Table 6 Summary of the robustness test
| Â | Single-stage approach (baseline model) | Two-stage approach (proposed model) | T-statistics | P-value |
|---|---|---|---|---|
Alternative modeling techniques: Random Forest | ||||
 K-S statistics | 12.94 (0.81) | 14.88 (0.73) | 17.73 | < 0.001 |
 AUROC | 57.47 (0.55) | 58.18 (0.50) | 9.52 | < 0.001 |
Alternative modeling techniques: Neural network | ||||
 K-S statistics | 16.29 (0.63) | 16.61 (0.61) | 3.66 | < 0.001 |
 AUROC | 59.64 (0.40) | 59.84 (0.41) | 3.55 | < 0.001 |