Credit Default Payment Prediction Algorithm with Machine Learning

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Introduction

Since the financial crisis,companies have come to understood the significance of risk management with the latest tecgnology.To date,machine learning algorithms have been applied both in financial research and financial service industry.Essentialy the use of credit-scoring algorithms helps financial service providers estimate the creditworthiness of borrowers to reduce labour costs and constantly maintains sustainable development of the financial world.
In this project the dataset is from kaggle Link.The primary data is from individual credit card usage behaviour.We would focus on logistic regression,decision trees,random forests and gradient boosting.

Installing and Importing the libraries

# Install packages with the command of package manager
!pip install jovian --upgrade --quiet
!pip install opendatasets scikit-learn plotly --upgrade --quiet
!pip install pandas numpy matplotlib seaborn --quiet

WARNING: Retrying (Retry(total=4, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x0000026EB02AA390>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/jovian/
WARNING: Retrying (Retry(total=3, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x0000026EB03DAD90>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/jovian/
WARNING: Retrying (Retry(total=2, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x0000026EB03D8410>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/jovian/
WARNING: Retrying (Retry(total=1, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x0000026EB03E9B50>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/jovian/
WARNING: Retrying (Retry(total=0, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x0000026EB03E8DD0>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/jovian/

[notice] A new release of pip is available: 23.0.1 -> 23.2.1
[notice] To update, run: python.exe -m pip install --upgrade pip
WARNING: Retrying (Retry(total=4, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB7F93D0>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/opendatasets/
WARNING: Retrying (Retry(total=3, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB931CD0>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/opendatasets/
WARNING: Retrying (Retry(total=2, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB941350>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/opendatasets/
WARNING: Retrying (Retry(total=1, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB941410>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/opendatasets/
WARNING: Retrying (Retry(total=0, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB942810>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/opendatasets/
WARNING: Retrying (Retry(total=4, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB949250>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/scikit-learn/
WARNING: Retrying (Retry(total=3, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB94AFD0>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/scikit-learn/
WARNING: Retrying (Retry(total=2, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB94B850>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/scikit-learn/
WARNING: Retrying (Retry(total=1, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB94BF90>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/scikit-learn/
WARNING: Retrying (Retry(total=0, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB958BD0>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/scikit-learn/
WARNING: Retrying (Retry(total=4, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB959810>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/plotly/
WARNING: Retrying (Retry(total=3, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB95B050>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/plotly/
WARNING: Retrying (Retry(total=2, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB95B790>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/plotly/
WARNING: Retrying (Retry(total=1, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB949790>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/plotly/
WARNING: Retrying (Retry(total=0, connect=None, read=None, redirect=None, status=None)) after connection broken by 'NewConnectionError('<pip._vendor.urllib3.connection.HTTPSConnection object at 0x000002B2BB94B690>: Failed to establish a new connection: [Errno 11001] getaddrinfo failed')': /simple/plotly/

[notice] A new release of pip is available: 23.0.1 -> 23.2.1
[notice] To update, run: python.exe -m pip install --upgrade pip

[notice] A new release of pip is available: 23.0.1 -> 23.2.1
[notice] To update, run: python.exe -m pip install --upgrade pip