modifypredictor

Set properties of credit scorecard predictors

Syntax

sc = modifypredictor(sc,PredictorName)

sc = modifypredictor(___,Name,Value)

Description

sc = modifypredictor(sc,PredictorName) sets the properties of the credit scorecard predictors.

sc = modifypredictor(___,Name,Value) sets the properties of the credit scorecard predictors using optional name-value pair arguments.

Examples

Modify a Predictor to Change the Predictor Type from Numeric to Categorical

Create a creditscorecard object using the CreditCardData.mat file to load the data (using a dataset from Refaat 2011). In practice, categorical data many times is represented with numeric values. To show the case where categorical data is given as numeric data, the data for the variable 'ResStatus' is intentionally converted to numeric values.

load CreditCardData
data.ResStatus = double(data.ResStatus);
sc = creditscorecard(data,'IDVar','CustID')

sc = 
  creditscorecard with properties:

                GoodLabel: 0
              ResponseVar: 'status'
               WeightsVar: ''
                 VarNames: {1x11 cell}
        NumericPredictors: {1x7 cell}
    CategoricalPredictors: {'EmpStatus'  'OtherCC'}
           BinMissingData: 0
                    IDVar: 'CustID'
            PredictorVars: {1x9 cell}
                     Data: [1200x11 table]

[T,Stats] = predictorinfo(sc,'ResStatus')

T=1×4 table
                 PredictorType      LatestBinning      LatestFillMissingType    LatestFillMissingValue
                 _____________    _________________    _____________________    ______________________

    ResStatus     {'Numeric'}     {'Original Data'}        {'Original'}              {0x0 double}     

Stats=4×1 table
             Value 
            _______

    Min           1
    Max           3
    Mean     1.7017
    Std     0.71833

Note that 'ResStatus' appears as part of the NumericPredictors property. Assume that you want 'ResStatus' to be treated as categorical data. For example, you may want to allow automatic binning algorithms to reorder the categories. Use modifypredictor to change the 'PredictorType' of the PredictorName 'ResStatus' from numeric to categorical.

sc = modifypredictor(sc,'ResStatus','PredictorType','Categorical')

sc = 
  creditscorecard with properties:

                GoodLabel: 0
              ResponseVar: 'status'
               WeightsVar: ''
                 VarNames: {1x11 cell}
        NumericPredictors: {1x6 cell}
    CategoricalPredictors: {'ResStatus'  'EmpStatus'  'OtherCC'}
           BinMissingData: 0
                    IDVar: 'CustID'
            PredictorVars: {1x9 cell}
                     Data: [1200x11 table]

[T,Stats] = predictorinfo(sc,'ResStatus')

T=1×5 table
                  PredictorType     Ordinal      LatestBinning      LatestFillMissingType    LatestFillMissingValue
                 _______________    _______    _________________    _____________________    ______________________

    ResStatus    {'Categorical'}     false     {'Original Data'}        {'Original'}              {0x0 double}     

Stats=3×1 table
          Count
          _____

    C1     542 
    C2     474 
    C3     184 

Notice that 'ResStatus' now appears as part of the 'Categorical' predictors.

Input Arguments

sc — Credit scorecard model

creditscorecard object

Credit scorecard model, specified as a creditscorecard object. Use creditscorecard to create a creditscorecard object.

PredictorName — Predictor name

character vector | cell array of character vectors

Predictor name, specified using a character vector or cell array of character vectors containing the names of the credit scorecard predictors. PredictorName is case-sensitive.

Data Types: char | cell

Name-Value Pair Arguments

Specify optional comma-separated pairs of Name,Value arguments. Name is the argument name and Value is the corresponding value. Name must appear inside quotes. You can specify several name and value pair arguments in any order as Name1,Value1,...,NameN,ValueN.

Example: sc = modifypredictor(sc,{'CustAge','CustIncome'},'PredictorType','Categorical','Ordinal',true)

'PredictorType' — Predictor type that one or more predictors are converted to

'' no conversion occurs (default) | character vector with values 'Numeric', 'Categorical'

Predictor type that one or more predictors are converted to, specified as the comma-separated pair consisting of 'PredictorType' and a character vector. Possible values are:

• '' — No conversion occurs.

• 'Numeric' — The predictor data specified by PredictorName is converted to numeric.

• 'Categorical' — The predictor data specified by PredictorName is converted to categorical.

Data Types: char

'Ordinal' — Indicator for whether predictors being converted to categorical are ordinal

false (default) | logical with values true, false

Indicator for whether predictors being converted to categorical or existing categorical predictors are treated as ordinal data, specified as the comma-separated pair consisting of 'Ordinal' and a logical with values true or false.

Note

This optional input parameter is only used for predictors of type 'Categorical'.

Data Types: logical

Output Arguments

sc — Credit scorecard model

creditscorecard object

Credit scorecard model, returned as an updated creditscorecard object.