Thomas advocates for – a different model for expansion vs. recession. Implement via hidden Markov models or regime-aware calibration.
Before Thomas, credit scoring was mostly (should we lend at application?). Thomas championed behavioral scoring , which uses a borrower’s transaction and payment history over time to predict future risk. credit scoring and its applications by l c thomas hot
Low scores often require hefty "security deposits" for electricity or internet. Thomas advocates for – a different model for expansion vs