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The inclusion of time-various covariates into survival Evaluation has led to better predictions of time to default in behavioural credit score scoring products. On the other hand, when these time-varying covariates are endogenous, There's two main problems: estimation bias from the survival model and deficiency of a prediction framework https://johnathanfzsqy.blazingblog.com/29079736/fascination-about-westpac-bank-peter-cornwell

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