Instruct: Identify the main and secondary category of Arxiv papers based on the titles and abstracts
Query: Credit acceptance process strategy case studies - the power of Credit
  Scoring   The paper is aware of the importance of certain figures that are essential to
an understanding of Credit Scoring models in credit acceptance process
optimization, namely if the power of discrimination measured by Gini value is
increased by 5% then the profit of the process can be increased monthly by
about 1 500 kPLN (300 kGBP, 500 kUSD, 350 kEUR). Simple business models of
credit loans are also presented: acquisition - installment loan (low price) and
cross-sell - cash loans (high price). Scoring models are used to optimize
process, to become profitable. Various acceptance strategies with different
cutoffs are presented, some are profitable and some are not. Moreover, in a
time of prosperity some are preferable whilst the inverse is true during a
period of high risk or crisis. To optimize the process four models are
employed: three risk models, to predict the probability of default and one
typical propensity model to predict the probability of response. It is a simple
but very important example of the Customer Lifetime Value (CLTV or CLV) model
business, where risk and response models are working together to become a
profitable process.

11
The categories of this paper are: hep-lat
33
The categories of this paper are: plasm-ph
20
The categories of this paper are: acc-phys
2
The categories of this paper are: math
0
The categories of this paper are: hep-ph
18
The categories of this paper are: econ
5
The categories of this paper are: gr-qc
35
The categories of this paper are: mtrl-th
10
The categories of this paper are: q-bio
21
The categories of this paper are: adap-org
26
The categories of this paper are: bayes-an
24
The categories of this paper are: dg-ga
13
The categories of this paper are: quant-ph
25
The categories of this paper are: patt-sol
15
The categories of this paper are: nucl-ex
31
The categories of this paper are: ao-sci