Open Access Open Access  Restricted Access Subscription or Fee Access

Service Oriented Information Integration Architecture for Credit Scoring System

C. Punitha Devi, Dr.V. Prasanna Venketesan


Never has accurate, timely business intelligence been more critical for financial institutions. In this era of increased competition, banks need good information to enhance efficiency and productivity. They also need a clear understanding of their customers and markets to make the most of new opportunities. Such timely analytics and actionable business insights are significant for effective financial accounting, cost controlling, credit risk management, asset liability management, and profitability analysis. Credit scoring has become very important issue due to the recent growth of the credit industry, so the credit department of the bank faces a large amount of credit data. This paper takes into account the credit scoring system and gives a service oriented information integration model using for solving the issues of the credit scoring problem, thereby leading to automation of this credit scoring system. Many organizations regard SOA as an architecture that enables business agility through the use of common services. Service Oriented Integration conceptualizes an approach for integration with SOA as its basic requirement. The proposed architecture presented in this paper address Data virtualization, Information as service and service oriented integration to solve the requirements of accessing heterogeneous and distributed data across various data sources and applications.


Data Virtualization, Information Services, Credit Scoring, Service Oriented Architecture, Information Integration

Full Text:



An Approach to credit scoring system - Service Oriented Information Integration, C.Punitha Devi, Dr. V. Prasanna Venkatesan, International Conference ICAET – 2011,CiiT - ISBN 978-1-4507-6433-9 ©

Toward a pattern language for Service-Oriented Architecture and Integration, Part 1: Build a service eco-system, Dr. Ali Arsanjani, IBM developer works, 13 July 2003.

Service-Oriented Development and Integration: Toward Web Services-Based Business Information Systems, Sam Chung, Zac Bylin, Sergio Davalos, Proceedings of the IEEE International Conference on Web Services (ICWS’05), 2005.

Service-Oriented Integration: A Strategy Brief, Peter Cousins, Ivan Casanova, IONA Technologies, January 2004.

Understanding SOA with Web Services, Eric Newcomer, Greg Lomow, Ph.D., Pearson Education, Inc. ,2005.

Service-Oriented Integration for Legacy Environments, Robert Wilkov, eAI Journal, January 2003.

Implementing Collaborative manufacturing with Intelligent Web Services, Weiming Shen1, Yinsheng Li1, Qi Hao, Shuying Wang, Hamada Ghenniwa, Proceedings of The Fifth International Conference on Computer and Information Technology (CIT’05), 2005

A Web Service Oriented Integration Approach for Enterprise and Business-to-Business Applications”, Sam Chung, Lai Hong Tang, and Sergio Davalos, © Springer-Verlag Berlin Heidelberg ,2004.

Information Integration: Conceptual Modeling and Reasoning Support, Diego Calvanese, Giuseppe De Giacomo, Maurizio Lenzerini, Daniele Nardi, Riccardo Rosati, ACM Portal.

G. Wiederhold. Special issue: Intelligent integration of information. J. of Intelligent Information Systems, 6(2/3),1996.

R. Hull. Managing semantic heterogeneity in databases: A theoretical perspective. In Proc. of PODS-97, 1997.

W. H. Inmon. Building the Data Warehouse. John Wiley & Sons, second edition, 1996.

J. Widom. Special issue on materialized views and data warehousing. IEEE Bulletin on Data Engineering, 18(2),1995.

Credit Scoring, FTC Facts for Consumers,, May 2006

How is Credit Score calculated ?,Consumer Credit Councelling Service of Rochester, Credit Tips, March 21, 2007.

How credit scores work, how a score is calculated, Pat Curry,

Credit Scoring – part of modern lending, Bundesverband deutscher Banker, The association of german banks, November 2006.

Complexities of developing quality credit attribute – The development and interpretation of STAGGs attributes, Experian Scorex, White Paper, 2004

EAI Architecture Patterns, Jeffery Lutz, eAI Journal, March 2000.

Enterprise Application Integration, A Manager’s Perspective, ITPro, Published by IEEE Computer Society, November/December 2005

A Proposed Classification of Data Mining Techniques in Credit Scoring, Keramati, Yousefi, Proceedings of the 2011 international conference on Industrial Engineering and Operations Manangement,Kuala Lumpur, Malaysia, January 22 – 24, 2011

A Hybrid Support Vector Machine Ensemble Model for Credit Scoring, Ahmad Ghodselahi, International Journal of Computer Applications (0975 – 8887), Volume 17– No.5, March 2011


  • There are currently no refbacks.

Creative Commons License
This work is licensed under a Creative Commons Attribution 3.0 License.