Credit risk assessment (CRA) plays an important role in credit decision-making process of financial institutions. Today, developing big data analysis and machine learning methods have marked a new era in credit risk estimation. In recent years, using machine learning methods in credit risk estimation has emerged as an alternative method for financial institutions. The past demographic and financial data of the person whose CRA will be performed is important for creating an automatic artificial intelligence credit score prediction model based on machine learning. It is also necessary to use features correctly to create accurate machine learning models. This article aims to investigate the effects of dimensionality reduction and data splitting steps on the performance of classification algorithms widely used in the literature. In our study, dimensionality reduction was performed using Principal Component Analysis (PCA). Random Forest (RF), Logistic Regression (LR), Decision Tree (DT), Naive Bayes (NB) algorithms were chosen for classification. Percentage splitting (PER, 66–34%) and k-fold (k = 10) cross-validation techniques were used when dividing the data set into training and test data. The results obtained were evaluated with accuracy, recall, F1 score, precision, and AUC metrics. German data set was used in this study. The effect of data splitting and dimension reduction on the classification of CRA systems was examined. The highest ACC in PER and CV data splitting was obtained with the RF algorithm. Using data splitting methods and PCA, the highest accuracy was observed with RF and the highest AUC with NB, with 13 PCs in which 80% of the variance was obtained. As a result, the data set consisting of a total of 20 features, expressed by 13 PCs, achieved similar or higher success than the results obtained from the original data set.

A cryptocurrency is a digital asset designed to work as a medium of exchange that uses cryptography to secure its transactions, to control the creation of additional units, and to verify the transfer of assets.Cryptocurrencies are a type of digital currencies, alternative currencies and virtual currencies. Cryptocurrencies use decentralized control as opposed to centralized electronic money and central banking systems. The decentralized control of each cryptocurrency works through a blockchain, which is a public transaction database, functioning as a distributed ledger.Neural Networks field has many techniques to perform predictions. They are widely used to predict the future values of stock exchange indicators variables. In this paper we will try to use Artificial Neural Network to predict cryptocurrencies close prices, and we'll study the difference in price change with the normal stock exchanges.