An optimization problem has to be solved by adjusting the threshold and seeking the optimum in order to balance the trade-off between the decrease in revenue and a decrease in cost.

An optimization problem has to be solved by adjusting the threshold and seeking the optimum in order to balance the trade-off between the decrease in revenue and a decrease in cost.

Then by using the layout of the confusion matrix plotted in Figure 6, the no credit check payday loans Eastpointe MI four regions are divided as True Positive (TN), False Positive (FP), False Negative (FN) and True Negative (TN) if“Settled” is defined as positive and “Past Due” is defined as negative,. Aligned with the confusion matrices plotted in Figure 5, TP could be the good loans hit, and FP may be the defaults missed. (more…)

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