?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=Feature+Selection+of+Credit+Score+Factor+Based+on+Smartphone+Usage+using+MCFS&rft.creator=Alfat%2C+L&rft.creator=Rizkinia%2C+M&rft.creator=Sari%2C+RF&rft.creator=Romano%2C+DM&rft.description=Credit+as+a+part+of+our+consumptive+life+has+helped+a+lot+of+people.+As+a+financial+product%2C+it+is+used+widely+along+with+the+growth+of+economic+and+financial+services.+Therefore%2C+credit+is+very+risky+so+that+motivating+the+financial+institution+to+use+a+system+called+credit+scoring+to+make+a+decision+about+acceptance.+However%2C+the+conventional+credit+scores+is+calculated+from+the+user's+financial+history+in+financial+institution.+This+method+causes+people+without+any+financial+history+or+account%2C+such+as+students%2C+being+unnoticed+by+the+system%2C+then+their+credit+proposal+is+declined.+This+phenomenon+insists+the+researchers+thinking+about+a+new+credit+scoring+system+that+facilitates+people+from+different+economic+background.+Knowing+that+people+nowadays+will+spend+any+money+and+time+on+their+smartphone%2C+we+make+a+hypothesis+about+how+smartphone+usage+behavior+can+be+the+answer.+Then%2C+the+survey+is+conducted+to+90+respondents+from+low+to+high+economic+background+to+model+their+credit+limit.+This+paper+shows+that+smartphone+usage+has+some+insights+that+can+be+computed+through+Multi-Cluster+Feature+Selection+(MCFS).+The+selected+features+are+Brand+of+phone%2C+Frequency+of+changing+the+phone%2C+Occupation%2C+Data+usage+for+game%2C+Cost+for+phone%2C+Data+usage+for+social+media%2C+Reason+of+changing+the+phone%2C+Money+for+data%2C+Protect+personal+interest%2C+Age%2C+Spend+last+money%2C+and+Pay+for+you.&rft.subject=credit%2C+score%2C+phone%2C+financial%2C+MCFS&rft.publisher=IEEE&rft.date=2020-03-05&rft.type=Proceedings+paper&rft.language=eng&rft.source=+++++In%3A++Proceedings+of+the+2019+4th+Technology+Innovation+Management+and+Engineering+Science+International+Conference+(TIMES-iCON).++++IEEE%3A+Bangkok%2C+Thailand.+(2020)+++++&rft.format=text&rft.identifier=https%3A%2F%2Fdiscovery-pp.ucl.ac.uk%2Fid%2Feprint%2F10096906%2F1%2FLatifah%2520IEEE%2520TIMES-ICONS%25202019.pdf&rft.identifier=https%3A%2F%2Fdiscovery-pp.ucl.ac.uk%2Fid%2Feprint%2F10096906%2F&rft.rights=open