Research on Default Prediction for Credit Card Users Based on XGBoost-LSTM Model

Table 2

Extracted features from transaction data.

Transaction type	First month	Second month	Third month	Max	Min	Mean	Others
Amount of consumption	c_sum_1	c_sum_2	c_sum_3	c_sum_max	c_sum_min	c_sum_mean	c_sum_max/credit
Number of consumption	c_num_1	c_num_2	c_num_3	c_num_max	c_num_min	c_num_mean
Amount of fees	f_sum_1	f_sum_2	f_sum_3	f_sum_max	f_sum_min	f_sum_mean	f_sum_max/credit
Number of fees	f_num_1	f_num_2	f_num_3	f_num_max	f_num_min	f_num_mean
Amount of repayments	r_sum_1	r_sum_2	r_sum_3	r_sum_max	r_sum_min	r_sum_mean	r_sum_max/credit
Number of repayments	r_num_1	r_num_2	r_num_3	r_num_max	r_num_min	r_num_mean
Amount of cash withdrawals	cw_sum_1	cw_sum_2	cw_sum_3	cw_sum_max	cw_sum_min	cw_sum_mean	cw_sum_max/credit
Number of cash withdrawals	cw_num_1	cw_num_2	cw_num_3	cw_num_max	cw_num_min	cw_num_mean
Amount of penalty	penalty_sum_1	penalty_sum_2	penalty_sum_3	penalty_sum_max	penalty_sum_min	penalty_sum_median	penalty_sum_max/credit
Number of penalty	penalty_num_1	penalty_num_2	penalty_num_3	penalty_num_max	penalty_num_min	penalty_num
Repayment days in advance	pre_pay_days_1	pre_pay_days_2	pre_pay_days_3	pre_pay_days_max	pre_pay_days_min	pre_pay_days_median
Number of transaction flow	event_counts_1	event_counts_2	event_counts_3	event_counts_max	event_counts_min	event_counts_median	event_counts_sum
Main transaction types	trans_type_mode_1	trans_type_mode_2	trans_type_mode_3				trans_type_mode_all