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.