Predictive Analytics for Credit Risk Assessment in Peer-to-Peer Lending Platforms

Obadimu, Femi Benjamin (2024) Predictive Analytics for Credit Risk Assessment in Peer-to-Peer Lending Platforms. Masters thesis, Dublin, National College of Ireland.

Preview	PDF (Master of Science) Download (585kB) | Preview
Preview	PDF (Configuration Manual) Download (625kB) | Preview

Abstract

Over the years, the continuous development of Fintech has accelerated the rapid growth of the P2P online lending market by presenting a unique platform for investment and effectively matching borrowers directly with lenders on the social lending platform. However, these online lending platforms have experienced a very high rate of default over the years which can lead to a potential reduction in the number of investors on the platform. This research study is carried out with the sole aim of indicating crucial variables to be considered during credit risk assessment by investors to make informed decisions and effectively reduce loan defaults and increase return on investment. This will be achieved by utilizing the data on the Bondora peer-to-peer lending platform which operates across Europe with its headquarters in Estonia. To achieve this result, three machine learning models will be utilized to rank these features according to the order of importance and build a robust credit scoring model. The machine learning used to rank the variables on the Bondora lending platform and build a robust credit risk assessment model includes logistic regression, XG boost, and Random forest.

Item Type:	Thesis (Masters)
Supervisors:	Name Email Byrne, Brian UNSPECIFIED
Uncontrolled Keywords:	Peer-to-peer lending; Credit Risk Assessment; Bondora; Machine learning
Subjects:	H Social Sciences > HG Finance > Credit. Debt. Loans. H Social Sciences > HG Finance > Fintech T Technology > T Technology (General) > Information Technology > Fintech Q Science > Q Science (General) > Self-organizing systems. Conscious automata > Machine learning
Divisions:	School of Computing > Master of Science in FinTech
Depositing User:	Ciara O'Brien
Date Deposited:	05 Aug 2025 10:58
Last Modified:	05 Aug 2025 10:58
URI:	https://norma.ncirl.ie/id/eprint/8429

Actions (login required)

View Item