Open access
Sep 2026
Application of Data Mining for Predicting Bank Customer Credit Eligibility Using the K-Nearest Neighbor (KNN) Algorithm
Credit granting is a core banking service that carries a high risk of non-performing loans if thecustomer eligibility assessment process is not conducted accurately. Manual evaluation processestend to be time-consuming and are potentially influenced by the subjectivity of credit analysts.Therefore, a data-driven approa...
Nur Azizah, Zulfan Al-Fauzan, Rizki Andriyan et al.
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