A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors

This study aims to reveal the predictors of individuals’ financial behavior associated with credit default for accurate and reliable credit risk assessment. Within the scope of credit use research, a systematic review of 108 studies was performed. Among the reviewed studies, a fair number have analy...

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Autores principales:	Büşra Alma Çallı, Erman Coşkun
Formato:	article
Lenguaje:	EN
Publicado:	SAGE Publishing 2021
Materias:	History of scholarship and learning. The humanities AZ20-999 Social Sciences H
Acceso en línea:	https://doaj.org/article/4510e884a0c449bd9ede8c41b9c3045a
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spelling	oai:doaj.org-article:4510e884a0c449bd9ede8c41b9c3045a2021-12-02T02:04:27ZA Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors2158-244010.1177/21582440211061333https://doaj.org/article/4510e884a0c449bd9ede8c41b9c3045a2021-11-01T00:00:00Zhttps://doi.org/10.1177/21582440211061333https://doaj.org/toc/2158-2440This study aims to reveal the predictors of individuals’ financial behavior associated with credit default for accurate and reliable credit risk assessment. Within the scope of credit use research, a systematic review of 108 studies was performed. Among the reviewed studies, a fair number have analyzed the determinants of default and delinquency. A remarkable number has examined the factors affecting outstanding and problematic debt levels, and some have investigated the financial behavior in terms of responsibility, debt repayment, and credit misuse. A wide range of socioeconomic, demographic, psychological, situational, and behavioral factors was explored, and their role in predicting the investigated outcome domain at various time-points was analyzed. The main analysis techniques and mix of predictors in papers also differed based on different time periods. While the synthesis of findings revealed some strong and consistent predictors for each outcome variable, mixed results were obtained for some factors. Additionally, a cluster of new practices that includes a wide range of alternative factors to improve prediction accuracies were uncovered. Study findings revealed a paradigm shift regarding the use of non-traditional data sources, especially big data, and novel techniques.Büşra Alma ÇallıErman CoşkunSAGE PublishingarticleHistory of scholarship and learning. The humanitiesAZ20-999Social SciencesHENSAGE Open, Vol 11 (2021)
institution	DOAJ
collection	DOAJ
language	EN
topic	History of scholarship and learning. The humanities AZ20-999 Social Sciences H
spellingShingle	History of scholarship and learning. The humanities AZ20-999 Social Sciences H Büşra Alma Çallı Erman Coşkun A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors
description	This study aims to reveal the predictors of individuals’ financial behavior associated with credit default for accurate and reliable credit risk assessment. Within the scope of credit use research, a systematic review of 108 studies was performed. Among the reviewed studies, a fair number have analyzed the determinants of default and delinquency. A remarkable number has examined the factors affecting outstanding and problematic debt levels, and some have investigated the financial behavior in terms of responsibility, debt repayment, and credit misuse. A wide range of socioeconomic, demographic, psychological, situational, and behavioral factors was explored, and their role in predicting the investigated outcome domain at various time-points was analyzed. The main analysis techniques and mix of predictors in papers also differed based on different time periods. While the synthesis of findings revealed some strong and consistent predictors for each outcome variable, mixed results were obtained for some factors. Additionally, a cluster of new practices that includes a wide range of alternative factors to improve prediction accuracies were uncovered. Study findings revealed a paradigm shift regarding the use of non-traditional data sources, especially big data, and novel techniques.
format	article
author	Büşra Alma Çallı Erman Coşkun
author_facet	Büşra Alma Çallı Erman Coşkun
author_sort	Büşra Alma Çallı
title	A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors
title_short	A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors
title_full	A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors
title_fullStr	A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors
title_full_unstemmed	A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors
title_sort	longitudinal systematic review of credit risk assessment and credit default predictors
publisher	SAGE Publishing
publishDate	2021
url	https://doaj.org/article/4510e884a0c449bd9ede8c41b9c3045a
work_keys_str_mv	AT busraalmacallı alongitudinalsystematicreviewofcreditriskassessmentandcreditdefaultpredictors AT ermancoskun alongitudinalsystematicreviewofcreditriskassessmentandcreditdefaultpredictors AT busraalmacallı longitudinalsystematicreviewofcreditriskassessmentandcreditdefaultpredictors AT ermancoskun longitudinalsystematicreviewofcreditriskassessmentandcreditdefaultpredictors
_version_	1718402705757569024

A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors

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