Browsing Faculty of Design and Creative Technologies (Te Ara Auaha) by Author "Zhang, W"
Zhang, W (arXiv.org, 2014)A stochastic model with hidden discrete Markov processes is constructed to understand the behavior of debtors.
Zhang, W (arXiv.org, 2014)It is known that curvature relation plays a key role in the propagation of two-dimensional waves in an excitable model. Such a relation is believed to obey the eikonal equation for typical excitable models (e.g., the ...
Bunker, RP; Zhang, W; Naeem, MAIn this paper, we investigate the extent to which features derived from bank statements provided by loan applicants, and which are not declared on an application form, can enhance a credit scoring model for a New Zealand ...