{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,1,2]],"date-time":"2026-01-02T17:21:21Z","timestamp":1767374481211,"version":"3.40.3"},"reference-count":0,"publisher":"Advances in Artificial Intelligence and Machine Learning","issue":"01","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["AAIML"],"published-print":{"date-parts":[[2025]]},"abstract":"<jats:p>The objective of this paper was to develop a propensity model based on decision trees (LightGbm) for the management of the Credit product in a financial institution. The CRIPS-DM methodology was used as a framework and Python\/LightGBM was used for the development of the solution. As a result, it was possible to increase by 5% the effectiveness in credit for each month on a park of 200 thousand customers of the financial institution, which ensures the understanding of the applied model.<\/jats:p>","DOI":"10.54364\/aaiml.2025.51184","type":"journal-article","created":{"date-parts":[[2025,4,1]],"date-time":"2025-04-01T05:15:42Z","timestamp":1743484542000},"page":"3202-3215","source":"Crossref","is-referenced-by-count":1,"title":["Propensity Model Using Decision Trees (LightGBM) for the Management of the Effective Credit Product in a Financial Entity"],"prefix":"10.54364","volume":"05","author":[{"given":"Ulises","family":"Roman-Concha","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Andrea","family":"L\u00f3pez","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Kathy","family":"Ruiz-Carrasco","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Carlos","family":"Chavez-Herrera","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Dominga","family":"M. Cano","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Jos\u00e9","family":"Piedra","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Juan Carlos","family":"Woolcott","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Carlos","family":"Navarro","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"32807","published-online":{"date-parts":[[2025]]},"container-title":["Advances in Artificial Intelligence and Machine Learning"],"original-title":[],"link":[{"URL":"https:\/\/www.oajaiml.com\/uploads\/archivepdf\/237151184.pdf","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,4,1]],"date-time":"2025-04-01T05:15:43Z","timestamp":1743484543000},"score":1,"resource":{"primary":{"URL":"https:\/\/www.oajaiml.com\/uploads\/archivepdf\/237151184.pdf"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2025]]},"references-count":0,"journal-issue":{"issue":"01","published-online":{"date-parts":[[2025]]},"published-print":{"date-parts":[[2025]]}},"URL":"https:\/\/doi.org\/10.54364\/aaiml.2025.51184","relation":{},"ISSN":["2582-9793"],"issn-type":[{"value":"2582-9793","type":"electronic"}],"subject":[],"published":{"date-parts":[[2025]]}}}