A GRU-KAN hybrid predicts loan defaults 3 and 8 months ahead with reported accuracies of 92% and 88% on a balanced Freddie Mac test set, outperforming LSTM, GRU, and attention baselines.
Explainable prediction of loan default based on machine learning models
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Kolmogorov-Arnold Networks-based GRU and LSTM for Loan Default Early Prediction
A GRU-KAN hybrid predicts loan defaults 3 and 8 months ahead with reported accuracies of 92% and 88% on a balanced Freddie Mac test set, outperforming LSTM, GRU, and attention baselines.