variable | Feature description |
X1 | Amount of the given credit (NT dollar): it includes both the individual consumer credit and his/her family (supplementary) credit. |
X2 | Gender (1 = male; 2 = female). |
X3 | Education (1 = graduate school; 2 = university; 3 = high school; 4 = others). |
X4 | Marital status (1 = married; 2 = single; 3 = others). |
X5 | Age (year). |
X6 - X11 | History of past payment. We tracked the past monthly payment records (from April to September, 2005) as follows: X6 = the repayment status in September, 2005; X7 = the repayment status in August, 2005; ...; X11 = the repayment status in April, 2005. The measurement scale for the repayment status is: −1 = pay duly; 1 = payment delay for one month; 2 = payment delay for two months; ...; 8 = payment delay for eight. |
X12 - X17 | Amount of bill statement (NT dollar). X12 = amount of bill statement in September, 2005; X13 = amount of bill statement in August, 2005; ...; X17 = amount of bill statement in April, 2005. |
X18 - X23 | Amount of previous payment (NT dollar). X18 = amount paid in September, 2005; X19 = amount paid in August, 2005; ...; X23 = amount paid in April, 2005. |
Default | 1 for fraudulent transactions, 0 otherwise. |