Decision Tree as a Credit Score Model and Prediction of Credit Probability Payment Obligations, Case: Ecuador 2024

René Faruk Garzozi-Pincay (), Yamel Sofia Garzozi-Pincay, Sara Rocío Correa-Soto, José Luis Castillo-Burbano, Arturo Francisco Carrera-Garzozi, Michael Benavides-Ramírez and Byron Xavier Gallegos-Marcillo
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René Faruk Garzozi-Pincay: Universidad Estatal Península de Santa Elena
Yamel Sofia Garzozi-Pincay: Universidad Estatal Península de Santa Elena
Sara Rocío Correa-Soto: Universidad Internacional del Ecuador
José Luis Castillo-Burbano: Universidad Espíritu Santo
Arturo Francisco Carrera-Garzozi: Escuela Superior Politécnica del Litoral
Michael Benavides-Ramírez: Escuela Superior Politécnica del Litoral
Byron Xavier Gallegos-Marcillo: Escuela Superior Politécnica del Litoral

Chapter Chapter 5 in New Perspectives in Economics and Management, Vol 1, 2026, pp 71-82 from Springer

Abstract: Abstract This work presents fundamental concepts and a detailed description related to the decision tree, which is essential for decision-making in research in the credit-granting field, and which is a practical tool for achieving financial people inclusion based on sociodemographic characteristics. In addition, a literature review focused on the topic is carried out to provide a complete decision tree process description applied to this financial field branch in Ecuador. With the quantitative methodology application, the decision tree process for deciding whether or not to grant individual credit is presented. This analysis allows us to contextualize the current research field current state and how this branch has evolved to become what it is today. It is suggested for future research to explore other variables to improve the decision tree model performance.

Keywords: Decision tree; Credit rating; Payment probability; Credit score (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-032-29260-5_5

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DOI: 10.1007/978-3-032-29260-5_5

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