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

Table 7

Data processing methods for modeling with different algorithms.

	XGBoost		XGBoost_LSTM
	Data processing	Number	Data processing	Number
Basic information	—	19	—	19
Credit information	Monthly data	6	Monthly data	6
	Calculate statistics		Calculate statistics
Billing information	Monthly data	106	Monthly data	106
	Calculate statistics		Calculate statistics
Installment information	Monthly data	113	Monthly data	113
	Calculate statistics		Calculate statistics
Transaction flow information	Feature extraction	83	Interception or zero padding, splicing	2
	Calculate statistics		LSTM