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Table 1 Basic statistical properties of the features and the estimated results of the model

From: Two-stage credit scoring using Bayesian approach

Variable

Basic Statistical Properties

Model Fit Results

Mean (SD)

Skewness

Kurtosis

C

Z-stat

P-value

Constant

− 4.35

− 150.67

< 0.001

Change the name of account

− 0.006 (0.125)

− 7.68

62.46

1.00

2.81

0.005

Safe box balance change

− 0.005 (0.109)

− 3.36

9.40

1.05

3.22

0.001

click FAQ category in guide tab

− 0.001 (0.049)

7.07

48.01

1.33

2.67

0.008

Login

− 0.041 (0.286)

0.42

− 0.81

0.86

8.27

< 0.001

To-do card exposure count

− 0.037 (0.280)

− 0.43

− 0.69

0.72

6.22

< 0.001

Automatic recognition of customer identity

− 0.005 (0.117)

− 6.01

46.56

0.97

2.91

0.004

Registration

− 0.007 (0.117)

2.95

6.71

1.32

6.32

< 0.001

Click card use button of an on-demand account

− 0.004 (0.085)

3.15

8.22

1.26

4.13

 < 0.001

  1. C: coefficient; FAQ: frequently asked questions; OCR: optical character recognition; SD: standard deviation