The inclusion of time-different covariates into survival Examination has led to better predictions of some time to default in behavioural credit score scoring styles. Nevertheless, when these time-different covariates are endogenous, There are 2 main issues: estimation bias of your survival design and insufficient a prediction framework for upcomin
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Survival designs with time-varying covariates (TVCs) are broadly Utilized in the literature on credit score risk prediction. However, when these covariates are endogenous, the inclusion course of action has long been limited to tactics such as lagging these variables or treating them as exogenous. That leads to probable biased estimators (based on