distribution	NOUN
easat-11297	258	4	of	of	ADP
easat-11297	258	5	credit	credit	NOUN
easat-11297	258	6	score	score	NOUN
easat-11297	258	7	the	the	DET
easat-11297	258	8	second	second	ADJ
easat-11297	258	9	bar	bar	NOUN
easat-11297	258	10	chart	chart	NOUN
easat-11297	258	11	represents	represent	VERB
easat-11297	258	12	the	the	DET
easat-11297	258	13	loan	loan	NOUN
easat-11297	258	14	portfolio	portfolio	NOUN
easat-11297	258	15	of	of	ADP
easat-11297	258	16	customers	customer	NOUN
easat-11297	258	17	segregated	segregate	VERB
easat-11297	258	18	by	by	ADP
easat-11297	258	19	credit	credit	NOUN
easat-11297	258	20	score	score	NOUN
easat-11297	258	21	figure	figure	NOUN
easat-11297	258	22	13	13	NUM
easat-11297	258	23	.	.	PUNCT
easat-11297	259	1	customers	customer	NOUN
easat-11297	259	2	with	with	ADP
easat-11297	259	3	a	a	DET
easat-11297	259	4	credit	credit	NOUN
easat-11297	259	5	score	score	NOUN
easat-11297	259	6	of	of	ADP
easat-11297	259	7	0	0	NUM
easat-11297	259	8	(	(	PUNCT
easat-11297	259	9	customers	customer	NOUN
easat-11297	259	10	with	with	ADP
easat-11297	259	11	poor	poor	ADJ
easat-11297	259	12	credit	credit	NOUN
easat-11297	259	13	scores	score	NOUN
easat-11297	259	14	)	)	PUNCT
easat-11297	259	15	take	take	VERB
easat-11297	259	16	more	more	ADJ
easat-11297	259	17	loans	loan	NOUN
easat-11297	259	18	than	than	ADP
easat-11297	259	19	customers	customer	NOUN
easat-11297	259	20	in	in	ADP
easat-11297	259	21	the	the	DET
easat-11297	259	22	standard	standard	ADJ
easat-11297	259	23	and	and	CCONJ
easat-11297	259	24	good	good	ADJ
easat-11297	259	25	categories	category	NOUN
easat-11297	259	26	.	.	PUNCT
easat-11297	260	1	this	this	DET
easat-11297	260	2	pattern	pattern	NOUN
easat-11297	260	3	indicates	indicate	VERB
easat-11297	260	4	that	that	SCONJ
easat-11297	260	5	there	there	PRON
easat-11297	260	6	is	be	VERB
easat-11297	260	7	a	a	DET
easat-11297	260	8	likelihood	likelihood	NOUN
easat-11297	260	9	that	that	SCONJ
easat-11297	260	10	people	people	NOUN
easat-11297	260	11	with	with	ADP
easat-11297	260	12	poor	poor	ADJ
easat-11297	260	13	credit	credit	NOUN
easat-11297	260	14	scores	score	NOUN
easat-11297	260	15	to	to	PART
easat-11297	260	16	have	have	AUX
easat-11297	260	17	many	many	ADJ
easat-11297	260	18	loans	loan	NOUN
easat-11297	260	19	,	,	PUNCT
easat-11297	260	20	and	and	CCONJ
easat-11297	260	21	this	this	PRON
easat-11297	260	22	may	may	AUX
easat-11297	260	23	be	be	AUX
easat-11297	260	24	the	the	DET
easat-11297	260	25	reason	reason	NOUN
easat-11297	260	26	why	why	SCONJ
easat-11297	260	27	they	they	PRON
easat-11297	260	28	will	will	AUX
easat-11297	260	29	be	be	AUX
easat-11297	260	30	performing	perform	VERB
easat-11297	260	31	poorly	poorly	ADV
easat-11297	260	32	.	.	PUNCT
easat-11297	261	1	the	the	DET
easat-11297	261	2	chart	chart	NOUN
easat-11297	261	3	also	also	ADV
easat-11297	261	4	shows	show	VERB
easat-11297	261	5	that	that	SCONJ
easat-11297	261	6	,	,	PUNCT
easat-11297	261	7	as	as	SCONJ
easat-11297	261	8	credit	credit	NOUN
easat-11297	261	9	scores	score	NOUN
easat-11297	261	10	increase	increase	VERB
easat-11297	261	11	,	,	PUNCT
easat-11297	261	12	the	the	DET
easat-11297	261	13	total	total	ADJ
easat-11297	261	14	loans	loan	NOUN
easat-11297	261	15	reduce	reduce	VERB
easat-11297	261	16	,	,	PUNCT
easat-11297	261	17	suggesting	suggest	VERB
easat-11297	261	18	that	that	SCONJ
easat-11297	261	19	higher	high	ADJ
easat-11297	261	20	credit	credit	NOUN
easat-11297	261	21	scores	score	NOUN
easat-11297	261	22	could	could	AUX
easat-11297	261	23	be	be	AUX
easat-11297	261	24	linked	link	VERB
easat-11297	261	25	to	to	ADP
easat-11297	261	26	better	well	ADJ
easat-11297	261	27	handling	handling	NOUN
easat-11297	261	28	of	of	ADP
easat-11297	261	29	credit	credit	NOUN
easat-11297	261	30	.	.	PUNCT
easat-11297	262	1	figure	figure	NOUN
easat-11297	262	2	14	14	NUM
easat-11297	262	3	.	.	PUNCT
easat-11297	263	1	figure	figure	NOUN
easat-11297	263	2	13	13	NUM
easat-11297	263	3	.	.	PUNCT
easat-11297	264	1	bar	bar	NOUN
easat-11297	264	2	chart	chart	NOUN
easat-11297	264	3	showing	show	VERB
easat-11297	264	4	the	the	DET
easat-11297	264	5	distribution	distribution	NOUN
easat-11297	264	6	of	of	ADP
easat-11297	264	7	credit	credit	NOUN
easat-11297	264	8	scores	score	NOUN
easat-11297	264	9	.	.	PUNCT
easat-11297	265	1	141	141	NUM
easat-11297	265	2	edelweiss	edelweiss	PROPN
easat-11297	265	3	applied	apply	VERB
easat-11297	265	4	science	science	NOUN
easat-11297	265	5	and	and	CCONJ
easat-11297	265	6	technology	technology	NOUN
easat-11297	265	7	issn	issn	PROPN
easat-11297	265	8	:	:	PUNCT
easat-11297	265	9	2576	2576	NUM
easat-11297	265	10	-	-	SYM
easat-11297	265	11	8484	8484	NUM
easat-11297	265	12	vol	vol	NOUN
easat-11297	265	13	.	.	PROPN
easat-11297	266	1	9	9	NUM
easat-11297	266	2	,	,	PUNCT
easat-11297	266	3	no	no	INTJ
easat-11297	266	4	.	.	NOUN
easat-11297	266	5	12	12	NUM
easat-11297	266	6	:	:	PUNCT
easat-11297	266	7	124	124	NUM
easat-11297	266	8	-	-	SYM
easat-11297	266	9	147	147	NUM
easat-11297	266	10	,	,	PUNCT
easat-11297	266	11	2025	2025	NUM
easat-11297	266	12	doi	doi	NOUN
easat-11297	266	13	:	:	PUNCT
easat-11297	266	14	10.55214/2576	10.55214/2576	NUM
easat-11297	266	15	-	-	SYM
easat-11297	266	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	267	1	©	©	PROPN
easat-11297	267	2	2025	2025	NUM
easat-11297	267	3	by	by	ADP
easat-11297	267	4	the	the	DET
easat-11297	267	5	authors	author	NOUN
easat-11297	267	6	;	;	PUNCT
easat-11297	267	7	licensee	licensee	PROPN
easat-11297	267	8	learning	learn	VERB
easat-11297	267	9	gate	gate	PROPN
easat-11297	267	10	figure	figure	NOUN
easat-11297	267	11	14	14	NUM
easat-11297	267	12	.	.	PUNCT
easat-11297	268	1	bar	bar	NOUN
easat-11297	268	2	chart	chart	NOUN
easat-11297	268	3	for	for	ADP
easat-11297	268	4	the	the	DET
easat-11297	268	5	number	number	NOUN
easat-11297	268	6	of	of	ADP
easat-11297	268	7	loans	loan	NOUN
easat-11297	268	8	by	by	ADP
easat-11297	268	9	credit	credit	NOUN
easat-11297	268	10	score	score	NOUN
easat-11297	268	11	.	.	PUNCT
easat-11297	269	1	4.6	4.6	NUM
easat-11297	269	2	.	.	PUNCT
easat-11297	269	3	model	model	NOUN
easat-11297	269	4	performance	performance	NOUN
easat-11297	269	5	on	on	ADP
easat-11297	269	6	dataset	dataset	PROPN
easat-11297	269	7	3	3	NUM
easat-11297	269	8	the	the	DET
easat-11297	269	9	performance	performance	NOUN
easat-11297	269	10	of	of	ADP
easat-11297	269	11	three	three	NUM
easat-11297	269	12	ensemble	ensemble	ADJ
easat-11297	269	13	learning	learning	NOUN
easat-11297	269	14	models	model	NOUN
easat-11297	269	15	,	,	PUNCT
easat-11297	269	16	stacking	stacking	NOUN
easat-11297	269	17	,	,	PUNCT
easat-11297	269	18	bagging	bagging	NOUN
easat-11297	269	19	,	,	PUNCT
easat-11297	269	20	and	and	CCONJ
easat-11297	269	21	boosting	boost	VERB
easat-11297	269	22	,	,	PUNCT
easat-11297	269	23	was	be	AUX
easat-11297	269	24	evaluated	evaluate	VERB
easat-11297	269	25	on	on	ADP
easat-11297	269	26	dataset	dataset	NOUN
easat-11297	269	27	3	3	NUM
easat-11297	269	28	to	to	PART
easat-11297	269	29	predict	predict	VERB
easat-11297	269	30	credit	credit	NOUN
easat-11297	269	31	scores	score	NOUN
easat-11297	269	32	across	across	ADP
easat-11297	269	33	three	three	NUM
easat-11297	269	34	categories	category	NOUN
easat-11297	269	35	:	:	PUNCT
easat-11297	269	36	low	low	ADJ
easat-11297	269	37	,	,	PUNCT
easat-11297	269	38	medium	medium	ADJ
easat-11297	269	39	,	,	PUNCT
easat-11297	269	40	and	and	CCONJ
easat-11297	269	41	high	high	ADJ
easat-11297	269	42	.	.	PUNCT
easat-11297	270	1	the	the	DET
easat-11297	270	2	stacking	stacking	NOUN
easat-11297	270	3	model	model	NOUN
easat-11297	270	4	combines	combine	VERB
easat-11297	270	5	random	random	ADJ
easat-11297	270	6	forest	forest	NOUN
easat-11297	270	7	and	and	CCONJ
easat-11297	270	8	k	k	NOUN
easat-11297	270	9	-	-	PUNCT
easat-11297	270	10	nearest	near	ADJ
easat-11297	270	11	neighbors	neighbor	NOUN
easat-11297	270	12	(	(	PUNCT
easat-11297	270	13	knn	knn	PROPN
easat-11297	270	14	)	)	PUNCT
easat-11297	270	15	as	as	ADP
easat-11297	270	16	base	base	NOUN
easat-11297	270	17	models	model	NOUN
easat-11297	270	18	,	,	PUNCT
easat-11297	270	19	with	with	ADP
easat-11297	270	20	logistic	logistic	ADJ
easat-11297	270	21	regression	regression	NOUN
easat-11297	270	22	as	as	ADP
easat-11297	270	23	the	the	DET
easat-11297	270	24	meta	meta	NOUN
easat-11297	270	25	-	-	PUNCT
easat-11297	270	26	model	model	NOUN
easat-11297	270	27	.	.	PUNCT
easat-11297	271	1	the	the	DET
easat-11297	271	2	overall	overall	ADJ
easat-11297	271	3	accuracy	accuracy	NOUN
easat-11297	271	4	achieved	achieve	VERB
easat-11297	271	5	by	by	ADP
easat-11297	271	6	the	the	DET
easat-11297	271	7	stacking	stacking	NOUN
easat-11297	271	8	model	model	NOUN
easat-11297	271	9	was	be	AUX
easat-11297	271	10	78	78	NUM
easat-11297	271	11	%	%	NOUN
easat-11297	271	12	.	.	PUNCT
easat-11297	272	1	the	the	DET
easat-11297	272	2	classification	classification	NOUN
easat-11297	272	3	report	report	NOUN
easat-11297	272	4	and	and	CCONJ
easat-11297	272	5	confusion	confusion	NOUN
easat-11297	272	6	matrix	matrix	NOUN
easat-11297	272	7	show	show	VERB
easat-11297	272	8	relatively	relatively	ADV
easat-11297	272	9	balanced	balanced	ADJ
easat-11297	272	10	performance	performance	NOUN
easat-11297	272	11	across	across	ADP
easat-11297	272	12	the	the	DET
easat-11297	272	13	three	three	NUM
easat-11297	272	14	credit	credit	NOUN
easat-11297	272	15	score	score	NOUN
easat-11297	272	16	categories	category	NOUN
easat-11297	272	17	.	.	PUNCT
easat-11297	273	1	table	table	NOUN
easat-11297	273	2	7	7	NUM
easat-11297	273	3	.	.	PUNCT
easat-11297	273	4	evaluation	evaluation	NOUN
easat-11297	273	5	of	of	ADP
easat-11297	273	6	stacking	stack	VERB
easat-11297	273	7	model	model	NOUN
easat-11297	273	8	(	(	PUNCT
easat-11297	273	9	dataset-3	dataset-3	NOUN
easat-11297	273	10	)	)	PUNCT
easat-11297	273	11	.	.	PUNCT
easat-11297	274	1	precision	precision	NOUN
easat-11297	274	2	recall	recall	VERB
easat-11297	274	3	f1	f1	NOUN
easat-11297	274	4	-	-	PUNCT
easat-11297	274	5	score	score	NOUN
easat-11297	274	6	support	support	NOUN
easat-11297	274	7	low	low	ADJ
easat-11297	274	8	0.78	0.78	NUM
easat-11297	274	9	%	%	NOUN
easat-11297	274	10	0.79	0.79	NUM
easat-11297	274	11	%	%	NOUN
easat-11297	274	12	0.79	0.79	NUM
easat-11297	274	13	%	%	NOUN
easat-11297	274	14	5874	5874	NUM
easat-11297	274	15	%	%	NOUN
easat-11297	274	16	medium	medium	NOUN
easat-11297	274	17	0.80	0.80	NUM
easat-11297	274	18	%	%	NOUN
easat-11297	274	19	0.81	0.81	NUM
easat-11297	274	20	%	%	NOUN
easat-11297	274	21	0.80	0.80	NUM
easat-11297	274	22	%	%	NOUN
easat-11297	274	23	10599	10599	NUM
easat-11297	274	24	%	%	NOUN
easat-11297	274	25	high	high	ADJ
easat-11297	274	26	0.73	0.73	NUM
easat-11297	274	27	%	%	NOUN
easat-11297	274	28	0.70	0.70	NUM
easat-11297	274	29	%	%	NOUN
easat-11297	274	30	0.72	0.72	NUM
easat-11297	274	31	%	%	NOUN
easat-11297	274	32	3527	3527	NUM
easat-11297	274	33	%	%	NOUN
easat-11297	274	34	accuracy	accuracy	NOUN
easat-11297	274	35	0.78	0.78	NUM
easat-11297	274	36	%	%	NOUN
easat-11297	274	37	20000	20000	NUM
easat-11297	274	38	%	%	NOUN
easat-11297	274	39	macro	macro	ADJ
easat-11297	274	40	avg	avg	NOUN
easat-11297	274	41	0.77	0.77	NUM
easat-11297	274	42	%	%	NOUN
easat-11297	274	43	0.77	0.77	NUM
easat-11297	274	44	%	%	NOUN
easat-11297	274	45	0.77	0.77	NUM
easat-11297	274	46	%	%	NOUN
easat-11297	274	47	20000	20000	NUM
easat-11297	274	48	%	%	NOUN
easat-11297	274	49	weighted	weight	VERB
easat-11297	274	50	avg	avg	NOUN
easat-11297	274	51	0.78	0.78	NUM
easat-11297	274	52	%	%	NOUN
easat-11297	274	53	0.78	0.78	NUM
easat-11297	274	54	%	%	NOUN
easat-11297	274	55	0.78	0.78	NUM
easat-11297	274	56	%	%	NOUN
easat-11297	274	57	20000	20000	NUM
easat-11297	274	58	%	%	NOUN
easat-11297	274	59	the	the	DET
easat-11297	274	60	performance	performance	NOUN
easat-11297	274	61	metrics	metric	NOUN
easat-11297	274	62	for	for	ADP
easat-11297	274	63	the	the	DET
easat-11297	274	64	credit	credit	NOUN
easat-11297	274	65	score	score	NOUN
easat-11297	274	66	categories	category	NOUN
easat-11297	274	67	are	be	AUX
easat-11297	274	68	as	as	SCONJ
easat-11297	274	69	follows	follow	VERB
easat-11297	274	70	:	:	PUNCT
easat-11297	274	71	for	for	ADP
easat-11297	274	72	low	low	ADJ
easat-11297	274	73	credit	credit	NOUN
easat-11297	274	74	score	score	NOUN
easat-11297	274	75	,	,	PUNCT
easat-11297	274	76	precision	precision	NOUN
easat-11297	274	77	is	be	AUX
easat-11297	274	78	0.78	0.78	NUM
easat-11297	274	79	,	,	PUNCT
easat-11297	274	80	recall	recall	NOUN
easat-11297	274	81	is	be	AUX
easat-11297	274	82	0.79	0.79	NUM
easat-11297	274	83	,	,	PUNCT
easat-11297	274	84	and	and	CCONJ
easat-11297	274	85	the	the	DET
easat-11297	274	86	f1	f1	NOUN
easat-11297	274	87	-	-	PUNCT
easat-11297	274	88	score	score	NOUN
easat-11297	274	89	is	be	AUX
easat-11297	274	90	0.79	0.79	NUM
easat-11297	274	91	.	.	PUNCT
easat-11297	275	1	for	for	ADP
easat-11297	275	2	a	a	DET
easat-11297	275	3	medium	medium	ADJ
easat-11297	275	4	credit	credit	NOUN
easat-11297	275	5	score	score	NOUN
easat-11297	275	6	,	,	PUNCT
easat-11297	275	7	precision	precision	NOUN
easat-11297	275	8	is	be	AUX
easat-11297	275	9	0.80	0.80	NUM
easat-11297	275	10	,	,	PUNCT
easat-11297	275	11	recall	recall	NOUN
easat-11297	275	12	is	be	AUX
easat-11297	275	13	0.81	0.81	NUM
easat-11297	275	14	,	,	PUNCT
easat-11297	275	15	and	and	CCONJ
easat-11297	275	16	the	the	DET
easat-11297	275	17	f1	f1	NOUN
easat-11297	275	18	-	-	PUNCT
easat-11297	275	19	score	score	NOUN
easat-11297	275	20	is	be	AUX
easat-11297	275	21	0.80	0.80	NUM
easat-11297	275	22	.	.	PUNCT
easat-11297	276	1	for	for	ADP
easat-11297	276	2	a	a	DET
easat-11297	276	3	high	high	ADJ
easat-11297	276	4	credit	credit	NOUN
easat-11297	276	5	score	score	NOUN
easat-11297	276	6	,	,	PUNCT
easat-11297	276	7	precision	precision	NOUN
easat-11297	276	8	is	be	AUX
easat-11297	276	9	0.73	0.73	NUM
easat-11297	276	10	,	,	PUNCT
easat-11297	276	11	recall	recall	NOUN
easat-11297	276	12	is	be	AUX
easat-11297	276	13	0.70	0.70	NUM
easat-11297	276	14	,	,	PUNCT
easat-11297	276	15	and	and	CCONJ
easat-11297	276	16	the	the	DET
easat-11297	276	17	f1	f1	NOUN
easat-11297	276	18	-	-	PUNCT
easat-11297	276	19	score	score	NOUN
easat-11297	276	20	is	be	AUX
easat-11297	276	21	0.72	0.72	NUM
easat-11297	276	22	,	,	PUNCT
easat-11297	276	23	indicating	indicate	VERB
easat-11297	276	24	slightly	slightly	ADV
easat-11297	276	25	lower	low	ADJ
easat-11297	276	26	performance	performance	NOUN
easat-11297	276	27	compared	compare	VERB
easat-11297	276	28	to	to	ADP
easat-11297	276	29	the	the	DET
easat-11297	276	30	other	other	ADJ
easat-11297	276	31	categories	category	NOUN
easat-11297	276	32	.	.	PUNCT
easat-11297	277	1	table	table	NOUN
easat-11297	277	2	7	7	NUM
easat-11297	277	3	.	.	NUM
easat-11297	277	4	142	142	NUM
easat-11297	277	5	edelweiss	edelweiss	PROPN
easat-11297	277	6	applied	apply	VERB
easat-11297	277	7	science	science	NOUN
easat-11297	277	8	and	and	CCONJ
easat-11297	277	9	technology	technology	NOUN
easat-11297	277	10	issn	issn	PROPN
easat-11297	277	11	:	:	PUNCT
easat-11297	277	12	2576	2576	NUM
easat-11297	277	13	-	-	SYM
easat-11297	277	14	8484	8484	NUM
easat-11297	277	15	vol	vol	NOUN
easat-11297	277	16	.	.	PROPN
easat-11297	278	1	9	9	NUM
easat-11297	278	2	,	,	PUNCT
easat-11297	278	3	no	no	INTJ
easat-11297	278	4	.	.	NOUN
easat-11297	278	5	12	12	NUM
easat-11297	278	6	:	:	PUNCT
easat-11297	278	7	124	124	NUM
easat-11297	278	8	-	-	SYM
easat-11297	278	9	147	147	NUM
easat-11297	278	10	,	,	PUNCT
easat-11297	278	11	2025	2025	NUM
easat-11297	278	12	doi	doi	NOUN
easat-11297	278	13	:	:	PUNCT
easat-11297	278	14	10.55214/2576	10.55214/2576	NUM
easat-11297	278	15	-	-	SYM
easat-11297	278	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	279	1	©	©	PROPN
easat-11297	279	2	2025	2025	NUM
easat-11297	279	3	by	by	ADP
easat-11297	279	4	the	the	DET
easat-11297	279	5	authors	author	NOUN
easat-11297	279	6	;	;	PUNCT
easat-11297	279	7	licensee	licensee	PROPN
easat-11297	279	8	learning	learn	VERB
easat-11297	279	9	gate	gate	PROPN
easat-11297	279	10	figure	figure	NOUN
easat-11297	279	11	15	15	NUM
easat-11297	279	12	.	.	PUNCT
easat-11297	280	1	confusion	confusion	NOUN
easat-11297	280	2	matrix	matrix	NOUN
easat-11297	280	3	for	for	ADP
easat-11297	280	4	stacking	stack	VERB
easat-11297	280	5	model	model	NOUN
easat-11297	280	6	(	(	PUNCT
easat-11297	280	7	dataset-3	dataset-3	NOUN
easat-11297	280	8	)	)	PUNCT
easat-11297	280	9	.	.	PUNCT
easat-11297	281	1	the	the	DET
easat-11297	281	2	confusion	confusion	NOUN
easat-11297	281	3	matrix	matrix	NOUN
easat-11297	281	4	reveals	reveal	VERB
easat-11297	281	5	that	that	SCONJ
easat-11297	281	6	the	the	DET
easat-11297	281	7	stacking	stack	VERB
easat-11297	281	8	model	model	NOUN
easat-11297	281	9	performed	perform	VERB
easat-11297	281	10	well	well	ADV
easat-11297	281	11	in	in	ADP
easat-11297	281	12	classifying	classify	VERB
easat-11297	281	13	low	low	ADJ
easat-11297	281	14	and	and	CCONJ
easat-11297	281	15	medium	medium	ADJ
easat-11297	281	16	credit	credit	NOUN
easat-11297	281	17	scores	score	NOUN
easat-11297	281	18	,	,	PUNCT
easat-11297	281	19	while	while	SCONJ
easat-11297	281	20	there	there	PRON
easat-11297	281	21	were	be	VERB
easat-11297	281	22	more	more	ADJ
easat-11297	281	23	misclassifications	misclassification	NOUN
easat-11297	281	24	between	between	ADP
easat-11297	281	25	medium	medium	ADJ
easat-11297	281	26	and	and	CCONJ
easat-11297	281	27	high	high	ADJ
easat-11297	281	28	categories	category	NOUN
easat-11297	281	29	.	.	PUNCT
easat-11297	282	1	there	there	PRON
easat-11297	282	2	was	be	VERB
easat-11297	282	3	a	a	DET
easat-11297	282	4	balanced	balanced	ADJ
easat-11297	282	5	performance	performance	NOUN
easat-11297	282	6	seen	see	VERB
easat-11297	282	7	by	by	ADP
easat-11297	282	8	the	the	DET
easat-11297	282	9	stacking	stacking	NOUN
easat-11297	282	10	model	model	NOUN
easat-11297	282	11	,	,	PUNCT
easat-11297	282	12	as	as	SCONJ
easat-11297	282	13	shown	show	VERB
easat-11297	282	14	in	in	ADP
easat-11297	282	15	figure	figure	NOUN
easat-11297	282	16	15	15	NUM
easat-11297	282	17	.	.	PUNCT
easat-11297	283	1	the	the	DET
easat-11297	283	2	bagging	bagging	NOUN
easat-11297	283	3	classifier	classifier	NOUN
easat-11297	283	4	with	with	ADP
easat-11297	283	5	decision	decision	NOUN
easat-11297	283	6	trees	tree	NOUN
easat-11297	283	7	as	as	ADP
easat-11297	283	8	base	base	NOUN
easat-11297	283	9	learners	learner	NOUN
easat-11297	283	10	had	have	VERB
easat-11297	283	11	an	an	DET
easat-11297	283	12	accuracy	accuracy	NOUN
easat-11297	283	13	of	of	ADP
easat-11297	283	14	about	about	ADV
easat-11297	283	15	76	76	NUM
easat-11297	283	16	%	%	NOUN
easat-11297	283	17	.	.	PUNCT
easat-11297	284	1	the	the	DET
easat-11297	284	2	ability	ability	NOUN
easat-11297	284	3	to	to	PART
easat-11297	284	4	combine	combine	VERB
easat-11297	284	5	the	the	DET
easat-11297	284	6	forecasts	forecast	NOUN
easat-11297	284	7	from	from	ADP
easat-11297	284	8	a	a	DET
easat-11297	284	9	set	set	NOUN
easat-11297	284	10	of	of	ADP
easat-11297	284	11	decision	decision	NOUN
easat-11297	284	12	trees	tree	NOUN
easat-11297	284	13	and	and	CCONJ
easat-11297	284	14	thereby	thereby	ADV
easat-11297	284	15	achieve	achieve	VERB
easat-11297	284	16	higher	high	ADJ
easat-11297	284	17	stability	stability	NOUN
easat-11297	284	18	speaks	speak	VERB
easat-11297	284	19	to	to	ADP
easat-11297	284	20	the	the	DET
easat-11297	284	21	effectiveness	effectiveness	NOUN
easat-11297	284	22	of	of	ADP
easat-11297	284	23	the	the	DET
easat-11297	284	24	bagging	bagging	NOUN
easat-11297	284	25	method	method	NOUN
easat-11297	284	26	for	for	ADP
easat-11297	284	27	the	the	DET
easat-11297	284	28	low	low	ADJ
easat-11297	284	29	and	and	CCONJ
easat-11297	284	30	medium	medium	ADJ
easat-11297	284	31	credit	credit	NOUN
easat-11297	284	32	scores	score	NOUN
easat-11297	284	33	.	.	PUNCT
easat-11297	285	1	table	table	NOUN
easat-11297	285	2	8	8	NUM
easat-11297	285	3	.	.	PUNCT
easat-11297	286	1	evaluation	evaluation	NOUN
easat-11297	286	2	of	of	ADP
easat-11297	286	3	the	the	DET
easat-11297	286	4	bagging	bagging	NOUN
easat-11297	286	5	model	model	NOUN
easat-11297	286	6	(	(	PUNCT
easat-11297	286	7	dataset-3	dataset-3	NOUN
easat-11297	286	8	)	)	PUNCT
easat-11297	286	9	.	.	PUNCT
easat-11297	287	1	precision	precision	NOUN
easat-11297	287	2	recall	recall	VERB
easat-11297	287	3	f1	f1	NOUN
easat-11297	287	4	-	-	PUNCT
easat-11297	287	5	score	score	NOUN
easat-11297	287	6	support	support	NOUN
easat-11297	287	7	low	low	ADJ
easat-11297	287	8	0.75	0.75	NUM
easat-11297	287	9	%	%	NOUN
easat-11297	287	10	0.79	0.79	NUM
easat-11297	287	11	%	%	NOUN
easat-11297	287	12	0.77	0.77	NUM
easat-11297	287	13	%	%	NOUN
easat-11297	287	14	5874	5874	NUM
easat-11297	287	15	%	%	NOUN
easat-11297	287	16	medium	medium	NOUN
easat-11297	287	17	0.78	0.78	NUM
easat-11297	287	18	%	%	NOUN
easat-11297	287	19	0.79	0.79	NUM
easat-11297	287	20	%	%	NOUN
easat-11297	287	21	0.78	0.78	NUM
easat-11297	287	22	%	%	NOUN
easat-11297	287	23	10599	10599	NUM
easat-11297	287	24	%	%	NOUN
easat-11297	287	25	high	high	ADJ
easat-11297	287	26	0.71	0.71	NUM
easat-11297	287	27	%	%	NOUN
easat-11297	287	28	0.63	0.63	NUM
easat-11297	287	29	%	%	NOUN
easat-11297	287	30	0.67	0.67	NUM
easat-11297	287	31	%	%	NOUN
easat-11297	287	32	3527	3527	NUM
easat-11297	287	33	%	%	NOUN
easat-11297	287	34	accuracy	accuracy	NOUN
easat-11297	287	35	0.76	0.76	NUM
easat-11297	287	36	%	%	NOUN
easat-11297	287	37	20000	20000	NUM
easat-11297	287	38	%	%	NOUN
easat-11297	287	39	macro	macro	ADJ
easat-11297	287	40	avg	avg	NOUN
easat-11297	287	41	0.75	0.75	NUM
easat-11297	287	42	%	%	NOUN
easat-11297	287	43	0.73	0.73	NUM
easat-11297	287	44	%	%	NOUN
easat-11297	287	45	0.74	0.74	NUM
easat-11297	287	46	%	%	NOUN
easat-11297	287	47	20000	20000	NUM
easat-11297	287	48	%	%	NOUN
easat-11297	287	49	weighted	weight	VERB
easat-11297	287	50	avg	avg	NOUN
easat-11297	287	51	0.76	0.76	NUM
easat-11297	287	52	%	%	NOUN
easat-11297	287	53	0.76	0.76	NUM
easat-11297	287	54	%	%	NOUN
easat-11297	287	55	0.76	0.76	NUM
easat-11297	287	56	%	%	NOUN
easat-11297	287	57	20000	20000	NUM
easat-11297	287	58	%	%	NOUN
easat-11297	287	59	the	the	DET
easat-11297	287	60	performance	performance	NOUN
easat-11297	287	61	metrics	metric	NOUN
easat-11297	287	62	for	for	ADP
easat-11297	287	63	the	the	DET
easat-11297	287	64	credit	credit	NOUN
easat-11297	287	65	score	score	NOUN
easat-11297	287	66	categories	category	NOUN
easat-11297	287	67	are	be	AUX
easat-11297	287	68	as	as	SCONJ
easat-11297	287	69	follows	follow	VERB
easat-11297	287	70	:	:	PUNCT
easat-11297	287	71	for	for	ADP
easat-11297	287	72	low	low	ADJ
easat-11297	287	73	credit	credit	NOUN
easat-11297	287	74	score	score	NOUN
easat-11297	287	75	,	,	PUNCT
easat-11297	287	76	precision	precision	NOUN
easat-11297	287	77	is	be	AUX
easat-11297	287	78	0.75	0.75	NUM
easat-11297	287	79	,	,	PUNCT
easat-11297	287	80	recall	recall	NOUN
easat-11297	287	81	is	be	AUX
easat-11297	287	82	0.79	0.79	NUM
easat-11297	287	83	,	,	PUNCT
easat-11297	287	84	and	and	CCONJ
easat-11297	287	85	the	the	DET
easat-11297	287	86	f1	f1	NOUN
easat-11297	287	87	-	-	PUNCT
easat-11297	287	88	score	score	NOUN
easat-11297	287	89	is	be	AUX
easat-11297	287	90	0.77	0.77	NUM
easat-11297	287	91	.	.	PUNCT
easat-11297	288	1	for	for	ADP
easat-11297	288	2	a	a	DET
easat-11297	288	3	medium	medium	ADJ
easat-11297	288	4	credit	credit	NOUN
easat-11297	288	5	score	score	NOUN
easat-11297	288	6	,	,	PUNCT
easat-11297	288	7	precision	precision	NOUN
easat-11297	288	8	is	be	AUX
easat-11297	288	9	0.78	0.78	NUM
easat-11297	288	10	,	,	PUNCT
easat-11297	288	11	recall	recall	NOUN
easat-11297	288	12	is	be	AUX
easat-11297	288	13	0.79	0.79	NUM
easat-11297	288	14	,	,	PUNCT
easat-11297	288	15	and	and	CCONJ
easat-11297	288	16	the	the	DET
easat-11297	288	17	f1	f1	NOUN
easat-11297	288	18	-	-	PUNCT
easat-11297	288	19	score	score	NOUN
easat-11297	288	20	is	be	AUX
easat-11297	288	21	0.78	0.78	NUM
easat-11297	288	22	.	.	PUNCT
easat-11297	289	1	for	for	ADP
easat-11297	289	2	a	a	DET
easat-11297	289	3	high	high	ADJ
easat-11297	289	4	credit	credit	NOUN
easat-11297	289	5	score	score	NOUN
easat-11297	289	6	,	,	PUNCT
easat-11297	289	7	precision	precision	NOUN
easat-11297	289	8	is	be	AUX
easat-11297	289	9	0.71	0.71	NUM
easat-11297	289	10	,	,	PUNCT
easat-11297	289	11	recall	recall	NOUN
easat-11297	289	12	is	be	AUX
easat-11297	289	13	0.63	0.63	NUM
easat-11297	289	14	,	,	PUNCT
easat-11297	289	15	and	and	CCONJ
easat-11297	289	16	the	the	DET
easat-11297	289	17	f1	f1	NOUN
easat-11297	289	18	-	-	PUNCT
easat-11297	289	19	score	score	NOUN
easat-11297	289	20	is	be	AUX
easat-11297	289	21	0.67	0.67	NUM
easat-11297	289	22	,	,	PUNCT
easat-11297	289	23	indicating	indicate	VERB
easat-11297	289	24	lower	low	ADJ
easat-11297	289	25	performance	performance	NOUN
easat-11297	289	26	in	in	ADP
easat-11297	289	27	the	the	DET
easat-11297	289	28	high	high	ADJ
easat-11297	289	29	credit	credit	NOUN
easat-11297	289	30	score	score	NOUN
easat-11297	289	31	category	category	NOUN
easat-11297	289	32	,	,	PUNCT
easat-11297	289	33	table	table	NOUN
easat-11297	289	34	8	8	NUM
easat-11297	289	35	.	.	X
easat-11297	290	1	143	143	NUM
easat-11297	290	2	edelweiss	edelweiss	PROPN
easat-11297	290	3	applied	apply	VERB
easat-11297	290	4	science	science	NOUN
easat-11297	290	5	and	and	CCONJ
easat-11297	290	6	technology	technology	NOUN
easat-11297	290	7	issn	issn	PROPN
easat-11297	290	8	:	:	PUNCT
easat-11297	290	9	2576	2576	NUM
easat-11297	290	10	-	-	SYM
easat-11297	290	11	8484	8484	NUM
easat-11297	290	12	vol	vol	NOUN
easat-11297	290	13	.	.	PROPN
easat-11297	291	1	9	9	NUM
easat-11297	291	2	,	,	PUNCT
easat-11297	291	3	no	no	INTJ
easat-11297	291	4	.	.	NOUN
easat-11297	291	5	12	12	NUM
easat-11297	291	6	:	:	PUNCT
easat-11297	291	7	124	124	NUM
easat-11297	291	8	-	-	SYM
easat-11297	291	9	147	147	NUM
easat-11297	291	10	,	,	PUNCT
easat-11297	291	11	2025	2025	NUM
easat-11297	291	12	doi	doi	NOUN
easat-11297	291	13	:	:	PUNCT
easat-11297	291	14	10.55214/2576	10.55214/2576	NUM
easat-11297	291	15	-	-	SYM
easat-11297	291	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	292	1	©	©	PROPN
easat-11297	292	2	2025	2025	NUM
easat-11297	292	3	by	by	ADP
easat-11297	292	4	the	the	DET
easat-11297	292	5	authors	author	NOUN
easat-11297	292	6	;	;	PUNCT
easat-11297	292	7	licensee	licensee	PROPN
easat-11297	292	8	learning	learn	VERB
easat-11297	292	9	gate	gate	PROPN
easat-11297	292	10	figure	figure	NOUN
easat-11297	292	11	16	16	NUM
easat-11297	292	12	.	.	PUNCT
easat-11297	293	1	confusion	confusion	NOUN
easat-11297	293	2	matrix	matrix	NOUN
easat-11297	293	3	for	for	ADP
easat-11297	293	4	bagging	bagging	NOUN
easat-11297	293	5	model	model	NOUN
easat-11297	293	6	(	(	PUNCT
easat-11297	293	7	dataset-3	dataset-3	NOUN
easat-11297	293	8	)	)	PUNCT
easat-11297	293	9	.	.	PUNCT
easat-11297	294	1	from	from	ADP
easat-11297	294	2	the	the	DET
easat-11297	294	3	above	above	ADJ
easat-11297	294	4	confusion	confusion	NOUN
easat-11297	294	5	matrix	matrix	NOUN
easat-11297	294	6	,	,	PUNCT
easat-11297	294	7	it	it	PRON
easat-11297	294	8	is	be	AUX
easat-11297	294	9	evident	evident	ADJ
easat-11297	294	10	that	that	SCONJ
easat-11297	294	11	the	the	DET
easat-11297	294	12	category	category	NOUN
easat-11297	294	13	that	that	PRON
easat-11297	294	14	posed	pose	VERB
easat-11297	294	15	a	a	DET
easat-11297	294	16	high	high	ADJ
easat-11297	294	17	challenge	challenge	NOUN
easat-11297	294	18	to	to	ADP
easat-11297	294	19	the	the	DET
easat-11297	294	20	bagging	bagging	NOUN
easat-11297	294	21	model	model	NOUN
easat-11297	294	22	was	be	AUX
easat-11297	294	23	the	the	DET
easat-11297	294	24	high	high	ADJ
easat-11297	294	25	credit	credit	NOUN
easat-11297	294	26	score	score	NOUN
easat-11297	294	27	,	,	PUNCT
easat-11297	294	28	whereby	whereby	SCONJ
easat-11297	294	29	several	several	ADJ
easat-11297	294	30	instances	instance	NOUN
easat-11297	294	31	were	be	AUX
easat-11297	294	32	classified	classify	VERB
easat-11297	294	33	as	as	ADP
easat-11297	294	34	medium	medium	ADJ
easat-11297	294	35	.	.	PUNCT
easat-11297	295	1	however	however	ADV
easat-11297	295	2	,	,	PUNCT
easat-11297	295	3	for	for	ADP
easat-11297	295	4	low	low	ADJ
easat-11297	295	5	and	and	CCONJ
easat-11297	295	6	medium	medium	ADJ
easat-11297	295	7	credit	credit	NOUN
easat-11297	295	8	scores	score	NOUN
easat-11297	295	9	,	,	PUNCT
easat-11297	295	10	the	the	DET
easat-11297	295	11	bagging	bagging	NOUN
easat-11297	295	12	model	model	NOUN
easat-11297	295	13	performed	perform	VERB
easat-11297	295	14	consistently	consistently	ADV
easat-11297	295	15	and	and	CCONJ
easat-11297	295	16	is	be	AUX
easat-11297	295	17	hence	hence	ADV
easat-11297	295	18	considered	consider	VERB
easat-11297	295	19	a	a	DET
easat-11297	295	20	good	good	ADJ
easat-11297	295	21	model	model	NOUN
easat-11297	295	22	for	for	ADP
easat-11297	295	23	such	such	ADJ
easat-11297	295	24	scores	score	NOUN
easat-11297	295	25	16	16	NUM
easat-11297	295	26	.	.	PUNCT
easat-11297	296	1	the	the	DET
easat-11297	296	2	boosting	boost	VERB
easat-11297	296	3	model	model	NOUN
easat-11297	296	4	's	's	PART
easat-11297	296	5	lowest	low	ADJ
easat-11297	296	6	accuracy	accuracy	NOUN
easat-11297	296	7	was	be	AUX
easat-11297	296	8	scored	score	VERB
easat-11297	296	9	by	by	ADP
easat-11297	296	10	the	the	DET
easat-11297	296	11	adaboost	adaboost	ADJ
easat-11297	296	12	model	model	NOUN
easat-11297	296	13	,	,	PUNCT
easat-11297	296	14	which	which	PRON
easat-11297	296	15	employs	employ	VERB
easat-11297	296	16	decision	decision	NOUN
easat-11297	296	17	trees	tree	NOUN
easat-11297	296	18	as	as	ADP
easat-11297	296	19	weak	weak	ADJ
easat-11297	296	20	learners	learner	NOUN
easat-11297	296	21	,	,	PUNCT
easat-11297	296	22	with	with	ADP
easat-11297	296	23	an	an	DET
easat-11297	296	24	overall	overall	ADJ
easat-11297	296	25	accuracy	accuracy	NOUN
easat-11297	296	26	of	of	ADP
easat-11297	296	27	a	a	DET
easat-11297	296	28	mere	mere	ADJ
easat-11297	296	29	69	69	NUM
easat-11297	296	30	%	%	NOUN
easat-11297	296	31	.	.	PUNCT
easat-11297	297	1	boosting	boost	VERB
easat-11297	297	2	works	work	NOUN
easat-11297	297	3	by	by	ADP
easat-11297	297	4	trying	try	VERB
easat-11297	297	5	to	to	PART
easat-11297	297	6	augment	augment	VERB
easat-11297	297	7	performance	performance	NOUN
easat-11297	297	8	by	by	ADP
easat-11297	297	9	gradually	gradually	ADV
easat-11297	297	10	altering	alter	VERB
easat-11297	297	11	the	the	DET
easat-11297	297	12	weights	weight	NOUN
easat-11297	297	13	of	of	ADP
easat-11297	297	14	misclassified	misclassifie	VERB
easat-11297	297	15	instances	instance	NOUN
easat-11297	297	16	;	;	PUNCT
easat-11297	297	17	thus	thus	ADV
easat-11297	297	18	,	,	PUNCT
easat-11297	297	19	it	it	PRON
easat-11297	297	20	serves	serve	VERB
easat-11297	297	21	well	well	ADV
easat-11297	297	22	when	when	SCONJ
easat-11297	297	23	dealing	deal	VERB
easat-11297	297	24	with	with	ADP
easat-11297	297	25	imbalances	imbalance	NOUN
easat-11297	297	26	.	.	PUNCT
easat-11297	298	1	table	table	NOUN
easat-11297	298	2	9	9	NUM
easat-11297	298	3	.	.	PUNCT
easat-11297	298	4	evaluation	evaluation	NOUN
easat-11297	298	5	of	of	ADP
easat-11297	298	6	the	the	DET
easat-11297	298	7	boosting	boost	VERB
easat-11297	298	8	model	model	NOUN
easat-11297	298	9	(	(	PUNCT
easat-11297	298	10	dataset-3	dataset-3	NOUN
easat-11297	298	11	)	)	PUNCT
easat-11297	298	12	.	.	PUNCT
easat-11297	299	1	precision	precision	NOUN
easat-11297	299	2	recall	recall	VERB
easat-11297	299	3	f1	f1	NOUN
easat-11297	299	4	-	-	PUNCT
easat-11297	299	5	score	score	NOUN
easat-11297	299	6	support	support	NOUN
easat-11297	299	7	low	low	ADJ
easat-11297	299	8	0.69	0.69	NUM
easat-11297	299	9	%	%	NOUN
easat-11297	299	10	0.67	0.67	NUM
easat-11297	299	11	%	%	NOUN
easat-11297	299	12	0.68	0.68	NUM
easat-11297	299	13	%	%	NOUN
easat-11297	299	14	5874	5874	NUM
easat-11297	299	15	%	%	NOUN
easat-11297	299	16	medium	medium	NOUN
easat-11297	299	17	0.72	0.72	NUM
easat-11297	299	18	%	%	NOUN
easat-11297	299	19	0.73	0.73	NUM
easat-11297	299	20	%	%	NOUN
easat-11297	299	21	0.73	0.73	NUM
easat-11297	299	22	%	%	NOUN
easat-11297	299	23	10599	10599	NUM
easat-11297	299	24	%	%	NOUN
easat-11297	299	25	high	high	ADJ
easat-11297	299	26	0.59	0.59	NUM
easat-11297	299	27	%	%	NOUN
easat-11297	299	28	0.59	0.59	NUM
easat-11297	299	29	%	%	NOUN
easat-11297	299	30	0.59	0.59	NUM
easat-11297	299	31	%	%	NOUN
easat-11297	299	32	3527	3527	NUM
easat-11297	299	33	%	%	NOUN
easat-11297	299	34	accuracy	accuracy	NOUN
easat-11297	299	35	0.69	0.69	NUM
easat-11297	299	36	%	%	NOUN
easat-11297	299	37	20000	20000	NUM
easat-11297	299	38	%	%	NOUN
easat-11297	299	39	macro	macro	ADJ
easat-11297	299	40	avg	avg	NOUN
easat-11297	299	41	0.67	0.67	NUM
easat-11297	299	42	%	%	NOUN
easat-11297	299	43	0.67	0.67	NUM
easat-11297	299	44	%	%	NOUN
easat-11297	299	45	0.67	0.67	NUM
easat-11297	299	46	%	%	NOUN
easat-11297	299	47	20000	20000	NUM
easat-11297	299	48	%	%	NOUN
easat-11297	299	49	weighted	weight	VERB
easat-11297	299	50	avg	avg	NOUN
easat-11297	299	51	0.69	0.69	NUM
easat-11297	299	52	%	%	NOUN
easat-11297	299	53	0.69	0.69	NUM
easat-11297	299	54	%	%	NOUN
easat-11297	299	55	0.69	0.69	NUM
easat-11297	299	56	%	%	NOUN
easat-11297	299	57	20000	20000	NUM
easat-11297	299	58	%	%	NOUN
easat-11297	299	59	the	the	DET
easat-11297	299	60	performance	performance	NOUN
easat-11297	299	61	metrics	metric	NOUN
easat-11297	299	62	for	for	ADP
easat-11297	299	63	the	the	DET
easat-11297	299	64	credit	credit	NOUN
easat-11297	299	65	score	score	NOUN
easat-11297	299	66	categories	category	NOUN
easat-11297	299	67	are	be	AUX
easat-11297	299	68	as	as	SCONJ
easat-11297	299	69	follows	follow	VERB
easat-11297	299	70	:	:	PUNCT
easat-11297	299	71	for	for	ADP
easat-11297	299	72	low	low	ADJ
easat-11297	299	73	credit	credit	NOUN
easat-11297	299	74	score	score	NOUN
easat-11297	299	75	,	,	PUNCT
easat-11297	299	76	precision	precision	NOUN
easat-11297	299	77	is	be	AUX
easat-11297	299	78	0.69	0.69	NUM
easat-11297	299	79	,	,	PUNCT
easat-11297	299	80	recall	recall	NOUN
easat-11297	299	81	is	be	AUX
easat-11297	299	82	0.67	0.67	NUM
easat-11297	299	83	,	,	PUNCT
easat-11297	299	84	and	and	CCONJ
easat-11297	299	85	the	the	DET
easat-11297	299	86	f1	f1	NOUN
easat-11297	299	87	-	-	PUNCT
easat-11297	299	88	score	score	NOUN
easat-11297	299	89	is	be	AUX
easat-11297	299	90	0.68	0.68	NUM
easat-11297	299	91	.	.	PUNCT
easat-11297	300	1	for	for	ADP
easat-11297	300	2	a	a	DET
easat-11297	300	3	medium	medium	ADJ
easat-11297	300	4	credit	credit	NOUN
easat-11297	300	5	score	score	NOUN
easat-11297	300	6	,	,	PUNCT
easat-11297	300	7	precision	precision	NOUN
easat-11297	300	8	is	be	AUX
easat-11297	300	9	0.72	0.72	NUM
easat-11297	300	10	,	,	PUNCT
easat-11297	300	11	recall	recall	NOUN
easat-11297	300	12	is	be	AUX
easat-11297	300	13	0.73	0.73	NUM
easat-11297	300	14	,	,	PUNCT
easat-11297	300	15	and	and	CCONJ
easat-11297	300	16	the	the	DET
easat-11297	300	17	f1	f1	NOUN
easat-11297	300	18	-	-	PUNCT
easat-11297	300	19	score	score	NOUN
easat-11297	300	20	is	be	AUX
easat-11297	300	21	0.73	0.73	NUM
easat-11297	300	22	.	.	PUNCT
easat-11297	301	1	for	for	ADP
easat-11297	301	2	a	a	DET
easat-11297	301	3	high	high	ADJ
easat-11297	301	4	credit	credit	NOUN
easat-11297	301	5	score	score	NOUN
easat-11297	301	6	,	,	PUNCT
easat-11297	301	7	precision	precision	NOUN
easat-11297	301	8	is	be	AUX
easat-11297	301	9	0.59	0.59	NUM
easat-11297	301	10	,	,	PUNCT
easat-11297	301	11	recall	recall	NOUN
easat-11297	301	12	is	be	AUX
easat-11297	301	13	0.59	0.59	NUM
easat-11297	301	14	,	,	PUNCT
easat-11297	301	15	and	and	CCONJ
easat-11297	301	16	the	the	DET
easat-11297	301	17	f1	f1	NOUN
easat-11297	301	18	-	-	PUNCT
easat-11297	301	19	score	score	NOUN
easat-11297	301	20	is	be	AUX
easat-11297	301	21	0.59	0.59	NUM
easat-11297	301	22	,	,	PUNCT
easat-11297	301	23	indicating	indicate	VERB
easat-11297	301	24	lower	low	ADJ
easat-11297	301	25	performance	performance	NOUN
easat-11297	301	26	in	in	ADP
easat-11297	301	27	the	the	DET
easat-11297	301	28	high	high	ADJ
easat-11297	301	29	credit	credit	NOUN
easat-11297	301	30	score	score	NOUN
easat-11297	301	31	category	category	NOUN
easat-11297	301	32	.	.	PUNCT
easat-11297	302	1	see	see	VERB
easat-11297	302	2	table	table	NOUN
easat-11297	302	3	9	9	NUM
easat-11297	302	4	.	.	X
easat-11297	302	5	144	144	NUM
easat-11297	302	6	edelweiss	edelweiss	PROPN
easat-11297	302	7	applied	apply	VERB
easat-11297	302	8	science	science	NOUN
easat-11297	302	9	and	and	CCONJ
easat-11297	302	10	technology	technology	NOUN
easat-11297	302	11	issn	issn	PROPN
easat-11297	302	12	:	:	PUNCT
easat-11297	302	13	2576	2576	NUM
easat-11297	302	14	-	-	SYM
easat-11297	302	15	8484	8484	NUM
easat-11297	302	16	vol	vol	NOUN
easat-11297	302	17	.	.	PROPN
easat-11297	303	1	9	9	NUM
easat-11297	303	2	,	,	PUNCT
easat-11297	303	3	no	no	INTJ
easat-11297	303	4	.	.	NOUN
easat-11297	303	5	12	12	NUM
easat-11297	303	6	:	:	PUNCT
easat-11297	303	7	124	124	NUM
easat-11297	303	8	-	-	SYM
easat-11297	303	9	147	147	NUM
easat-11297	303	10	,	,	PUNCT
easat-11297	303	11	2025	2025	NUM
easat-11297	303	12	doi	doi	NOUN
easat-11297	303	13	:	:	PUNCT
easat-11297	303	14	10.55214/2576	10.55214/2576	NUM
easat-11297	303	15	-	-	SYM
easat-11297	303	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	304	1	©	©	PROPN
easat-11297	304	2	2025	2025	NUM
easat-11297	304	3	by	by	ADP
easat-11297	304	4	the	the	DET
easat-11297	304	5	authors	author	NOUN
easat-11297	304	6	;	;	PUNCT
easat-11297	304	7	licensee	licensee	PROPN
easat-11297	304	8	learning	learn	VERB
easat-11297	304	9	gate	gate	PROPN
easat-11297	304	10	figure	figure	NOUN
easat-11297	304	11	17	17	NUM
easat-11297	304	12	.	.	PUNCT
easat-11297	305	1	confusion	confusion	NOUN
easat-11297	305	2	matrix	matrix	NOUN
easat-11297	305	3	for	for	ADP
easat-11297	305	4	boosting	boost	VERB
easat-11297	305	5	model	model	NOUN
easat-11297	305	6	(	(	PUNCT
easat-11297	305	7	dataset-3	dataset-3	NOUN
easat-11297	305	8	)	)	PUNCT
easat-11297	305	9	.	.	PUNCT
easat-11297	306	1	from	from	ADP
easat-11297	306	2	the	the	DET
easat-11297	306	3	confusion	confusion	NOUN
easat-11297	306	4	matrix	matrix	NOUN
easat-11297	306	5	in	in	ADP
easat-11297	306	6	figure	figure	NOUN
easat-11297	306	7	17	17	NUM
easat-11297	306	8	,	,	PUNCT
easat-11297	306	9	it	it	PRON
easat-11297	306	10	is	be	AUX
easat-11297	306	11	evident	evident	ADJ
easat-11297	306	12	that	that	SCONJ
easat-11297	306	13	the	the	DET
easat-11297	306	14	boosting	boost	VERB
easat-11297	306	15	model	model	NOUN
easat-11297	306	16	was	be	AUX
easat-11297	306	17	problematic	problematic	ADJ
easat-11297	306	18	with	with	ADP
easat-11297	306	19	the	the	DET
easat-11297	306	20	high	high	ADJ
easat-11297	306	21	credit	credit	NOUN
easat-11297	306	22	score	score	NOUN
easat-11297	306	23	category	category	NOUN
easat-11297	306	24	,	,	PUNCT
easat-11297	306	25	which	which	PRON
easat-11297	306	26	led	lead	VERB
easat-11297	306	27	to	to	ADP
easat-11297	306	28	a	a	DET
easat-11297	306	29	lot	lot	NOUN
easat-11297	306	30	of	of	ADP
easat-11297	306	31	confusion	confusion	NOUN
easat-11297	306	32	and	and	CCONJ
easat-11297	306	33	misclassification	misclassification	NOUN
easat-11297	306	34	.	.	PUNCT
easat-11297	307	1	this	this	PRON
easat-11297	307	2	could	could	AUX
easat-11297	307	3	have	have	AUX
easat-11297	307	4	been	be	AUX
easat-11297	307	5	due	due	ADJ
easat-11297	307	6	to	to	ADP
easat-11297	307	7	the	the	DET
easat-11297	307	8	lower	low	ADJ
easat-11297	307	9	performance	performance	NOUN
easat-11297	307	10	of	of	ADP
easat-11297	307	11	the	the	DET
easat-11297	307	12	model	model	NOUN
easat-11297	307	13	in	in	ADP
easat-11297	307	14	the	the	DET
easat-11297	307	15	high	high	ADJ
easat-11297	307	16	credit	credit	NOUN
easat-11297	307	17	scores	score	NOUN
easat-11297	307	18	when	when	SCONJ
easat-11297	307	19	compared	compare	VERB
easat-11297	307	20	to	to	ADP
easat-11297	307	21	the	the	DET
easat-11297	307	22	low	low	ADJ
easat-11297	307	23	credit	credit	NOUN
easat-11297	307	24	scores	score	NOUN
easat-11297	307	25	,	,	PUNCT
easat-11297	307	26	thus	thus	ADV
easat-11297	307	27	achieving	achieve	VERB
easat-11297	307	28	a	a	DET
easat-11297	307	29	lower	low	ADJ
easat-11297	307	30	accuracy	accuracy	NOUN
easat-11297	307	31	.	.	PUNCT
easat-11297	308	1	the	the	DET
easat-11297	308	2	stacking	stacking	NOUN
easat-11297	308	3	model	model	NOUN
easat-11297	308	4	emerged	emerge	VERB
easat-11297	308	5	as	as	ADP
easat-11297	308	6	the	the	DET
easat-11297	308	7	best	good	ADJ
easat-11297	308	8	performer	performer	NOUN
easat-11297	308	9	,	,	PUNCT
easat-11297	308	10	with	with	ADP
easat-11297	308	11	the	the	DET
easat-11297	308	12	highest	high	ADJ
easat-11297	308	13	accuracy	accuracy	NOUN
easat-11297	308	14	and	and	CCONJ
easat-11297	308	15	balanced	balanced	ADJ
easat-11297	308	16	precision	precision	NOUN
easat-11297	308	17	-	-	PUNCT
easat-11297	308	18	recall	recall	NOUN
easat-11297	308	19	across	across	ADP
easat-11297	308	20	all	all	DET
easat-11297	308	21	three	three	NUM
easat-11297	308	22	categories	category	NOUN
easat-11297	308	23	.	.	PUNCT
easat-11297	309	1	the	the	DET
easat-11297	309	2	bagging	bagging	NOUN
easat-11297	309	3	model	model	NOUN
easat-11297	309	4	also	also	ADV
easat-11297	309	5	performed	perform	VERB
easat-11297	309	6	well	well	ADV
easat-11297	309	7	,	,	PUNCT
easat-11297	309	8	but	but	CCONJ
easat-11297	309	9	struggled	struggle	VERB
easat-11297	309	10	more	more	ADJ
easat-11297	309	11	with	with	ADP
easat-11297	309	12	the	the	DET
easat-11297	309	13	high	high	ADJ
easat-11297	309	14	credit	credit	NOUN
easat-11297	309	15	score	score	NOUN
easat-11297	309	16	category	category	NOUN
easat-11297	309	17	.	.	PUNCT
easat-11297	310	1	the	the	DET
easat-11297	310	2	boosting	boost	VERB
easat-11297	310	3	model	model	NOUN
easat-11297	310	4	,	,	PUNCT
easat-11297	310	5	while	while	SCONJ
easat-11297	310	6	effective	effective	ADJ
easat-11297	310	7	for	for	ADP
easat-11297	310	8	imbalanced	imbalanced	ADJ
easat-11297	310	9	data	datum	NOUN
easat-11297	310	10	,	,	PUNCT
easat-11297	310	11	had	have	VERB
easat-11297	310	12	the	the	DET
easat-11297	310	13	lowest	low	ADJ
easat-11297	310	14	performance	performance	NOUN
easat-11297	310	15	,	,	PUNCT
easat-11297	310	16	particularly	particularly	ADV
easat-11297	310	17	in	in	ADP
easat-11297	310	18	predicting	predict	VERB
easat-11297	310	19	high	high	ADJ
easat-11297	310	20	credit	credit	NOUN
easat-11297	310	21	scores	score	NOUN
easat-11297	310	22	.	.	PUNCT
easat-11297	311	1	4.7	4.7	NUM
easat-11297	311	2	.	.	PUNCT
easat-11297	311	3	comparison	comparison	NOUN
easat-11297	311	4	across	across	ADP
easat-11297	311	5	ensemble	ensemble	ADJ
easat-11297	311	6	methods	method	NOUN
easat-11297	311	7	dataset	dataset	VERB
easat-11297	311	8	1	1	NUM
easat-11297	311	9	stacking	stacking	NOUN
easat-11297	311	10	model	model	NOUN
easat-11297	311	11	proposed	propose	VERB
easat-11297	311	12	the	the	DET
easat-11297	311	13	highest	high	ADJ
easat-11297	311	14	accuracy	accuracy	NOUN
easat-11297	311	15	of	of	ADP
easat-11297	311	16	82	82	NUM
easat-11297	311	17	%	%	NOUN
easat-11297	311	18	in	in	ADP
easat-11297	311	19	this	this	DET
easat-11297	311	20	dataset	dataset	NOUN
easat-11297	311	21	,	,	PUNCT
easat-11297	311	22	indicating	indicate	VERB
easat-11297	311	23	the	the	DET
easat-11297	311	24	efficiency	efficiency	NOUN
easat-11297	311	25	of	of	ADP
easat-11297	311	26	the	the	DET
easat-11297	311	27	stacking	stacking	NOUN
easat-11297	311	28	model	model	NOUN
easat-11297	311	29	in	in	ADP
easat-11297	311	30	this	this	DET
easat-11297	311	31	context	context	NOUN
easat-11297	311	32	.	.	PUNCT
easat-11297	312	1	the	the	DET
easat-11297	312	2	bagging	bagging	NOUN
easat-11297	312	3	model	model	NOUN
easat-11297	312	4	was	be	AUX
easat-11297	312	5	performed	perform	VERB
easat-11297	312	6	with	with	ADP
easat-11297	312	7	80	80	NUM
easat-11297	312	8	%	%	NOUN
easat-11297	312	9	accuracy	accuracy	NOUN
easat-11297	312	10	,	,	PUNCT
easat-11297	312	11	followed	follow	VERB
easat-11297	312	12	by	by	ADP
easat-11297	312	13	the	the	DET
easat-11297	312	14	boosting	boost	VERB
easat-11297	312	15	model	model	NOUN
easat-11297	312	16	with	with	ADP
easat-11297	312	17	only	only	ADV
easat-11297	312	18	74	74	NUM
easat-11297	312	19	%	%	NOUN
easat-11297	312	20	accuracy	accuracy	NOUN
easat-11297	312	21	.	.	PUNCT
easat-11297	313	1	for	for	ADP
easat-11297	313	2	dataset	dataset	NOUN
easat-11297	313	3	2	2	NUM
easat-11297	313	4	,	,	PUNCT
easat-11297	313	5	the	the	DET
easat-11297	313	6	bagging	bagging	NOUN
easat-11297	313	7	model	model	NOUN
easat-11297	313	8	was	be	AUX
easat-11297	313	9	the	the	DET
easat-11297	313	10	best	good	ADJ
easat-11297	313	11	performing	perform	VERB
easat-11297	313	12	with	with	ADP
easat-11297	313	13	an	an	DET
easat-11297	313	14	accuracy	accuracy	NOUN
easat-11297	313	15	of	of	ADP
easat-11297	313	16	72	72	NUM
easat-11297	313	17	%	%	NOUN
easat-11297	313	18	,	,	PUNCT
easat-11297	313	19	which	which	PRON
easat-11297	313	20	shows	show	VERB
easat-11297	313	21	this	this	DET
easat-11297	313	22	model	model	NOUN
easat-11297	313	23	’s	’s	PART
easat-11297	313	24	ability	ability	NOUN
easat-11297	313	25	in	in	ADP
easat-11297	313	26	dealing	deal	VERB
easat-11297	313	27	with	with	ADP
easat-11297	313	28	this	this	DET
easat-11297	313	29	dataset	dataset	NOUN
easat-11297	313	30	.	.	PUNCT
easat-11297	314	1	the	the	DET
easat-11297	314	2	stacking	stacking	NOUN
easat-11297	314	3	model	model	NOUN
easat-11297	314	4	was	be	AUX
easat-11297	314	5	slightly	slightly	ADV
easat-11297	314	6	lower	low	ADJ
easat-11297	314	7	at	at	ADP
easat-11297	314	8	70	70	NUM
easat-11297	314	9	%	%	NOUN
easat-11297	314	10	,	,	PUNCT
easat-11297	314	11	while	while	SCONJ
easat-11297	314	12	the	the	DET
easat-11297	314	13	boosting	boost	VERB
easat-11297	314	14	model	model	NOUN
easat-11297	314	15	was	be	AUX
easat-11297	314	16	even	even	ADV
easat-11297	314	17	lower	low	ADJ
easat-11297	314	18	with	with	ADP
easat-11297	314	19	a	a	DET
easat-11297	314	20	score	score	NOUN
easat-11297	314	21	of	of	ADP
easat-11297	314	22	58	58	NUM
easat-11297	314	23	%	%	NOUN
easat-11297	314	24	,	,	PUNCT
easat-11297	314	25	indicating	indicate	VERB
easat-11297	314	26	some	some	DET
easat-11297	314	27	difficulties	difficulty	NOUN
easat-11297	314	28	in	in	ADP
easat-11297	314	29	identifying	identify	VERB
easat-11297	314	30	the	the	DET
easat-11297	314	31	defaulters	defaulter	NOUN
easat-11297	314	32	in	in	ADP
easat-11297	314	33	this	this	DET
easat-11297	314	34	dataset	dataset	NOUN
easat-11297	314	35	.	.	PUNCT
easat-11297	315	1	in	in	ADP
easat-11297	315	2	dataset	dataset	NOUN
easat-11297	315	3	3	3	NUM
easat-11297	315	4	,	,	PUNCT
easat-11297	315	5	as	as	SCONJ
easat-11297	315	6	observed	observe	VERB
easat-11297	315	7	,	,	PUNCT
easat-11297	315	8	the	the	DET
easat-11297	315	9	stacking	stack	VERB
easat-11297	315	10	model	model	NOUN
easat-11297	315	11	performed	perform	VERB
easat-11297	315	12	well	well	ADV
easat-11297	315	13	with	with	ADP
easat-11297	315	14	78	78	NUM
easat-11297	315	15	%	%	NOUN
easat-11297	315	16	,	,	PUNCT
easat-11297	315	17	while	while	SCONJ
easat-11297	315	18	the	the	DET
easat-11297	315	19	bagging	bagging	NOUN
easat-11297	315	20	model	model	NOUN
easat-11297	315	21	was	be	AUX
easat-11297	315	22	slightly	slightly	ADV
easat-11297	315	23	behind	behind	ADV
easat-11297	315	24	with	with	ADP
easat-11297	315	25	76	76	NUM
easat-11297	315	26	%	%	NOUN
easat-11297	315	27	.	.	PUNCT
easat-11297	316	1	the	the	DET
easat-11297	316	2	boosting	boost	VERB
easat-11297	316	3	model	model	NOUN
easat-11297	316	4	had	have	VERB
easat-11297	316	5	the	the	DET
easat-11297	316	6	least	least	ADJ
easat-11297	316	7	accuracy	accuracy	NOUN
easat-11297	316	8	of	of	ADP
easat-11297	316	9	69	69	NUM
easat-11297	316	10	%	%	NOUN
easat-11297	316	11	.	.	PUNCT
easat-11297	317	1	in	in	ADP
easat-11297	317	2	all	all	DET
easat-11297	317	3	three	three	NUM
easat-11297	317	4	datasets	dataset	NOUN
easat-11297	317	5	,	,	PUNCT
easat-11297	317	6	stacking	stack	VERB
easat-11297	317	7	and	and	CCONJ
easat-11297	317	8	bagging	bagging	NOUN
easat-11297	317	9	were	be	AUX
easat-11297	317	10	superior	superior	ADJ
easat-11297	317	11	to	to	ADP
easat-11297	317	12	boosting	boost	VERB
easat-11297	317	13	;	;	PUNCT
easat-11297	317	14	bagging	bagging	NOUN
easat-11297	317	15	was	be	AUX
easat-11297	317	16	even	even	ADV
easat-11297	317	17	better	well	ADJ
easat-11297	317	18	in	in	ADP
easat-11297	317	19	the	the	DET
easat-11297	317	20	second	second	ADJ
easat-11297	317	21	dataset	dataset	NOUN
easat-11297	317	22	,	,	PUNCT
easat-11297	317	23	while	while	SCONJ
easat-11297	317	24	stacking	stack	VERB
easat-11297	317	25	was	be	AUX
easat-11297	317	26	the	the	DET
easat-11297	317	27	best	good	ADJ
easat-11297	317	28	for	for	ADP
easat-11297	317	29	the	the	DET
easat-11297	317	30	first	first	ADJ
easat-11297	317	31	and	and	CCONJ
easat-11297	317	32	the	the	DET
easat-11297	317	33	third	third	ADJ
easat-11297	317	34	datasets	dataset	NOUN
easat-11297	317	35	.	.	PUNCT
easat-11297	318	1	145	145	NUM
easat-11297	318	2	edelweiss	edelweiss	PROPN
easat-11297	318	3	applied	apply	VERB
easat-11297	318	4	science	science	NOUN
easat-11297	318	5	and	and	CCONJ
easat-11297	318	6	technology	technology	NOUN
easat-11297	318	7	issn	issn	PROPN
easat-11297	318	8	:	:	PUNCT
easat-11297	318	9	2576	2576	NUM
easat-11297	318	10	-	-	SYM
easat-11297	318	11	8484	8484	NUM
easat-11297	318	12	vol	vol	NOUN
easat-11297	318	13	.	.	PROPN
easat-11297	319	1	9	9	NUM
easat-11297	319	2	,	,	PUNCT
easat-11297	319	3	no	no	INTJ
easat-11297	319	4	.	.	NOUN
easat-11297	319	5	12	12	NUM
easat-11297	319	6	:	:	PUNCT
easat-11297	319	7	124	124	NUM
easat-11297	319	8	-	-	SYM
easat-11297	319	9	147	147	NUM
easat-11297	319	10	,	,	PUNCT
easat-11297	319	11	2025	2025	NUM
easat-11297	319	12	doi	doi	NOUN
easat-11297	319	13	:	:	PUNCT
easat-11297	319	14	10.55214/2576	10.55214/2576	NUM
easat-11297	319	15	-	-	SYM
easat-11297	319	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	320	1	©	©	PROPN
easat-11297	320	2	2025	2025	NUM
easat-11297	320	3	by	by	ADP
easat-11297	320	4	the	the	DET
easat-11297	320	5	authors	author	NOUN
easat-11297	320	6	;	;	PUNCT
easat-11297	320	7	licensee	licensee	PROPN
easat-11297	320	8	learning	learn	VERB
easat-11297	320	9	gate	gate	NOUN
easat-11297	320	10	table	table	NOUN
easat-11297	320	11	10	10	NUM
easat-11297	320	12	.	.	PUNCT
easat-11297	321	1	comparison	comparison	NOUN
easat-11297	321	2	of	of	ADP
easat-11297	321	3	accuracy	accuracy	NOUN
easat-11297	321	4	for	for	ADP
easat-11297	321	5	stacking	stacking	NOUN
easat-11297	321	6	,	,	PUNCT
easat-11297	321	7	bagging	bagging	NOUN
easat-11297	321	8	,	,	PUNCT
easat-11297	321	9	and	and	CCONJ
easat-11297	321	10	boosting	boost	VERB
easat-11297	321	11	for	for	ADP
easat-11297	321	12	three	three	NUM
easat-11297	321	13	datasets	dataset	NOUN
easat-11297	321	14	.	.	PUNCT
easat-11297	322	1	dataset	dataset	VERB
easat-11297	322	2	stacking	stacking	NOUN
easat-11297	322	3	accuracy	accuracy	NOUN
easat-11297	322	4	bagging	bagging	NOUN
easat-11297	322	5	accuracy	accuracy	NOUN
easat-11297	322	6	boosting	boost	VERB
easat-11297	322	7	accuracy	accuracy	NOUN
easat-11297	322	8	dataset	dataset	VERB
easat-11297	322	9	1	1	NUM
easat-11297	322	10	82	82	NUM
easat-11297	322	11	%	%	NOUN
easat-11297	322	12	80	80	NUM
easat-11297	322	13	%	%	NOUN
easat-11297	322	14	74	74	NUM
easat-11297	322	15	%	%	NOUN
easat-11297	322	16	dataset	dataset	VERB
easat-11297	322	17	2	2	NUM
easat-11297	322	18	70	70	NUM
easat-11297	322	19	%	%	NOUN
easat-11297	322	20	72	72	NUM
easat-11297	322	21	%	%	NOUN
easat-11297	322	22	58	58	NUM
easat-11297	322	23	%	%	NOUN
easat-11297	322	24	dataset	dataset	VERB
easat-11297	322	25	3	3	NUM
easat-11297	322	26	78	78	NUM
easat-11297	322	27	%	%	NOUN
easat-11297	322	28	76	76	NUM
easat-11297	322	29	%	%	NOUN
easat-11297	322	30	69	69	NUM
easat-11297	322	31	%	%	NOUN
easat-11297	322	32	5	5	NUM
easat-11297	322	33	.	.	PUNCT
easat-11297	322	34	discussion	discussion	NOUN
easat-11297	322	35	this	this	DET
easat-11297	322	36	section	section	NOUN
easat-11297	322	37	examines	examine	VERB
easat-11297	322	38	the	the	DET
easat-11297	322	39	performance	performance	NOUN
easat-11297	322	40	of	of	ADP
easat-11297	322	41	stacking	stacking	NOUN
easat-11297	322	42	,	,	PUNCT
easat-11297	322	43	bagging	bagging	NOUN
easat-11297	322	44	,	,	PUNCT
easat-11297	322	45	and	and	CCONJ
easat-11297	322	46	boosting	boost	VERB
easat-11297	322	47	on	on	ADP
easat-11297	322	48	three	three	NUM
easat-11297	322	49	datasets	dataset	NOUN
easat-11297	322	50	for	for	ADP
easat-11297	322	51	credit	credit	NOUN
easat-11297	322	52	score	score	NOUN
easat-11297	322	53	and	and	CCONJ
easat-11297	322	54	loan	loan	NOUN
easat-11297	322	55	default	default	NOUN
easat-11297	322	56	prediction	prediction	NOUN
easat-11297	322	57	.	.	PUNCT
easat-11297	323	1	stacking	stack	VERB
easat-11297	323	2	performed	perform	VERB
easat-11297	323	3	best	well	ADV
easat-11297	323	4	in	in	ADP
easat-11297	323	5	multi	multi	ADJ
easat-11297	323	6	-	-	ADJ
easat-11297	323	7	class	class	ADJ
easat-11297	323	8	classification	classification	NOUN
easat-11297	323	9	,	,	PUNCT
easat-11297	323	10	achieving	achieve	VERB
easat-11297	323	11	82	82	NUM
easat-11297	323	12	%	%	NOUN
easat-11297	323	13	accuracy	accuracy	NOUN
easat-11297	323	14	in	in	ADP
easat-11297	323	15	dataset	dataset	NOUN
easat-11297	323	16	1	1	NUM
easat-11297	323	17	,	,	PUNCT
easat-11297	323	18	thanks	thank	NOUN
easat-11297	323	19	to	to	ADP
easat-11297	323	20	its	its	PRON
easat-11297	323	21	ability	ability	NOUN
easat-11297	323	22	to	to	PART
easat-11297	323	23	combine	combine	VERB
easat-11297	323	24	the	the	DET
easat-11297	323	25	strengths	strength	NOUN
easat-11297	323	26	of	of	ADP
easat-11297	323	27	random	random	ADJ
easat-11297	323	28	forest	forest	NOUN
easat-11297	323	29	and	and	CCONJ
easat-11297	323	30	knn	knn	PROPN
easat-11297	323	31	.	.	PUNCT
easat-11297	324	1	bagging	bagging	NOUN
easat-11297	324	2	,	,	PUNCT
easat-11297	324	3	with	with	ADP
easat-11297	324	4	80	80	NUM
easat-11297	324	5	%	%	NOUN
easat-11297	324	6	accuracy	accuracy	NOUN
easat-11297	324	7	,	,	PUNCT
easat-11297	324	8	was	be	AUX
easat-11297	324	9	effective	effective	ADJ
easat-11297	324	10	in	in	ADP
easat-11297	324	11	stabilizing	stabilize	VERB
easat-11297	324	12	predictions	prediction	NOUN
easat-11297	324	13	in	in	ADP
easat-11297	324	14	dataset	dataset	NOUN
easat-11297	324	15	1	1	NUM
easat-11297	324	16	,	,	PUNCT
easat-11297	324	17	while	while	SCONJ
easat-11297	324	18	boosting	boost	VERB
easat-11297	324	19	lagged	lag	VERB
easat-11297	324	20	at	at	ADP
easat-11297	324	21	74	74	NUM
easat-11297	324	22	%	%	NOUN
easat-11297	324	23	due	due	ADP
easat-11297	324	24	to	to	ADP
easat-11297	324	25	sensitivity	sensitivity	NOUN
easat-11297	324	26	to	to	ADP
easat-11297	324	27	class	class	NOUN
easat-11297	324	28	imbalance	imbalance	NOUN
easat-11297	324	29	.	.	PUNCT
easat-11297	325	1	for	for	ADP
easat-11297	325	2	dataset	dataset	NOUN
easat-11297	325	3	2	2	NUM
easat-11297	325	4	(	(	PUNCT
easat-11297	325	5	loan	loan	NOUN
easat-11297	325	6	default	default	NOUN
easat-11297	325	7	prediction	prediction	NOUN
easat-11297	325	8	)	)	PUNCT
easat-11297	325	9	,	,	PUNCT
easat-11297	325	10	bagging	bagging	NOUN
easat-11297	325	11	was	be	AUX
easat-11297	325	12	most	most	ADV
easat-11297	325	13	effective	effective	ADJ
easat-11297	325	14	at	at	ADP
easat-11297	325	15	72	72	NUM
easat-11297	325	16	%	%	NOUN
easat-11297	325	17	,	,	PUNCT
easat-11297	325	18	with	with	ADP
easat-11297	325	19	stacking	stack	VERB
easat-11297	325	20	at	at	ADP
easat-11297	325	21	70	70	NUM
easat-11297	325	22	%	%	NOUN
easat-11297	325	23	,	,	PUNCT
easat-11297	325	24	and	and	CCONJ
easat-11297	325	25	boosting	boost	VERB
easat-11297	325	26	at	at	ADP
easat-11297	325	27	58	58	NUM
easat-11297	325	28	%	%	NOUN
easat-11297	325	29	.	.	PUNCT
easat-11297	326	1	in	in	ADP
easat-11297	326	2	dataset	dataset	NOUN
easat-11297	326	3	3	3	NUM
easat-11297	326	4	(	(	PUNCT
easat-11297	326	5	multi	multi	ADJ
easat-11297	326	6	-	-	ADJ
easat-11297	326	7	class	class	ADJ
easat-11297	326	8	classification	classification	NOUN
easat-11297	326	9	)	)	PUNCT
easat-11297	326	10	,	,	PUNCT
easat-11297	326	11	stacking	stack	VERB
easat-11297	326	12	again	again	ADV
easat-11297	326	13	led	lead	VERB
easat-11297	326	14	with	with	ADP
easat-11297	326	15	78	78	NUM
easat-11297	326	16	%	%	NOUN
easat-11297	326	17	,	,	PUNCT
easat-11297	326	18	followed	follow	VERB
easat-11297	326	19	by	by	ADP
easat-11297	326	20	bagging	bag	VERB
easat-11297	326	21	at	at	ADP
easat-11297	326	22	76	76	NUM
easat-11297	326	23	%	%	NOUN
easat-11297	326	24	,	,	PUNCT
easat-11297	326	25	while	while	SCONJ
easat-11297	326	26	boosting	boost	VERB
easat-11297	326	27	struggled	struggle	VERB
easat-11297	326	28	with	with	ADP
easat-11297	326	29	69	69	NUM
easat-11297	326	30	%	%	NOUN
easat-11297	326	31	.	.	PUNCT
easat-11297	327	1	stacking	stack	VERB
easat-11297	327	2	and	and	CCONJ
easat-11297	327	3	bagging	bagging	NOUN
easat-11297	327	4	consistently	consistently	ADV
easat-11297	327	5	outperformed	outperform	VERB
easat-11297	327	6	boosting	boosting	NOUN
easat-11297	327	7	,	,	PUNCT
easat-11297	327	8	with	with	ADP
easat-11297	327	9	stacking	stack	VERB
easat-11297	327	10	excelling	excelling	NOUN
easat-11297	327	11	in	in	ADP
easat-11297	327	12	multi	multi	ADJ
easat-11297	327	13	-	-	ADJ
easat-11297	327	14	class	class	ADJ
easat-11297	327	15	problems	problem	NOUN
easat-11297	327	16	and	and	CCONJ
easat-11297	327	17	bagging	bagging	NOUN
easat-11297	327	18	in	in	ADP
easat-11297	327	19	binary	binary	ADJ
easat-11297	327	20	classification	classification	NOUN
easat-11297	327	21	tasks	task	NOUN
easat-11297	327	22	with	with	ADP
easat-11297	327	23	imbalanced	imbalanced	ADJ
easat-11297	327	24	data	datum	NOUN
easat-11297	327	25	.	.	PUNCT
easat-11297	328	1	while	while	SCONJ
easat-11297	328	2	boosting	boost	VERB
easat-11297	328	3	improved	improved	ADJ
easat-11297	328	4	recall	recall	NOUN
easat-11297	328	5	,	,	PUNCT
easat-11297	328	6	it	it	PRON
easat-11297	328	7	was	be	AUX
easat-11297	328	8	prone	prone	ADJ
easat-11297	328	9	to	to	ADP
easat-11297	328	10	overfitting	overfitte	VERB
easat-11297	328	11	and	and	CCONJ
easat-11297	328	12	less	less	ADV
easat-11297	328	13	effective	effective	ADJ
easat-11297	328	14	in	in	ADP
easat-11297	328	15	complex	complex	ADJ
easat-11297	328	16	problems	problem	NOUN
easat-11297	328	17	.	.	PUNCT
easat-11297	329	1	these	these	DET
easat-11297	329	2	findings	finding	NOUN
easat-11297	329	3	suggest	suggest	VERB
easat-11297	329	4	that	that	SCONJ
easat-11297	329	5	stacking	stack	VERB
easat-11297	329	6	and	and	CCONJ
easat-11297	329	7	bagging	bagging	NOUN
easat-11297	329	8	are	be	AUX
easat-11297	329	9	suitable	suitable	ADJ
easat-11297	329	10	for	for	ADP
easat-11297	329	11	real	real	ADJ
easat-11297	329	12	-	-	PUNCT
easat-11297	329	13	world	world	NOUN
easat-11297	329	14	credit	credit	NOUN
easat-11297	329	15	scoring	scoring	NOUN
easat-11297	329	16	applications	application	NOUN
easat-11297	329	17	,	,	PUNCT
easat-11297	329	18	while	while	SCONJ
easat-11297	329	19	boosting	boost	VERB
easat-11297	329	20	may	may	AUX
easat-11297	329	21	not	not	PART
easat-11297	329	22	be	be	AUX
easat-11297	329	23	ideal	ideal	ADJ
easat-11297	329	24	for	for	ADP
easat-11297	329	25	credit	credit	NOUN
easat-11297	329	26	risk	risk	NOUN
easat-11297	329	27	assessment	assessment	NOUN
easat-11297	329	28	due	due	ADP
easat-11297	329	29	to	to	ADP
easat-11297	329	30	its	its	PRON
easat-11297	329	31	overfitting	overfitte	VERB
easat-11297	329	32	tendencies	tendency	NOUN
easat-11297	329	33	.	.	PUNCT
easat-11297	330	1	financial	financial	ADJ
easat-11297	330	2	institutions	institution	NOUN
easat-11297	330	3	should	should	AUX
easat-11297	330	4	consider	consider	VERB
easat-11297	330	5	the	the	DET
easat-11297	330	6	characteristics	characteristic	NOUN
easat-11297	330	7	of	of	ADP
easat-11297	330	8	their	their	PRON
easat-11297	330	9	data	datum	NOUN
easat-11297	330	10	and	and	CCONJ
easat-11297	330	11	objectives	objective	NOUN
easat-11297	330	12	when	when	SCONJ
easat-11297	330	13	choosing	choose	VERB
easat-11297	330	14	an	an	DET
easat-11297	330	15	ensemble	ensemble	ADJ
easat-11297	330	16	method	method	NOUN
easat-11297	330	17	.	.	PUNCT
easat-11297	331	1	6	6	NUM
easat-11297	331	2	.	.	NUM
easat-11297	331	3	limitations	limitation	NOUN
easat-11297	331	4	and	and	CCONJ
easat-11297	331	5	future	future	ADJ
easat-11297	331	6	work	work	NOUN
easat-11297	331	7	this	this	DET
easat-11297	331	8	study	study	NOUN
easat-11297	331	9	has	have	VERB
easat-11297	331	10	a	a	DET
easat-11297	331	11	few	few	ADJ
easat-11297	331	12	limitations	limitation	NOUN
easat-11297	331	13	,	,	PUNCT
easat-11297	331	14	such	such	ADJ
easat-11297	331	15	as	as	ADP
easat-11297	331	16	the	the	DET
easat-11297	331	17	class	class	NOUN
easat-11297	331	18	imbalance	imbalance	NOUN
easat-11297	331	19	in	in	ADP
easat-11297	331	20	datasets	dataset	NOUN
easat-11297	331	21	2	2	NUM
easat-11297	331	22	and	and	CCONJ
easat-11297	331	23	3	3	NUM
easat-11297	331	24	,	,	PUNCT
easat-11297	331	25	which	which	PRON
easat-11297	331	26	affected	affect	VERB
easat-11297	331	27	the	the	DET
easat-11297	331	28	performance	performance	NOUN
easat-11297	331	29	of	of	ADP
easat-11297	331	30	boosting	boost	VERB
easat-11297	331	31	and	and	CCONJ
easat-11297	331	32	other	other	ADJ
easat-11297	331	33	algorithms	algorithm	NOUN
easat-11297	331	34	.	.	PUNCT
easat-11297	332	1	future	future	ADJ
easat-11297	332	2	research	research	NOUN
easat-11297	332	3	could	could	AUX
easat-11297	332	4	address	address	VERB
easat-11297	332	5	this	this	PRON
easat-11297	332	6	using	use	VERB
easat-11297	332	7	techniques	technique	NOUN
easat-11297	332	8	like	like	ADP
easat-11297	332	9	smote	smote	NOUN
easat-11297	332	10	or	or	CCONJ
easat-11297	332	11	cost	cost	NOUN
easat-11297	332	12	-	-	PUNCT
easat-11297	332	13	sensitive	sensitive	ADJ
easat-11297	332	14	learning	learning	NOUN
easat-11297	332	15	.	.	PUNCT
easat-11297	333	1	additionally	additionally	ADV
easat-11297	333	2	,	,	PUNCT
easat-11297	333	3	the	the	DET
easat-11297	333	4	study	study	NOUN
easat-11297	333	5	used	use	VERB
easat-11297	333	6	limited	limited	ADJ
easat-11297	333	7	feature	feature	NOUN
easat-11297	333	8	engineering	engineering	NOUN
easat-11297	333	9	,	,	PUNCT
easat-11297	333	10	and	and	CCONJ
easat-11297	333	11	more	more	ADV
easat-11297	333	12	advanced	advanced	ADJ
easat-11297	333	13	techniques	technique	NOUN
easat-11297	333	14	like	like	ADP
easat-11297	333	15	pca	pca	PROPN
easat-11297	333	16	or	or	CCONJ
easat-11297	333	17	rfecv	rfecv	NOUN
easat-11297	333	18	could	could	AUX
easat-11297	333	19	improve	improve	VERB
easat-11297	333	20	model	model	NOUN
easat-11297	333	21	accuracy	accuracy	NOUN
easat-11297	333	22	by	by	ADP
easat-11297	333	23	better	well	ADV
easat-11297	333	24	selecting	select	VERB
easat-11297	333	25	relevant	relevant	ADJ
easat-11297	333	26	features	feature	NOUN
easat-11297	333	27	.	.	PUNCT
easat-11297	334	1	hyperparameter	hyperparameter	NOUN
easat-11297	334	2	tuning	tuning	NOUN
easat-11297	334	3	,	,	PUNCT
easat-11297	334	4	which	which	PRON
easat-11297	334	5	was	be	AUX
easat-11297	334	6	not	not	PART
easat-11297	334	7	applied	apply	VERB
easat-11297	334	8	in	in	ADP
easat-11297	334	9	this	this	DET
easat-11297	334	10	study	study	NOUN
easat-11297	334	11	,	,	PUNCT
easat-11297	334	12	could	could	AUX
easat-11297	334	13	also	also	ADV
easat-11297	334	14	enhance	enhance	VERB
easat-11297	334	15	model	model	NOUN
easat-11297	334	16	performance	performance	NOUN
easat-11297	334	17	by	by	ADP
easat-11297	334	18	optimizing	optimize	VERB
easat-11297	334	19	parameters	parameter	NOUN
easat-11297	334	20	such	such	ADJ
easat-11297	334	21	as	as	ADP
easat-11297	334	22	the	the	DET
easat-11297	334	23	number	number	NOUN
easat-11297	334	24	of	of	ADP
easat-11297	334	25	estimators	estimator	NOUN
easat-11297	334	26	and	and	CCONJ
easat-11297	334	27	learning	learn	VERB
easat-11297	334	28	rates	rate	NOUN
easat-11297	334	29	.	.	PUNCT
easat-11297	335	1	future	future	ADJ
easat-11297	335	2	work	work	NOUN
easat-11297	335	3	could	could	AUX
easat-11297	335	4	focus	focus	VERB
easat-11297	335	5	on	on	ADP
easat-11297	335	6	advanced	advanced	ADJ
easat-11297	335	7	class	class	NOUN
easat-11297	335	8	imbalance	imbalance	NOUN
easat-11297	335	9	handling	handling	NOUN
easat-11297	335	10	,	,	PUNCT
easat-11297	335	11	improved	improve	VERB
easat-11297	335	12	feature	feature	NOUN
easat-11297	335	13	engineering	engineering	NOUN
easat-11297	335	14	,	,	PUNCT
easat-11297	335	15	and	and	CCONJ
easat-11297	335	16	enhancing	enhance	VERB
easat-11297	335	17	model	model	NOUN
easat-11297	335	18	interpretability	interpretability	NOUN
easat-11297	335	19	using	use	VERB
easat-11297	335	20	methods	method	NOUN
easat-11297	335	21	like	like	ADP
easat-11297	335	22	shap	shap	NOUN
easat-11297	335	23	or	or	CCONJ
easat-11297	335	24	lime	lime	NOUN
easat-11297	335	25	to	to	PART
easat-11297	335	26	increase	increase	VERB
easat-11297	335	27	transparency	transparency	NOUN
easat-11297	335	28	in	in	ADP
easat-11297	335	29	credit	credit	NOUN
easat-11297	335	30	scoring	scoring	NOUN
easat-11297	335	31	systems	system	NOUN
easat-11297	335	32	.	.	PUNCT
easat-11297	336	1	7	7	X
easat-11297	336	2	.	.	X
easat-11297	336	3	conclusions	conclusion	NOUN
easat-11297	336	4	this	this	DET
easat-11297	336	5	research	research	NOUN
easat-11297	336	6	compared	compare	VERB
easat-11297	336	7	the	the	DET
easat-11297	336	8	performance	performance	NOUN
easat-11297	336	9	of	of	ADP
easat-11297	336	10	three	three	NUM
easat-11297	336	11	ensemble	ensemble	ADJ
easat-11297	336	12	learning	learning	NOUN
easat-11297	336	13	algorithms	algorithm	NOUN
easat-11297	336	14	:	:	PUNCT
easat-11297	336	15	stacking	stacking	NOUN
easat-11297	336	16	,	,	PUNCT
easat-11297	336	17	bagging	bagging	NOUN
easat-11297	336	18	,	,	PUNCT
easat-11297	336	19	and	and	CCONJ
easat-11297	336	20	boosting	boost	VERB
easat-11297	336	21	,	,	PUNCT
easat-11297	336	22	on	on	ADP
easat-11297	336	23	credit	credit	NOUN
easat-11297	336	24	score	score	NOUN
easat-11297	336	25	and	and	CCONJ
easat-11297	336	26	loan	loan	NOUN
easat-11297	336	27	default	default	NOUN
easat-11297	336	28	prediction	prediction	NOUN
easat-11297	336	29	datasets	dataset	NOUN
easat-11297	336	30	.	.	PUNCT
easat-11297	337	1	stacking	stack	VERB
easat-11297	337	2	excelled	excel	VERB
easat-11297	337	3	in	in	ADP
easat-11297	337	4	multi	multi	ADJ
easat-11297	337	5	-	-	ADJ
easat-11297	337	6	class	class	ADJ
easat-11297	337	7	classification	classification	NOUN
easat-11297	337	8	,	,	PUNCT
easat-11297	337	9	achieving	achieve	VERB
easat-11297	337	10	82	82	NUM
easat-11297	337	11	%	%	NOUN
easat-11297	337	12	accuracy	accuracy	NOUN
easat-11297	337	13	for	for	ADP
easat-11297	337	14	dataset	dataset	NOUN
easat-11297	337	15	1	1	NUM
easat-11297	337	16	and	and	CCONJ
easat-11297	337	17	78	78	NUM
easat-11297	337	18	%	%	NOUN
easat-11297	337	19	for	for	ADP
easat-11297	337	20	dataset	dataset	NOUN
easat-11297	337	21	3	3	NUM
easat-11297	337	22	,	,	PUNCT
easat-11297	337	23	while	while	SCONJ
easat-11297	337	24	bagging	bagging	NOUN
easat-11297	337	25	performed	perform	VERB
easat-11297	337	26	best	well	ADV
easat-11297	337	27	in	in	ADP
easat-11297	337	28	binary	binary	ADJ
easat-11297	337	29	classification	classification	NOUN
easat-11297	337	30	with	with	ADP
easat-11297	337	31	72	72	NUM
easat-11297	337	32	%	%	NOUN
easat-11297	337	33	accuracy	accuracy	NOUN
easat-11297	337	34	for	for	ADP
easat-11297	337	35	dataset	dataset	NOUN
easat-11297	337	36	2	2	NUM
easat-11297	337	37	.	.	X
easat-11297	338	1	boosting	boost	VERB
easat-11297	338	2	,	,	PUNCT
easat-11297	338	3	however	however	ADV
easat-11297	338	4	,	,	PUNCT
easat-11297	338	5	showed	show	VERB
easat-11297	338	6	lower	low	ADJ
easat-11297	338	7	performance	performance	NOUN
easat-11297	338	8	across	across	ADP
easat-11297	338	9	all	all	DET
easat-11297	338	10	datasets	dataset	NOUN
easat-11297	338	11	due	due	ADP
easat-11297	338	12	to	to	ADP
easat-11297	338	13	its	its	PRON
easat-11297	338	14	sensitivity	sensitivity	NOUN
easat-11297	338	15	to	to	ADP
easat-11297	338	16	class	class	NOUN
easat-11297	338	17	imbalance	imbalance	NOUN
easat-11297	338	18	and	and	CCONJ
easat-11297	338	19	complex	complex	ADJ
easat-11297	338	20	structures	structure	NOUN
easat-11297	338	21	.	.	PUNCT
easat-11297	339	1	the	the	DET
easat-11297	339	2	study	study	NOUN
easat-11297	339	3	demonstrates	demonstrate	VERB
easat-11297	339	4	that	that	SCONJ
easat-11297	339	5	stacking	stacking	NOUN
easat-11297	339	6	and	and	CCONJ
easat-11297	339	7	bagging	bagging	NOUN
easat-11297	339	8	are	be	AUX
easat-11297	339	9	effective	effective	ADJ
easat-11297	339	10	methods	method	NOUN
easat-11297	339	11	for	for	ADP
easat-11297	339	12	credit	credit	NOUN
easat-11297	339	13	scoring	scoring	NOUN
easat-11297	339	14	,	,	PUNCT
easat-11297	339	15	with	with	ADP
easat-11297	339	16	stacking	stack	VERB
easat-11297	339	17	ideal	ideal	NOUN
easat-11297	339	18	for	for	ADP
easat-11297	339	19	multi	multi	ADJ
easat-11297	339	20	-	-	ADJ
easat-11297	339	21	class	class	NOUN
easat-11297	339	22	and	and	CCONJ
easat-11297	339	23	bagging	bagging	NOUN
easat-11297	339	24	for	for	ADP
easat-11297	339	25	binary	binary	ADJ
easat-11297	339	26	tasks	task	NOUN
easat-11297	339	27	.	.	PUNCT
easat-11297	340	1	financial	financial	ADJ
easat-11297	340	2	institutions	institution	NOUN
easat-11297	340	3	can	can	AUX
easat-11297	340	4	benefit	benefit	VERB
easat-11297	340	5	from	from	ADP
easat-11297	340	6	adopting	adopt	VERB
easat-11297	340	7	these	these	DET
easat-11297	340	8	models	model	NOUN
easat-11297	340	9	to	to	PART
easat-11297	340	10	improve	improve	VERB
easat-11297	340	11	accuracy	accuracy	NOUN
easat-11297	340	12	,	,	PUNCT
easat-11297	340	13	address	address	NOUN
easat-11297	340	14	class	class	NOUN
easat-11297	340	15	imbalance	imbalance	NOUN
easat-11297	340	16	,	,	PUNCT
easat-11297	340	17	and	and	CCONJ
easat-11297	340	18	enhance	enhance	VERB
easat-11297	340	19	risk	risk	NOUN
easat-11297	340	20	management	management	NOUN
easat-11297	340	21	.	.	PUNCT
easat-11297	341	1	properly	properly	ADV
easat-11297	341	2	developed	develop	VERB
easat-11297	341	3	,	,	PUNCT
easat-11297	341	4	these	these	DET
easat-11297	341	5	ensemble	ensemble	ADJ
easat-11297	341	6	techniques	technique	NOUN
easat-11297	341	7	could	could	AUX
easat-11297	341	8	reduce	reduce	VERB
easat-11297	341	9	credit	credit	NOUN
easat-11297	341	10	risks	risk	NOUN
easat-11297	341	11	and	and	CCONJ
easat-11297	341	12	strengthen	strengthen	VERB
easat-11297	341	13	the	the	DET
easat-11297	341	14	financial	financial	ADJ
easat-11297	341	15	system	system	NOUN
easat-11297	341	16	.	.	PUNCT
easat-11297	342	1	transparency	transparency	NOUN
easat-11297	342	2	:	:	PUNCT
easat-11297	342	3	the	the	DET
easat-11297	342	4	authors	author	NOUN
easat-11297	342	5	confirm	confirm	VERB
easat-11297	342	6	that	that	SCONJ
easat-11297	342	7	the	the	DET
easat-11297	342	8	manuscript	manuscript	NOUN
easat-11297	342	9	is	be	AUX
easat-11297	342	10	an	an	DET
easat-11297	342	11	honest	honest	ADJ
easat-11297	342	12	,	,	PUNCT
easat-11297	342	13	accurate	accurate	ADJ
easat-11297	342	14	,	,	PUNCT
easat-11297	342	15	and	and	CCONJ
easat-11297	342	16	transparent	transparent	ADJ
easat-11297	342	17	account	account	NOUN
easat-11297	342	18	of	of	ADP
easat-11297	342	19	the	the	DET
easat-11297	342	20	study	study	NOUN
easat-11297	342	21	;	;	PUNCT
easat-11297	342	22	that	that	SCONJ
easat-11297	342	23	no	no	DET
easat-11297	342	24	vital	vital	ADJ
easat-11297	342	25	features	feature	NOUN
easat-11297	342	26	of	of	ADP
easat-11297	342	27	the	the	DET
easat-11297	342	28	study	study	NOUN
easat-11297	342	29	have	have	AUX
easat-11297	342	30	been	be	AUX
easat-11297	342	31	omitted	omit	VERB
easat-11297	342	32	;	;	PUNCT
easat-11297	342	33	and	and	CCONJ
easat-11297	342	34	that	that	SCONJ
easat-11297	342	35	any	any	DET
easat-11297	342	36	discrepancies	discrepancy	NOUN
easat-11297	342	37	from	from	ADP
easat-11297	342	38	the	the	DET
easat-11297	342	39	study	study	NOUN
easat-11297	342	40	as	as	SCONJ
easat-11297	342	41	planned	plan	VERB
easat-11297	342	42	have	have	AUX
easat-11297	342	43	been	be	AUX
easat-11297	342	44	explained	explain	VERB
easat-11297	342	45	.	.	PUNCT
easat-11297	343	1	this	this	DET
easat-11297	343	2	study	study	NOUN
easat-11297	343	3	followed	follow	VERB
easat-11297	343	4	all	all	DET
easat-11297	343	5	ethical	ethical	ADJ
easat-11297	343	6	practices	practice	NOUN
easat-11297	343	7	during	during	ADP
easat-11297	343	8	writing	writing	NOUN
easat-11297	343	9	.	.	PUNCT
easat-11297	344	1	146	146	NUM
easat-11297	344	2	edelweiss	edelweiss	PROPN
easat-11297	344	3	applied	apply	VERB
easat-11297	344	4	science	science	NOUN
easat-11297	344	5	and	and	CCONJ
easat-11297	344	6	technology	technology	NOUN
easat-11297	344	7	issn	issn	PROPN
easat-11297	344	8	:	:	PUNCT
easat-11297	344	9	2576	2576	NUM
easat-11297	344	10	-	-	SYM
easat-11297	344	11	8484	8484	NUM
easat-11297	344	12	vol	vol	NOUN
easat-11297	344	13	.	.	PROPN
easat-11297	345	1	9	9	NUM
easat-11297	345	2	,	,	PUNCT
easat-11297	345	3	no	no	INTJ
easat-11297	345	4	.	.	NOUN
easat-11297	345	5	12	12	NUM
easat-11297	345	6	:	:	PUNCT
easat-11297	345	7	124	124	NUM
easat-11297	345	8	-	-	SYM
easat-11297	345	9	147	147	NUM
easat-11297	345	10	,	,	PUNCT
easat-11297	345	11	2025	2025	NUM
easat-11297	345	12	doi	doi	NOUN
easat-11297	345	13	:	:	PUNCT
easat-11297	345	14	10.55214/2576	10.55214/2576	NUM
easat-11297	345	15	-	-	SYM
easat-11297	345	16	8484.v9i12.11297	8484.v9i12.11297	NOUN
easat-11297	346	1	©	©	PROPN
easat-11297	346	2	2025	2025	NUM
easat-11297	346	3	by	by	ADP
easat-11297	346	4	the	the	DET
easat-11297	346	5	authors	author	NOUN
easat-11297	346	6	;	;	PUNCT
easat-11297	346	7	licensee	licensee	PROPN
easat-11297	346	8	learning	learn	VERB
easat-11297	346	9	gate	gate	NOUN
easat-11297	346	10	acknowledgments	acknowledgment	NOUN
easat-11297	346	11	:	:	PUNCT
easat-11297	346	12	this	this	DET
easat-11297	346	13	paper	paper	NOUN
easat-11297	346	14	is	be	AUX
easat-11297	346	15	result	result	NOUN
easat-11297	346	16	of	of	ADP
easat-11297	346	17	msc	msc	PROPN
easat-11297	346	18	thesis	thesis	NOUN
easat-11297	346	19	at	at	ADP
easat-11297	346	20	dublin	dublin	PROPN
easat-11297	346	21	business	business	PROPN
easat-11297	346	22	school	school	PROPN
easat-11297	346	23	ireland	ireland	PROPN
easat-11297	346	24	and	and	CCONJ
easat-11297	346	25	many	many	ADJ
easat-11297	346	26	thanks	thank	NOUN
easat-11297	346	27	to	to	ADP
easat-11297	346	28	all	all	DET
easat-11297	346	29	co	co	NOUN
easat-11297	346	30	-	-	NOUN
easat-11297	346	31	authors	author	NOUN
easat-11297	346	32	,	,	PUNCT
easat-11297	346	33	who	who	PRON
easat-11297	346	34	helped	help	VERB
easat-11297	346	35	me	i	PRON
easat-11297	346	36	to	to	PART
easat-11297	346	37	reshape	reshape	VERB
easat-11297	346	38	the	the	DET
easat-11297	346	39	paper	paper	NOUN
easat-11297	346	40	and	and	CCONJ
easat-11297	346	41	suggested	suggest	VERB
easat-11297	346	42	experiments	experiment	NOUN
easat-11297	346	43	.	.	PUNCT
easat-11297	347	1	copyright	copyright	NOUN
easat-11297	347	2	:	:	PUNCT
easat-11297	347	3	©	©	PROPN
easat-11297	347	4	2025	2025	NUM
easat-11297	347	5	by	by	ADP
easat-11297	347	6	the	the	DET
easat-11297	347	7	authors	author	NOUN
easat-11297	347	8	.	.	PUNCT
easat-11297	348	1	this	this	DET
easat-11297	348	2	article	article	NOUN
easat-11297	348	3	is	be	AUX
easat-11297	348	4	an	an	DET
easat-11297	348	5	open	open	ADJ
easat-11297	348	6	-	-	PUNCT
easat-11297	348	7	access	access	NOUN
easat-11297	348	8	article	article	NOUN
easat-11297	348	9	distributed	distribute	VERB
easat-11297	348	10	under	under	ADP
easat-11297	348	11	the	the	DET
easat-11297	348	12	terms	term	NOUN
easat-11297	348	13	and	and	CCONJ
easat-11297	348	14	conditions	condition	NOUN
easat-11297	348	15	of	of	ADP
easat-11297	348	16	the	the	DET
easat-11297	348	17	creative	creative	ADJ
easat-11297	348	18	commons	common	NOUN
easat-11297	348	19	attribution	attribution	NOUN
easat-11297	348	20	(	(	PUNCT
easat-11297	348	21	cc	cc	NOUN
easat-11297	348	22	by	by	ADP
easat-11297	348	23	)	)	PUNCT
easat-11297	348	24	license	license	NOUN
easat-11297	348	25	(	(	PUNCT
easat-11297	348	26	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-11297	348	27	)	)	PUNCT
easat-11297	348	28	.	.	PUNCT
easat-11297	349	1	references	reference	NOUN
easat-11297	349	2	[	[	X
easat-11297	349	3	1	1	NUM
easat-11297	349	4	]	]	X
easat-11297	349	5	y.	y.	NOUN
easat-11297	349	6	song	song	PROPN
easat-11297	349	7	,	,	PUNCT
easat-11297	349	8	y.	y.	PROPN
easat-11297	349	9	wang	wang	PROPN
easat-11297	349	10	,	,	PUNCT
easat-11297	349	11	x.	x.	NOUN
easat-11297	349	12	ye	ye	PROPN
easat-11297	349	13	,	,	PUNCT
easat-11297	349	14	d.	d.	PROPN
easat-11297	349	15	wang	wang	PROPN
easat-11297	349	16	,	,	PUNCT
easat-11297	349	17	y.	y.	PROPN
easat-11297	349	18	yin	yin	PROPN
easat-11297	349	19	,	,	PUNCT
easat-11297	349	20	and	and	CCONJ
easat-11297	349	21	y.	y.	PROPN
easat-11297	349	22	wang	wang	PROPN
easat-11297	349	23	,	,	PUNCT
easat-11297	349	24	"	"	PUNCT
easat-11297	349	25	multi	multi	ADJ
easat-11297	349	26	-	-	ADJ
easat-11297	349	27	view	view	ADJ
easat-11297	349	28	ensemble	ensemble	ADJ
easat-11297	349	29	learning	learning	NOUN
easat-11297	349	30	based	base	VERB
easat-11297	349	31	on	on	ADP
easat-11297	349	32	distance	distance	NOUN
easat-11297	349	33	-	-	PUNCT
easat-11297	349	34	tomodel	tomodel	NOUN
easat-11297	349	35	and	and	CCONJ
easat-11297	349	36	adaptive	adaptive	ADJ
easat-11297	349	37	clustering	clustering	NOUN
easat-11297	349	38	for	for	ADP
easat-11297	349	39	imbalanced	imbalanced	ADJ
easat-11297	349	40	credit	credit	NOUN
easat-11297	349	41	risk	risk	NOUN
easat-11297	349	42	assessment	assessment	NOUN
easat-11297	349	43	in	in	ADP
easat-11297	349	44	p2p	p2p	NOUN
easat-11297	349	45	lending	lending	NOUN
easat-11297	349	46	,	,	PUNCT
easat-11297	349	47	"	"	PUNCT
easat-11297	349	48	information	information	NOUN
easat-11297	349	49	sciences	science	NOUN
easat-11297	349	50	,	,	PUNCT
easat-11297	349	51	vol	vol	NOUN
easat-11297	349	52	.	.	PROPN
easat-11297	349	53	525	525	NUM
easat-11297	349	54	,	,	PUNCT
easat-11297	349	55	pp	pp	ADJ
easat-11297	349	56	.	.	PUNCT
easat-11297	350	1	182	182	NUM
easat-11297	350	2	-	-	SYM
easat-11297	350	3	204	204	NUM
easat-11297	350	4	,	,	PUNCT
easat-11297	350	5	2020	2020	NUM
easat-11297	350	6	.	.	PUNCT
easat-11297	351	1	https://doi.org/10.1016/j.ins.2020.03.027	https://doi.org/10.1016/j.ins.2020.03.027	PROPN
easat-11297	351	2	[	[	X
easat-11297	351	3	2	2	X
easat-11297	351	4	]	]	X
easat-11297	351	5	n.	n.	PROPN
easat-11297	351	6	chen	chen	PROPN
easat-11297	351	7	,	,	PUNCT
easat-11297	351	8	b.	b.	PROPN
easat-11297	351	9	ribeiro	ribeiro	PROPN
easat-11297	351	10	,	,	PUNCT
easat-11297	351	11	and	and	CCONJ
easat-11297	351	12	a.	a.	PROPN
easat-11297	351	13	chen	chen	PROPN
easat-11297	351	14	,	,	PUNCT
easat-11297	351	15	"	"	PUNCT
easat-11297	351	16	financial	financial	ADJ
easat-11297	351	17	credit	credit	NOUN
easat-11297	351	18	risk	risk	NOUN
easat-11297	351	19	assessment	assessment	NOUN
easat-11297	351	20	:	:	PUNCT
easat-11297	351	21	a	a	DET
easat-11297	351	22	recent	recent	ADJ
easat-11297	351	23	review	review	NOUN
easat-11297	351	24	,	,	PUNCT
easat-11297	351	25	"	"	PUNCT
easat-11297	351	26	artificial	artificial	ADJ
easat-11297	351	27	intelligence	intelligence	NOUN
easat-11297	351	28	review	review	NOUN
easat-11297	351	29	,	,	PUNCT
easat-11297	351	30	vol	vol	NOUN
easat-11297	351	31	.	.	PROPN
easat-11297	352	1	45	45	NUM
easat-11297	352	2	,	,	PUNCT
easat-11297	352	3	no	no	INTJ
easat-11297	352	4	.	.	NOUN
easat-11297	352	5	1	1	NUM
easat-11297	352	6	,	,	PUNCT
easat-11297	352	7	pp	pp	ADJ
easat-11297	352	8	.	.	PUNCT
easat-11297	353	1	1	1	NUM
easat-11297	353	2	-	-	SYM
easat-11297	353	3	23	23	NUM
easat-11297	353	4	,	,	PUNCT
easat-11297	353	5	2016	2016	NUM
easat-11297	353	6	.	.	PUNCT
easat-11297	354	1	https://doi.org/10.1007/s10462-015-9434-x	https://doi.org/10.1007/s10462-015-9434-x	PROPN
easat-11297	355	1	[	[	X
easat-11297	355	2	3	3	NUM
easat-11297	355	3	]	]	X
easat-11297	355	4	h.	h.	PROPN
easat-11297	355	5	zhang	zhang	PROPN
easat-11297	355	6	,	,	PUNCT
easat-11297	355	7	y.	y.	PROPN
easat-11297	355	8	shi	shi	PROPN
easat-11297	355	9	,	,	PUNCT
easat-11297	355	10	x.	x.	PROPN
easat-11297	355	11	yang	yang	PROPN
easat-11297	355	12	,	,	PUNCT
easat-11297	355	13	and	and	CCONJ
easat-11297	355	14	r.	r.	PROPN
easat-11297	355	15	zhou	zhou	PROPN
easat-11297	355	16	,	,	PUNCT
easat-11297	355	17	"	"	PUNCT
easat-11297	355	18	a	a	DET
easat-11297	355	19	firefly	firefly	NOUN
easat-11297	355	20	algorithm	algorithm	NOUN
easat-11297	355	21	modified	modify	VERB
easat-11297	355	22	support	support	NOUN
easat-11297	355	23	vector	vector	NOUN
easat-11297	355	24	machine	machine	NOUN
easat-11297	355	25	for	for	ADP
easat-11297	355	26	the	the	DET
easat-11297	355	27	credit	credit	NOUN
easat-11297	355	28	risk	risk	NOUN
easat-11297	355	29	assessment	assessment	NOUN
easat-11297	355	30	of	of	ADP
easat-11297	355	31	supply	supply	NOUN
easat-11297	355	32	chain	chain	NOUN
easat-11297	355	33	finance	finance	NOUN
easat-11297	355	34	,	,	PUNCT
easat-11297	355	35	"	"	PUNCT
easat-11297	355	36	research	research	NOUN
easat-11297	355	37	in	in	ADP
easat-11297	355	38	international	international	ADJ
easat-11297	355	39	business	business	NOUN
easat-11297	355	40	and	and	CCONJ
easat-11297	355	41	finance	finance	NOUN
easat-11297	355	42	,	,	PUNCT
easat-11297	355	43	vol	vol	NOUN
easat-11297	355	44	.	.	PROPN
easat-11297	356	1	58	58	NUM
easat-11297	356	2	,	,	PUNCT
easat-11297	357	1	p.	p.	NOUN
easat-11297	357	2	101482	101482	NUM
easat-11297	357	3	,	,	PUNCT
easat-11297	357	4	2021	2021	NUM
easat-11297	357	5	.	.	PUNCT
easat-11297	358	1	https://doi.org/10.1016/j.ribaf.2021.101482	https://doi.org/10.1016/j.ribaf.2021.101482	PROPN
easat-11297	358	2	[	[	X
easat-11297	358	3	4	4	X
easat-11297	358	4	]	]	PUNCT
easat-11297	358	5	s.	s.	PROPN
easat-11297	358	6	bhatore	bhatore	PROPN
easat-11297	358	7	,	,	PUNCT
easat-11297	358	8	l.	l.	PROPN
easat-11297	358	9	mohan	mohan	PROPN
easat-11297	358	10	,	,	PUNCT
easat-11297	358	11	and	and	CCONJ
easat-11297	358	12	y.	y.	PROPN
easat-11297	358	13	r.	r.	PROPN
easat-11297	358	14	reddy	reddy	PROPN
easat-11297	358	15	,	,	PUNCT
easat-11297	358	16	"	"	PUNCT
easat-11297	358	17	machine	machine	NOUN
easat-11297	358	18	learning	learn	VERB
easat-11297	358	19	techniques	technique	NOUN
easat-11297	358	20	for	for	ADP
easat-11297	358	21	credit	credit	NOUN
easat-11297	358	22	risk	risk	NOUN
easat-11297	358	23	evaluation	evaluation	NOUN
easat-11297	358	24	:	:	PUNCT
easat-11297	358	25	a	a	DET
easat-11297	358	26	systematic	systematic	ADJ
easat-11297	358	27	literature	literature	NOUN
easat-11297	358	28	review	review	NOUN
easat-11297	358	29	,	,	PUNCT
easat-11297	358	30	"	"	PUNCT
easat-11297	358	31	journal	journal	NOUN
easat-11297	358	32	of	of	ADP
easat-11297	358	33	banking	banking	NOUN
easat-11297	358	34	and	and	CCONJ
easat-11297	358	35	financial	financial	ADJ
easat-11297	358	36	technology	technology	NOUN
easat-11297	358	37	,	,	PUNCT
easat-11297	358	38	vol	vol	NOUN
easat-11297	358	39	.	.	PROPN
easat-11297	358	40	4	4	NUM
easat-11297	358	41	,	,	PUNCT
easat-11297	358	42	no	no	INTJ
easat-11297	358	43	.	.	NOUN
easat-11297	358	44	1	1	NUM
easat-11297	358	45	,	,	PUNCT
easat-11297	358	46	pp	pp	ADJ
easat-11297	358	47	.	.	PUNCT
easat-11297	358	48	111	111	NUM
easat-11297	358	49	-	-	SYM
easat-11297	358	50	138	138	NUM
easat-11297	358	51	,	,	PUNCT
easat-11297	358	52	2020	2020	NUM
easat-11297	358	53	.	.	PUNCT
easat-11297	359	1	https://doi.org/10.1007/s42786-020-00020-3	https://doi.org/10.1007/s42786-020-00020-3	NUM
easat-11297	360	1	[	[	X
easat-11297	360	2	5	5	X
easat-11297	360	3	]	]	X
easat-11297	360	4	y.	y.	PROPN
easat-11297	360	5	huang	huang	PROPN
easat-11297	360	6	,	,	PUNCT
easat-11297	360	7	l.	l.	PROPN
easat-11297	360	8	zhang	zhang	PROPN
easat-11297	360	9	,	,	PUNCT
easat-11297	360	10	z.	z.	PROPN
easat-11297	360	11	li	li	PROPN
easat-11297	360	12	,	,	PUNCT
easat-11297	360	13	h.	h.	PROPN
easat-11297	360	14	qiu	qiu	PROPN
easat-11297	360	15	,	,	PUNCT
easat-11297	360	16	t.	t.	PROPN
easat-11297	360	17	sun	sun	PROPN
easat-11297	360	18	,	,	PUNCT
easat-11297	360	19	and	and	CCONJ
easat-11297	360	20	x.	x.	NOUN
easat-11297	360	21	wang	wang	PROPN
easat-11297	360	22	,	,	PUNCT
easat-11297	360	23	"	"	PUNCT
easat-11297	360	24	fintech	fintech	NOUN
easat-11297	360	25	credit	credit	NOUN
easat-11297	360	26	risk	risk	NOUN
easat-11297	360	27	assessment	assessment	NOUN
easat-11297	360	28	for	for	ADP
easat-11297	360	29	smes	sme	NOUN
easat-11297	360	30	:	:	PUNCT
easat-11297	360	31	evidence	evidence	NOUN
easat-11297	360	32	from	from	ADP
easat-11297	360	33	china	china	PROPN
easat-11297	360	34	,	,	PUNCT
easat-11297	360	35	"	"	PUNCT
easat-11297	360	36	imf	imf	PROPN
easat-11297	360	37	working	working	PROPN
easat-11297	360	38	paper	paper	NOUN
easat-11297	360	39	no	no	INTJ
easat-11297	360	40	.	.	PUNCT
easat-11297	361	1	2020/193	2020/193	NUM
easat-11297	361	2	.	.	PUNCT
easat-11297	362	1	international	international	ADJ
easat-11297	362	2	monetary	monetary	ADJ
easat-11297	362	3	fund	fund	NOUN
easat-11297	362	4	,	,	PUNCT
easat-11297	362	5	2020	2020	NUM
easat-11297	362	6	.	.	PUNCT
easat-11297	363	1	[	[	X
easat-11297	363	2	6	6	NUM
easat-11297	363	3	]	]	PUNCT
easat-11297	363	4	a.	a.	NOUN
easat-11297	363	5	o.	o.	PROPN
easat-11297	363	6	scott	scott	PROPN
easat-11297	363	7	,	,	PUNCT
easat-11297	363	8	p.	p.	PROPN
easat-11297	363	9	amajuoyi	amajuoyi	PROPN
easat-11297	363	10	,	,	PUNCT
easat-11297	363	11	and	and	CCONJ
easat-11297	363	12	k.	k.	PROPN
easat-11297	363	13	b.	b.	PROPN
easat-11297	363	14	adeusi	adeusi	PROPN
easat-11297	363	15	,	,	PUNCT
easat-11297	363	16	"	"	PUNCT
easat-11297	363	17	advanced	advanced	ADJ
easat-11297	363	18	risk	risk	NOUN
easat-11297	363	19	management	management	NOUN
easat-11297	363	20	solutions	solution	NOUN
easat-11297	363	21	for	for	ADP
easat-11297	363	22	mitigating	mitigate	VERB
easat-11297	363	23	credit	credit	NOUN
easat-11297	363	24	risk	risk	NOUN
easat-11297	363	25	in	in	ADP
easat-11297	363	26	financial	financial	ADJ
easat-11297	363	27	operations	operation	NOUN
easat-11297	363	28	,	,	PUNCT
easat-11297	363	29	"	"	PUNCT
easat-11297	363	30	magna	magna	PROPN
easat-11297	363	31	scientia	scientia	PROPN
easat-11297	363	32	advanced	advanced	PROPN
easat-11297	363	33	research	research	NOUN
easat-11297	363	34	and	and	CCONJ
easat-11297	363	35	reviews	review	NOUN
easat-11297	363	36	,	,	PUNCT
easat-11297	363	37	vol	vol	NOUN
easat-11297	363	38	.	.	PROPN
easat-11297	363	39	11	11	NUM
easat-11297	363	40	,	,	PUNCT
easat-11297	363	41	no	no	INTJ
easat-11297	363	42	.	.	NOUN
easat-11297	363	43	1	1	NUM
easat-11297	363	44	,	,	PUNCT
easat-11297	363	45	pp	pp	ADJ
easat-11297	363	46	.	.	PUNCT
easat-11297	363	47	212	212	NUM
easat-11297	363	48	-	-	SYM
easat-11297	363	49	223	223	NUM
easat-11297	363	50	,	,	PUNCT
easat-11297	363	51	2024	2024	NUM
easat-11297	363	52	.	.	PUNCT
easat-11297	364	1	[	[	X
easat-11297	364	2	7	7	X
easat-11297	364	3	]	]	X
easat-11297	364	4	m.	m.	NOUN
easat-11297	364	5	barua	barua	PROPN
easat-11297	364	6	,	,	PUNCT
easat-11297	364	7	t.	t.	PROPN
easat-11297	364	8	kumar	kumar	PROPN
easat-11297	364	9	,	,	PUNCT
easat-11297	364	10	k.	k.	PROPN
easat-11297	364	11	raj	raj	PROPN
easat-11297	364	12	,	,	PUNCT
easat-11297	364	13	and	and	CCONJ
easat-11297	364	14	a.	a.	PROPN
easat-11297	364	15	m.	m.	PROPN
easat-11297	364	16	roy	roy	PROPN
easat-11297	364	17	,	,	PUNCT
easat-11297	364	18	"	"	PUNCT
easat-11297	364	19	comparative	comparative	ADJ
easat-11297	364	20	analysis	analysis	NOUN
easat-11297	364	21	of	of	ADP
easat-11297	364	22	deep	deep	ADJ
easat-11297	364	23	learning	learning	NOUN
easat-11297	364	24	models	model	NOUN
easat-11297	364	25	for	for	ADP
easat-11297	364	26	stock	stock	NOUN
easat-11297	364	27	price	price	NOUN
easat-11297	364	28	prediction	prediction	NOUN
easat-11297	364	29	in	in	ADP
easat-11297	364	30	the	the	DET
easat-11297	364	31	indian	indian	ADJ
easat-11297	364	32	marketa	marketa	NOUN
easat-11297	364	33	,	,	PUNCT
easat-11297	364	34	"	"	PUNCT
easat-11297	364	35	fintech	fintech	NOUN
easat-11297	364	36	,	,	PUNCT
easat-11297	364	37	vol	vol	NOUN
easat-11297	364	38	.	.	PROPN
easat-11297	364	39	3	3	NUM
easat-11297	364	40	,	,	PUNCT
easat-11297	364	41	no	no	INTJ
easat-11297	364	42	.	.	NOUN
easat-11297	364	43	4	4	NUM
easat-11297	364	44	,	,	PUNCT
easat-11297	364	45	pp	pp	ADJ
easat-11297	364	46	.	.	PUNCT
easat-11297	365	1	551	551	NUM
easat-11297	365	2	-	-	SYM
easat-11297	365	3	568	568	NUM
easat-11297	365	4	,	,	PUNCT
easat-11297	365	5	2024	2024	NUM
easat-11297	365	6	.	.	PUNCT
easat-11297	366	1	https://doi.org/10.3390/fintech3040029	https://doi.org/10.3390/fintech3040029	PROPN
easat-11297	366	2	[	[	X
easat-11297	366	3	8	8	NUM
easat-11297	366	4	]	]	PUNCT
easat-11297	366	5	x.	x.	NOUN
easat-11297	366	6	dong	dong	PROPN
easat-11297	366	7	,	,	PUNCT
easat-11297	366	8	z.	z.	PROPN
easat-11297	366	9	yu	yu	PROPN
easat-11297	366	10	,	,	PUNCT
easat-11297	366	11	w.	w.	PROPN
easat-11297	366	12	cao	cao	PROPN
easat-11297	366	13	,	,	PUNCT
easat-11297	366	14	y.	y.	PROPN
easat-11297	366	15	shi	shi	PROPN
easat-11297	366	16	,	,	PUNCT
easat-11297	366	17	and	and	CCONJ
easat-11297	366	18	q.	q.	PROPN
easat-11297	366	19	ma	ma	PROPN
easat-11297	366	20	,	,	PUNCT
easat-11297	366	21	"	"	PUNCT
easat-11297	366	22	a	a	DET
easat-11297	366	23	survey	survey	NOUN
easat-11297	366	24	on	on	ADP
easat-11297	366	25	ensemble	ensemble	ADJ
easat-11297	366	26	learning	learning	NOUN
easat-11297	366	27	,	,	PUNCT
easat-11297	366	28	"	"	PUNCT
easat-11297	366	29	frontiers	frontier	NOUN
easat-11297	366	30	of	of	ADP
easat-11297	366	31	computer	computer	NOUN
easat-11297	366	32	science	science	NOUN
easat-11297	366	33	,	,	PUNCT
easat-11297	366	34	vol	vol	NOUN
easat-11297	366	35	.	.	PROPN
easat-11297	366	36	14	14	NUM
easat-11297	366	37	,	,	PUNCT
easat-11297	366	38	no	no	INTJ
easat-11297	366	39	.	.	NOUN
easat-11297	366	40	2	2	NUM
easat-11297	366	41	,	,	PUNCT
easat-11297	366	42	pp	pp	ADJ
easat-11297	366	43	.	.	PUNCT
easat-11297	367	1	241	241	NUM
easat-11297	367	2	-	-	SYM
easat-11297	367	3	258	258	NUM
easat-11297	367	4	,	,	PUNCT
easat-11297	367	5	2020	2020	NUM
easat-11297	367	6	.	.	PUNCT
easat-11297	368	1	https://doi.org/https://doi.org/10.1007/s11704-019-8208-z	https://doi.org/https://doi.org/10.1007/s11704-019-8208-z	PROPN
easat-11297	369	1	[	[	X
easat-11297	369	2	9	9	NUM
easat-11297	369	3	]	]	PUNCT
easat-11297	369	4	t.	t.	PROPN
easat-11297	369	5	kumar	kumar	PROPN
easat-11297	369	6	,	,	PUNCT
easat-11297	369	7	r.	r.	PROPN
easat-11297	369	8	brennan	brennan	PROPN
easat-11297	369	9	,	,	PUNCT
easat-11297	369	10	a.	a.	NOUN
easat-11297	369	11	mileo	mileo	PROPN
easat-11297	369	12	,	,	PUNCT
easat-11297	369	13	and	and	CCONJ
easat-11297	369	14	m.	m.	NOUN
easat-11297	369	15	bendechache	bendechache	PROPN
easat-11297	369	16	,	,	PUNCT
easat-11297	369	17	"	"	PUNCT
easat-11297	369	18	image	image	NOUN
easat-11297	369	19	data	datum	NOUN
easat-11297	369	20	augmentation	augmentation	NOUN
easat-11297	369	21	approaches	approach	VERB
easat-11297	369	22	:	:	PUNCT
easat-11297	369	23	a	a	DET
easat-11297	369	24	comprehensive	comprehensive	ADJ
easat-11297	369	25	survey	survey	NOUN
easat-11297	369	26	and	and	CCONJ
easat-11297	369	27	future	future	ADJ
easat-11297	369	28	directions	direction	NOUN
easat-11297	369	29	,	,	PUNCT
easat-11297	369	30	"	"	PUNCT
easat-11297	369	31	ieee	ieee	NOUN
easat-11297	369	32	access	access	NOUN
easat-11297	369	33	,	,	PUNCT
easat-11297	369	34	vol	vol	NOUN
easat-11297	369	35	.	.	PROPN
easat-11297	370	1	12	12	NUM
easat-11297	370	2	,	,	PUNCT
easat-11297	370	3	pp	pp	ADJ
easat-11297	370	4	.	.	PUNCT
easat-11297	371	1	187536	187536	NUM
easat-11297	371	2	187571	187571	NUM
easat-11297	371	3	,	,	PUNCT
easat-11297	371	4	2024	2024	NUM
easat-11297	371	5	.	.	PUNCT
easat-11297	372	1	https://doi.org/10.1109/access.2024.3470122	https://doi.org/10.1109/access.2024.3470122	X
easat-11297	373	1	[	[	X
easat-11297	373	2	10	10	NUM
easat-11297	373	3	]	]	X
easat-11297	373	4	p.	p.	NOUN
easat-11297	373	5	trivedi	trivedi	PROPN
easat-11297	373	6	,	,	PUNCT
easat-11297	373	7	"	"	PUNCT
easat-11297	373	8	india	india	PROPN
easat-11297	373	9	’s	’s	PART
easat-11297	373	10	response	response	NOUN
easat-11297	373	11	to	to	ADP
easat-11297	373	12	coronavirus	coronavirus	NOUN
easat-11297	373	13	pandemic	pandemic	ADJ
easat-11297	373	14	:	:	PUNCT
easat-11297	373	15	nine	nine	NUM
easat-11297	373	16	lessons	lesson	NOUN
easat-11297	373	17	for	for	ADP
easat-11297	373	18	effective	effective	ADJ
easat-11297	373	19	public	public	ADJ
easat-11297	373	20	management	management	NOUN
easat-11297	373	21	,	,	PUNCT
easat-11297	373	22	"	"	PUNCT
easat-11297	373	23	the	the	DET
easat-11297	373	24	american	american	PROPN
easat-11297	373	25	review	review	PROPN
easat-11297	373	26	of	of	ADP
easat-11297	373	27	public	public	ADJ
easat-11297	373	28	administration	administration	NOUN
easat-11297	373	29	,	,	PUNCT
easat-11297	373	30	vol	vol	NOUN
easat-11297	373	31	.	.	PROPN
easat-11297	374	1	50	50	NUM
easat-11297	374	2	,	,	PUNCT
easat-11297	374	3	no	no	INTJ
easat-11297	374	4	.	.	NOUN
easat-11297	374	5	6	6	NUM
easat-11297	374	6	-	-	SYM
easat-11297	374	7	7	7	NUM
easat-11297	374	8	,	,	PUNCT
easat-11297	374	9	pp	pp	ADJ
easat-11297	374	10	.	.	PUNCT
easat-11297	375	1	725	725	NUM
easat-11297	375	2	-	-	SYM
easat-11297	375	3	728	728	NUM
easat-11297	375	4	,	,	PUNCT
easat-11297	375	5	2020	2020	NUM
easat-11297	375	6	.	.	PUNCT
easat-11297	376	1	[	[	X
easat-11297	376	2	11	11	NUM
easat-11297	376	3	]	]	PUNCT
easat-11297	376	4	m.	m.	NOUN
easat-11297	376	5	bücker	bücker	NOUN
easat-11297	376	6	,	,	PUNCT
easat-11297	376	7	g.	g.	PROPN
easat-11297	376	8	szepannek	szepannek	NOUN
easat-11297	376	9	,	,	PUNCT
easat-11297	376	10	a.	a.	NOUN
easat-11297	376	11	gosiewska	gosiewska	NOUN
easat-11297	376	12	,	,	PUNCT
easat-11297	376	13	and	and	CCONJ
easat-11297	376	14	p.	p.	PROPN
easat-11297	376	15	biecek	biecek	PROPN
easat-11297	376	16	,	,	PUNCT
easat-11297	376	17	"	"	PUNCT
easat-11297	376	18	transparency	transparency	NOUN
easat-11297	376	19	,	,	PUNCT
easat-11297	376	20	auditability	auditability	NOUN
easat-11297	376	21	,	,	PUNCT
easat-11297	376	22	and	and	CCONJ
easat-11297	376	23	explainability	explainability	NOUN
easat-11297	376	24	of	of	ADP
easat-11297	376	25	machine	machine	NOUN
easat-11297	376	26	learning	learning	NOUN
easat-11297	376	27	models	model	NOUN
easat-11297	376	28	in	in	ADP
easat-11297	376	29	credit	credit	NOUN
easat-11297	376	30	scoring	scoring	NOUN
easat-11297	376	31	,	,	PUNCT
easat-11297	376	32	"	"	PUNCT
easat-11297	376	33	journal	journal	NOUN
easat-11297	376	34	of	of	ADP
easat-11297	376	35	the	the	DET
easat-11297	376	36	operational	operational	ADJ
easat-11297	376	37	research	research	NOUN
easat-11297	376	38	society	society	NOUN
easat-11297	376	39	,	,	PUNCT
easat-11297	376	40	vol	vol	NOUN
easat-11297	376	41	.	.	PROPN
easat-11297	376	42	73	73	NUM
easat-11297	376	43	,	,	PUNCT
easat-11297	376	44	no	no	INTJ
easat-11297	376	45	.	.	NOUN
easat-11297	376	46	1	1	NUM
easat-11297	376	47	,	,	PUNCT
easat-11297	376	48	pp	pp	ADJ
easat-11297	376	49	.	.	PUNCT
easat-11297	377	1	70	70	NUM
easat-11297	377	2	-	-	SYM
easat-11297	377	3	90	90	NUM
easat-11297	377	4	,	,	PUNCT
easat-11297	377	5	2022	2022	NUM
easat-11297	377	6	.	.	PUNCT
easat-11297	378	1	https://doi.org/10.1080/01605682.2021.1922098	https://doi.org/10.1080/01605682.2021.1922098	PUNCT
easat-11297	379	1	[	[	X
easat-11297	379	2	12	12	NUM
easat-11297	379	3	]	]	X
easat-11297	379	4	n.	n.	NOUN
easat-11297	379	5	bussmann	bussmann	PROPN
easat-11297	379	6	,	,	PUNCT
easat-11297	379	7	p.	p.	PROPN
easat-11297	379	8	giudici	giudici	PROPN
easat-11297	379	9	,	,	PUNCT
easat-11297	379	10	d.	d.	PROPN
easat-11297	379	11	marinelli	marinelli	PROPN
easat-11297	379	12	,	,	PUNCT
easat-11297	379	13	and	and	CCONJ
easat-11297	379	14	j.	j.	PROPN
easat-11297	379	15	papenbrock	papenbrock	PROPN
easat-11297	379	16	,	,	PUNCT
easat-11297	379	17	"	"	PUNCT
easat-11297	379	18	explainable	explainable	ADJ
easat-11297	379	19	machine	machine	NOUN
easat-11297	379	20	learning	learning	NOUN
easat-11297	379	21	in	in	ADP
easat-11297	379	22	credit	credit	NOUN
easat-11297	379	23	risk	risk	NOUN
easat-11297	379	24	management	management	NOUN
easat-11297	379	25	,	,	PUNCT
easat-11297	379	26	"	"	PUNCT
easat-11297	379	27	computational	computational	ADJ
easat-11297	379	28	economics	economic	NOUN
easat-11297	379	29	,	,	PUNCT
easat-11297	379	30	vol	vol	NOUN
easat-11297	379	31	.	.	PROPN
easat-11297	379	32	57	57	NUM
easat-11297	379	33	,	,	PUNCT
easat-11297	379	34	no	no	INTJ
easat-11297	379	35	.	.	NOUN
easat-11297	379	36	1	1	NUM
easat-11297	379	37	,	,	PUNCT
easat-11297	379	38	pp	pp	ADJ
easat-11297	379	39	.	.	PUNCT
easat-11297	380	1	203	203	NUM
easat-11297	380	2	-	-	SYM
easat-11297	380	3	216	216	NUM
easat-11297	380	4	,	,	PUNCT
easat-11297	380	5	2021	2021	NUM
easat-11297	380	6	.	.	PUNCT
easat-11297	381	1	https://doi.org/10.1007/s10614-020-10042-0	https://doi.org/10.1007/s10614-020-10042-0	NUM
easat-11297	382	1	[	[	X
easat-11297	382	2	13	13	NUM
easat-11297	382	3	]	]	PUNCT
easat-11297	382	4	l.	l.	PROPN
easat-11297	382	5	alzubaidi	alzubaidi	PROPN
easat-11297	382	6	et	et	PROPN
easat-11297	382	7	al	al	PROPN
easat-11297	382	8	.	.	PROPN
easat-11297	382	9	,	,	PUNCT
easat-11297	382	10	"	"	PUNCT
easat-11297	382	11	a	a	DET
easat-11297	382	12	survey	survey	NOUN
easat-11297	382	13	on	on	ADP
easat-11297	382	14	deep	deep	ADJ
easat-11297	382	15	learning	learning	NOUN
easat-11297	382	16	tools	tool	NOUN
easat-11297	382	17	dealing	deal	VERB
easat-11297	382	18	with	with	ADP
easat-11297	382	19	data	datum	NOUN
easat-11297	382	20	scarcity	scarcity	NOUN
easat-11297	382	21	:	:	PUNCT
easat-11297	382	22	definitions	definition	NOUN
easat-11297	382	23	,	,	PUNCT
easat-11297	382	24	challenges	challenge	NOUN
easat-11297	382	25	,	,	PUNCT
easat-11297	382	26	solutions	solution	NOUN
easat-11297	382	27	,	,	PUNCT
easat-11297	382	28	tips	tip	NOUN
easat-11297	382	29	,	,	PUNCT
easat-11297	382	30	and	and	CCONJ
easat-11297	382	31	applications	application	NOUN
easat-11297	382	32	,	,	PUNCT
easat-11297	382	33	"	"	PUNCT
easat-11297	382	34	journal	journal	NOUN
easat-11297	382	35	of	of	ADP
easat-11297	382	36	big	big	ADJ
easat-11297	382	37	data	datum	NOUN
easat-11297	382	38	,	,	PUNCT
easat-11297	382	39	vol	vol	NOUN
easat-11297	382	40	.	.	PROPN
easat-11297	382	41	10	10	NUM
easat-11297	382	42	,	,	PUNCT
easat-11297	382	43	p.	p.	NOUN
easat-11297	382	44	46	46	NUM
easat-11297	382	45	,	,	PUNCT
easat-11297	382	46	2023	2023	NUM
easat-11297	382	47	.	.	PUNCT
easat-11297	383	1	https://doi.org/10.1186/s40537-023-00727-2	https://doi.org/10.1186/s40537-023-00727-2	NUM
easat-11297	384	1	[	[	X
easat-11297	384	2	14	14	NUM
easat-11297	384	3	]	]	PUNCT
easat-11297	384	4	x.	x.	NOUN
easat-11297	384	5	dastile	dastile	PROPN
easat-11297	384	6	,	,	PUNCT
easat-11297	384	7	t.	t.	PROPN
easat-11297	384	8	celik	celik	PROPN
easat-11297	384	9	,	,	PUNCT
easat-11297	384	10	and	and	CCONJ
easat-11297	384	11	m.	m.	NOUN
easat-11297	384	12	potsane	potsane	NOUN
easat-11297	384	13	,	,	PUNCT
easat-11297	384	14	"	"	PUNCT
easat-11297	384	15	statistical	statistical	ADJ
easat-11297	384	16	and	and	CCONJ
easat-11297	384	17	machine	machine	NOUN
easat-11297	384	18	learning	learning	NOUN
easat-11297	384	19	models	model	NOUN
easat-11297	384	20	in	in	ADP
easat-11297	384	21	credit	credit	NOUN
easat-11297	384	22	scoring	scoring	NOUN
easat-11297	384	23	:	:	PUNCT
easat-11297	384	24	a	a	DET
easat-11297	384	25	systematic	systematic	ADJ
easat-11297	384	26	literature	literature	NOUN
easat-11297	384	27	survey	survey	NOUN
easat-11297	384	28	,	,	PUNCT
easat-11297	384	29	"	"	PUNCT
easat-11297	384	30	applied	apply	VERB
easat-11297	384	31	soft	soft	ADJ
easat-11297	384	32	computing	computing	NOUN
easat-11297	384	33	,	,	PUNCT
easat-11297	384	34	vol	vol	NOUN
easat-11297	384	35	.	.	PROPN
easat-11297	384	36	91	91	NUM
easat-11297	384	37	,	,	PUNCT
easat-11297	384	38	p.	p.	NOUN
easat-11297	384	39	106263	106263	NUM
easat-11297	384	40	,	,	PUNCT
easat-11297	384	41	2020	2020	NUM
easat-11297	384	42	.	.	PUNCT
easat-11297	385	1	https://doi.org/10.1016/j.asoc.2020.106263	https://doi.org/10.1016/j.asoc.2020.106263	PROPN
easat-11297	385	2	[	[	X
easat-11297	385	3	15	15	NUM
easat-11297	385	4	]	]	PUNCT
easat-11297	385	5	t.	t.	PROPN
easat-11297	385	6	kumar	kumar	PROPN
easat-11297	385	7	,	,	PUNCT
easat-11297	385	8	j.	j.	PROPN
easat-11297	385	9	park	park	PROPN
easat-11297	385	10	,	,	PUNCT
easat-11297	385	11	m.	m.	PROPN
easat-11297	385	12	s.	s.	PROPN
easat-11297	385	13	ali	ali	PROPN
easat-11297	385	14	,	,	PUNCT
easat-11297	385	15	a.	a.	PROPN
easat-11297	385	16	s.	s.	PROPN
easat-11297	385	17	uddin	uddin	PROPN
easat-11297	385	18	,	,	PUNCT
easat-11297	385	19	j.	j.	PROPN
easat-11297	385	20	h.	h.	PROPN
easat-11297	385	21	ko	ko	PROPN
easat-11297	385	22	,	,	PUNCT
easat-11297	385	23	and	and	CCONJ
easat-11297	385	24	s.-h	s.-h	NOUN
easat-11297	385	25	.	.	PUNCT
easat-11297	386	1	bae	bae	NOUN
easat-11297	386	2	,	,	PUNCT
easat-11297	386	3	"	"	PUNCT
easat-11297	386	4	binary	binary	ADJ
easat-11297	386	5	-	-	PUNCT
easat-11297	386	6	classifiers	classifier	NOUN
easat-11297	386	7	-	-	PUNCT
easat-11297	386	8	enabled	enable	VERB
easat-11297	386	9	filters	filter	NOUN
easat-11297	386	10	for	for	ADP
easat-11297	386	11	semisupervised	semisupervised	ADJ
easat-11297	386	12	learning	learning	NOUN
easat-11297	386	13	,	,	PUNCT
easat-11297	386	14	"	"	PUNCT
easat-11297	386	15	ieee	ieee	NOUN
easat-11297	386	16	access	access	NOUN
easat-11297	386	17	,	,	PUNCT
easat-11297	386	18	vol	vol	NOUN
easat-11297	386	19	.	.	NOUN
easat-11297	386	20	9	9	NUM
easat-11297	386	21	,	,	PUNCT
easat-11297	386	22	pp	pp	ADJ
easat-11297	386	23	.	.	PUNCT
easat-11297	387	1	167663	167663	NUM
easat-11297	387	2	-	-	SYM
easat-11297	387	3	167673	167673	NUM
easat-11297	387	4	,	,	PUNCT
easat-11297	387	5	2021	2021	NUM
easat-11297	387	6	.	.	PUNCT
easat-11297	388	1	https://doi.org/10.1109/access.2021.3124200	https://doi.org/10.1109/access.2021.3124200	PROPN
easat-11297	388	2	[	[	X
easat-11297	388	3	16	16	NUM
easat-11297	388	4	]	]	PUNCT
easat-11297	388	5	j.	j.	PROPN
easat-11297	388	6	l.	l.	PROPN
easat-11297	388	7	breeden	breeden	PROPN
easat-11297	388	8	,	,	PUNCT
easat-11297	388	9	"	"	PUNCT
easat-11297	388	10	survey	survey	NOUN
easat-11297	388	11	of	of	ADP
easat-11297	388	12	machine	machine	NOUN
easat-11297	388	13	learning	learning	NOUN
easat-11297	388	14	in	in	ADP
easat-11297	388	15	credit	credit	NOUN
easat-11297	388	16	risk	risk	NOUN
easat-11297	388	17	,	,	PUNCT
easat-11297	388	18	"	"	PUNCT
easat-11297	388	19	available	available	ADJ
easat-11297	388	20	at	at	ADP
easat-11297	388	21	ssrn	ssrn	NOUN
easat-11297	388	22	3616342	3616342	NUM
easat-11297	388	23	,	,	PUNCT
easat-11297	388	24	2020	2020	NUM
easat-11297	388	25	.	.	PUNCT
easat-11297	388	26	http://dx.doi.org/10.2139/ssrn.3616342	http://dx.doi.org/10.2139/ssrn.3616342	X
easat-11297	389	1	[	[	X
easat-11297	389	2	17	17	NUM
easat-11297	389	3	]	]	PUNCT
easat-11297	389	4	p.	p.	NOUN
easat-11297	389	5	biecek	biecek	PROPN
easat-11297	389	6	et	et	PROPN
easat-11297	389	7	al	al	PROPN
easat-11297	389	8	.	.	PROPN
easat-11297	389	9	,	,	PUNCT
easat-11297	389	10	"	"	PUNCT
easat-11297	389	11	enabling	enable	VERB
easat-11297	389	12	machine	machine	NOUN
easat-11297	389	13	learning	learn	VERB
easat-11297	389	14	algorithms	algorithm	NOUN
easat-11297	389	15	for	for	ADP
easat-11297	389	16	credit	credit	NOUN
easat-11297	389	17	scoring	scoring	NOUN
easat-11297	389	18	--	--	PUNCT
easat-11297	389	19	explainable	explainable	ADJ
easat-11297	389	20	artificial	artificial	ADJ
easat-11297	389	21	intelligence	intelligence	NOUN
easat-11297	389	22	(	(	PUNCT
easat-11297	389	23	xai	xai	PROPN
easat-11297	389	24	)	)	PUNCT
easat-11297	389	25	methods	method	NOUN
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easat-11297	389	37	,	,	PUNCT
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easat-11297	390	1	https://doi.org/10.48550/arxiv.2104.06735	https://doi.org/10.48550/arxiv.2104.06735	PROPN
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easat-11297	391	2	18	18	NUM
easat-11297	391	3	]	]	PUNCT
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easat-11297	391	14	.	.	PUNCT
easat-11297	392	1	medium	medium	ADJ
easat-11297	392	2	,	,	PUNCT
easat-11297	392	3	"	"	PUNCT
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easat-11297	392	5	.	.	PUNCT
easat-11297	392	6	https://adwifiani.medium.com/creditscoring-flow-using-machine-learning-b08f011d0ec2	https://adwifiani.medium.com/creditscoring-flow-using-machine-learning-b08f011d0ec2	X
easat-11297	393	1	[	[	X
easat-11297	393	2	19	19	NUM
easat-11297	393	3	]	]	X
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easat-11297	393	20	d.	d.	PROPN
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easat-11297	394	2	-	-	SYM
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easat-11297	394	4	,	,	PUNCT
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easat-11297	394	6	.	.	PUNCT
easat-11297	395	1	https://doi.org/10.1007/s11277-021-09158-9	https://doi.org/10.1007/s11277-021-09158-9	NUM
easat-11297	396	1	[	[	X
easat-11297	396	2	20	20	NUM
easat-11297	396	3	]	]	PUNCT
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easat-11297	396	18	a	a	DET
easat-11297	396	19	comprehensive	comprehensive	ADJ
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easat-11297	396	29	sciences	science	NOUN
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easat-11297	396	32	.	.	PROPN
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easat-11297	397	2	,	,	PUNCT
easat-11297	397	3	no	no	INTJ
easat-11297	397	4	.	.	NOUN
easat-11297	397	5	2	2	NUM
easat-11297	397	6	,	,	PUNCT
easat-11297	397	7	pp	pp	ADJ
easat-11297	397	8	.	.	PUNCT
easat-11297	398	1	34	34	NUM
easat-11297	398	2	-	-	SYM
easat-11297	398	3	42	42	NUM
easat-11297	398	4	,	,	PUNCT
easat-11297	398	5	2024	2024	NUM
easat-11297	398	6	.	.	PUNCT
easat-11297	399	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
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easat-11297	399	31	.	.	PROPN
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easat-11297	400	2	,	,	PUNCT
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easat-11297	400	6	:	:	PUNCT
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easat-11297	400	8	-	-	SYM
easat-11297	400	9	147	147	NUM
easat-11297	400	10	,	,	PUNCT
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easat-11297	400	13	:	:	PUNCT
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easat-11297	400	15	-	-	SYM
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easat-11297	402	1	[	[	X
easat-11297	402	2	21	21	NUM
easat-11297	402	3	]	]	PUNCT
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easat-11297	402	5	a.	a.	NOUN
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easat-11297	402	8	m.	m.	PROPN
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easat-11297	402	11	a.	a.	PROPN
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easat-11297	402	27	:	:	PUNCT
easat-11297	402	28	a	a	DET
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easat-11297	402	41	,	,	PUNCT
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easat-11297	402	44	,	,	PUNCT
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easat-11297	402	46	.	.	PUNCT
easat-11297	403	1	https://doi.org/10.1016/j.engappai.2022.105151	https://doi.org/10.1016/j.engappai.2022.105151	NOUN
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easat-11297	403	10	,	,	PUNCT
easat-11297	403	11	"	"	PUNCT
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easat-11297	403	13	:	:	PUNCT
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easat-11297	403	26	"	"	PUNCT
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easat-11297	403	31	2022	2022	NUM
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easat-11297	404	1	https://doi.org/10.48550/arxiv.2206.03852	https://doi.org/10.48550/arxiv.2206.03852	X
easat-11297	405	1	[	[	X
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easat-11297	405	45	-	-	SYM
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easat-11297	405	47	,	,	PUNCT
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easat-11297	405	49	.	.	PUNCT
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easat-11297	407	13	:	:	PUNCT
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easat-11297	408	2	25	25	NUM
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easat-11297	408	29	on	on	ADP
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easat-11297	408	31	strength	strength	NOUN
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easat-11297	408	33	cylindrical	cylindrical	ADJ
easat-11297	408	34	column	column	NOUN
easat-11297	408	35	concrete	concrete	NOUN
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easat-11297	408	37	"	"	PUNCT
easat-11297	408	38	journal	journal	NOUN
easat-11297	408	39	of	of	ADP
easat-11297	408	40	applied	apply	VERB
easat-11297	408	41	engineering	engineering	NOUN
easat-11297	408	42	and	and	CCONJ
easat-11297	408	43	technological	technological	ADJ
easat-11297	408	44	science	science	NOUN
easat-11297	408	45	,	,	PUNCT
easat-11297	408	46	vol	vol	NOUN
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easat-11297	408	48	5	5	NUM
easat-11297	408	49	,	,	PUNCT
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easat-11297	408	52	1	1	NUM
easat-11297	408	53	,	,	PUNCT
easat-11297	408	54	pp	pp	ADJ
easat-11297	408	55	.	.	PUNCT
easat-11297	409	1	184	184	NUM
easat-11297	409	2	-	-	SYM
easat-11297	409	3	196	196	NUM
easat-11297	409	4	,	,	PUNCT
easat-11297	409	5	2023	2023	NUM
easat-11297	409	6	.	.	PUNCT
easat-11297	410	1	[	[	X
easat-11297	410	2	26	26	NUM
easat-11297	410	3	]	]	X
easat-11297	410	4	d.	d.	PROPN
easat-11297	410	5	thakran	thakran	VERB
easat-11297	410	6	,	,	PUNCT
easat-11297	410	7	"	"	PUNCT
easat-11297	410	8	boosting	boost	VERB
easat-11297	410	9	model	model	NOUN
easat-11297	410	10	accuracy	accuracy	NOUN
easat-11297	410	11	with	with	ADP
easat-11297	410	12	ensemble	ensemble	ADJ
easat-11297	410	13	learning	learning	NOUN
easat-11297	410	14	,	,	PUNCT
easat-11297	410	15	"	"	PUNCT
easat-11297	410	16	2024	2024	NUM
easat-11297	410	17	.	.	PUNCT
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easat-11297	411	2	[	[	X
easat-11297	411	3	27	27	NUM
easat-11297	411	4	]	]	PUNCT
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easat-11297	411	8	r.	r.	PROPN
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easat-11297	411	10	,	,	PUNCT
easat-11297	411	11	a.	a.	PROPN
easat-11297	411	12	srinivas	srinivas	PROPN
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easat-11297	411	14	i.	i.	PROPN
easat-11297	411	15	kavati	kavati	PROPN
easat-11297	411	16	,	,	PUNCT
easat-11297	411	17	b.	b.	PROPN
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easat-11297	411	20	and	and	CCONJ
easat-11297	411	21	p.	p.	PROPN
easat-11297	411	22	kodali	kodali	PROPN
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easat-11297	411	24	"	"	PUNCT
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easat-11297	411	26	ensemble	ensemble	ADJ
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easat-11297	411	28	through	through	ADP
easat-11297	411	29	diversity	diversity	NOUN
easat-11297	411	30	using	use	VERB
easat-11297	411	31	k	k	NOUN
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easat-11297	411	39	"	"	PUNCT
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easat-11297	411	41	2024	2024	NUM
easat-11297	411	42	ieee	ieee	NOUN
easat-11297	411	43	international	international	ADJ
easat-11297	411	44	conference	conference	NOUN
easat-11297	411	45	on	on	ADP
easat-11297	411	46	electronics	electronic	NOUN
easat-11297	411	47	,	,	PUNCT
easat-11297	411	48	computing	computing	NOUN
easat-11297	411	49	and	and	CCONJ
easat-11297	411	50	communication	communication	NOUN
easat-11297	411	51	technologies	technology	NOUN
easat-11297	411	52	(	(	PUNCT
easat-11297	411	53	conecct	conecct	NOUN
easat-11297	411	54	)	)	PUNCT
easat-11297	411	55	(	(	PUNCT
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easat-11297	411	57	.	.	PUNCT
easat-11297	412	1	1	1	NUM
easat-11297	412	2	-	-	SYM
easat-11297	412	3	6	6	NUM
easat-11297	412	4	)	)	PUNCT
easat-11297	412	5	.	.	PUNCT
easat-11297	413	1	ieee	ieee	NOUN
easat-11297	413	2	,	,	PUNCT
easat-11297	413	3	2024	2024	NUM
easat-11297	413	4	.	.	PUNCT
easat-11297	414	1	[	[	X
easat-11297	414	2	28	28	NUM
easat-11297	414	3	]	]	X
easat-11297	414	4	s.	s.	PROPN
easat-11297	414	5	tiwari	tiwari	PROPN
easat-11297	414	6	,	,	PUNCT
easat-11297	414	7	"	"	PUNCT
easat-11297	414	8	complete	complete	ADJ
easat-11297	414	9	guide	guide	NOUN
easat-11297	414	10	to	to	ADP
easat-11297	414	11	machine	machine	NOUN
easat-11297	414	12	learning	learn	VERB
easat-11297	414	13	evaluation	evaluation	NOUN
easat-11297	414	14	metrics	metric	NOUN
easat-11297	414	15	,	,	PUNCT
easat-11297	414	16	"	"	PUNCT
easat-11297	414	17	2024	2024	NUM
easat-11297	414	18	.	.	PUNCT
easat-11297	415	1	https://medium.com/analyticsvidhya/530complete-guide-to-machine-learning-evaluation-metrics-615c2864d916	https://medium.com/analyticsvidhya/530complete-guide-to-machine-learning-evaluation-metrics-615c2864d916	PROPN
easat-11297	415	2	https://doi.org/10.1016/j.engappai.2022.105151	https://doi.org/10.1016/j.engappai.2022.105151	PROPN
easat-11297	415	3	https://doi.org/10.48550/arxiv.2206.03852	https://doi.org/10.48550/arxiv.2206.03852	PROPN
easat-11297	415	4	https://doi.org/10.1016/j.eswa.2010.06.048	https://doi.org/10.1016/j.eswa.2010.06.048	NOUN
easat-11297	415	5	https://medium.com/@thakrandisharth/528boosting-model-accuracy-with-ensemble-learning-2742f360ae0	https://medium.com/@thakrandisharth/528boosting-model-accuracy-with-ensemble-learning-2742f360ae0	VERB
easat-11297	415	6	https://medium.com/analytics-vidhya/530complete-guide-to-machine-learning-evaluation-metrics-615c2864d916	https://medium.com/analytics-vidhya/530complete-guide-to-machine-learning-evaluation-metrics-615c2864d916	NUM
easat-11297	415	7	https://medium.com/analytics-vidhya/530complete-guide-to-machine-learning-evaluation-metrics-615c2864d916	https://medium.com/analytics-vidhya/530complete-guide-to-machine-learning-evaluation-metrics-615c2864d916	NOUN