{"id":"W4415438669","doi":"10.36227/techrxiv.176114300.08690733/v1","title":"Loan Approval Prediction by Machine Learning Algorithm","year":2025,"lang":"","type":"preprint","venue":"","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Infineon Technologies (Canada)","funders":"","keywords":"Loan; Statistical classification; Stability (learning theory); Training set","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.00270882,0.0007143561,0.001247346,0.001844016,0.0004617016,0.001169116,0.000863984,0.00110413,0.001476204],"category_scores_gemma":[0.007202954,0.0002295076,0.0006739188,0.001491005,0.0002473906,0.0009130482,0.0004015044,0.001025903,0.001171497],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0005462827,"about_ca_system_score_gemma":0.0009060105,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004004013,"about_ca_topic_score_gemma":0.002472904,"domain_scores_codex":[0.9985709,0.000501121,0.0001280467,0.0002698369,0.0003525488,0.0001773676],"domain_scores_gemma":[0.9964677,0.001869857,0.000300247,0.0001890489,0.001071073,0.0001020028],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.0004977441,0.0006277765,0.05343178,0.0001534729,0.0001755833,0.000182244,0.00006651357,0.4948789,0.00181447,0.001331609,0.009514632,0.4373252],"study_design_scores_gemma":[0.000008906076,0.000052178,0.00285604,0.00001218952,0.00001119743,0.00002403675,0.00001564098,0.9950929,0.0007478852,0.0006318926,0.0005413531,0.000005823677],"study_design_candidate":"simulation_or_modeling","study_design_consensus":"simulation_or_modeling","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6112027,0.003273336,0.3698722,0.001033516,0.0004365929,0.0003150881,0.00109665,0.003822551,0.008947372],"genre_scores_gemma":[0.9231939,0.0004371846,0.07185028,0.0001393871,0.0001600898,0.0001402393,0.001433519,0.00003533323,0.002609988],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.004004013,"threshold_uncertainty_score":0.0143258,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01017605587225862,"score_gpt":0.210321131301098,"score_spread":0.2001450754288394,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}