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6/12/2018 Credit Scoring / Credit Rating / Customer Risk | KNIME

Credit Scoring / Credit Rating / Customer Risk


This workflow can be found on the KNIME EXAMPLES Server
under 50_Applications/02_Credit_Scoring/01_CreditScoring*
This KNIME workflow focuses on creating a credit scoring model based on historical data. As with
all data mining modeling activities, it is unclear in advance which analytic method is most suitable.
This workflow therefore uses three different methods simultaneously – Decision Trees, Neural
Networking and SVM – then automatically determines which model is most accurate and writes
that model out for further use.

This workflow manipulates the data so it is suitable for a variety of modeling techniques by
converting nominals to numerics. The data was enhanced so that understandable labels are used.
It uses metanodes to “package” each technique suitable for reuse. Each Model uses a Test / Learn
and cross validated process to ensure accuracy. The workflow writes out the model in the official
PMML format, so that other applications can use the model.

The data is German Credit data provided by


Professor Dr. Hans Hofmann
Institut für Statistik und Ökonometrie
Universität Hamburg
FB Wirtschaftswissenschaften

https://www.knime.com/knime-applications/credit-scoring 1/2
6/12/2018 Credit Scoring / Credit Rating / Customer Risk | KNIME

Von-Melle-Park 5
2000 Hamburg 13
Available at http://archive.ics.uci.edu/ml/datasets/Statlog+%28German+Credit+Data%29

https://www.knime.com/knime-applications/credit-scoring 2/2

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