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Author

Victor Saputra Ginting

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Open access Aug 2026

Analysis Of The Determinants Of Financial Resilience Among Retiree Customers Using An Explainable Ai (Xai) Approach

The results show that Logistic Regression proved to be the best-performing model on the held-out test set, and the strongest determinants driving financial resilience were the number of prior delinquencies, loan purpose, and a low debt-to-income ratio, with credit score also contributing.

Victor Saputra Ginting, Rahmatika Hizria, S. Takhir · 0 citations