A hybrid approach to integrate genetic algorithm into dual scoring model in enhancing the performance of credit scoring model

► The K-S and AUC values of the behavioral scoring model are 44.6% and 78.7%. ► The K-S and AUC values of the credit bureau scoring model are 51.0% and 80.9%. ► The K-S and AUC values of the dual scoring model are 59.3% and 87.7%. ► The dual scoring model exhibits greater predictive ability.