Financial Vulnerability, Machine Learning, Predictive Modeling, XGBoost, SHAP, Urban Households, Hybrid Model
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Detecting Financial Vulnerability in Urban Households Using Machine Learning: A Predictive Model for Early Risk Identification
Abstract: Urban households in an emerging economy are facing financial vulnerability which is a growing socioeconomic concern and usually does not notice the traditional credit evaluation methods. This study proposes a machine learning-based model that will predict an early warning of financial vulnerability by integrating both behavioral and socioeconomic factors. A structured questionnaire was used to collect primary data comprising of 328 urban households with Indians. After data preprocess and feature …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article