利用 KMean Cluster 將用戶依照信用卡付款狀況進行分類，之後再將分類完的分群進行利用 Linear Probability Model 計算該群體的違約機率，利用此方法可以將原本整體違約機率約22%的全體用戶，分成違約機率 10% 至 78% 共 19 群的群體。最後再依分群完的機率經過設定的機率閥值換算後，準確率可達 81.15% 。
License: MIT License
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