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One of basic banking activities is granting loans to both retail and corporate clients. This is obviously related to the potential risk of customers’ failure to settle liabilities by the agreed dates. For these reasons, banks often use very advanced techniques and tools to predict the creditworthiness of borrowers. In banks, there are special teams dedicated to this purpose dealing with broadly understood credit risk management. To assess the creditworthiness of retail clients, a wide range of analytical and stati...