Purpose: This research employs machine learning and mediation analysis, along with path analysis, to investigate the correlations between factors such as body mass index (BMI) and the occurrence of diabetes and heart disease among the Indian population. The objective is to enhance models that are specifically designed to accommodate lifestyles,…

This paper reports a validation study based on descriptive multidimensional item response theory (DMIRT), implemented in the R package "D3mirt" by using the ERS-C, an extended version of the Relevance subscale from the Moral Foundations Questionnaire including two new items for collectivism (17 items in total). Two latent models are…

The default risk, one of the main risk factors for bonds, should be measured and reflected in the bond yield. Particularly, in the case of financial companies that treat bonds as a major product, failure to properly identify and filter customers' workout status adversely affects returns. This study proposes a two-stage classification algorithm for…

We have maintained the customer grade system that is being implemented to customers with excellent performance through customer segmentation for years. Currently, financial institutions that operate the customer grade system provide similar services based on the score calculation criteria, but the score calculation criteria vary from the financial…