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Credit scoring plays a vital role for financial institutions to estimate the risk associated with a credit applicant applied for credit product. It is estimated based on applicants’ credentials and directly affects to viability of issuing institutions. However, there may be a large number of irrelevant features in the credit scoring dataset. Due to irrelevant features, the credit scoring models may lead to poorer classification performances and higher complexity. So, by removing redundant and irrelevant features may overcome the problem with large number of features. In this work, we emphasized on the role of feature selection to enhance the predictive performance of credit scoring model. Towards to feature selection, Binary BAT optimization technique is utilized with a novel fitness function. Further, proposed approach aggregated with “Radial Basis Function Neural Network (RBFN)”, “Support Vector Machine (SVM)” and “Random Forest (RF)” for classification. Proposed approach is validated on four bench-marked credit scoring datasets obtained from UCI repository. Further, the comprehensive investigational results analysis are directed to show the comparative performance of the classification tasks with features selected by various approaches and other state-of-the-art approaches for credit scoring.

In percutaneous coronary intervention, the knuckle wire technique is one of the approaches to cross the long and ambiguous course of the occluded segment. However, this technique is generally used as a last alternative, when all other techniques fail. Although knuckle wiring expedites chronic total occlusion crossing, it can also complicate the percutaneous coronary intervention strategy irreversibly. Therefore, understanding the various aspects of the knuckle wire technique is a prerequisite in a chronic total occlusion setting. The authors herein intend to describe in detail the knuckle wire technique and its safe and effective approach in various chronic total occlusion wiring strategies, while befitting to the scope of a mainstream interventionist. BASE balloon-assisted subintimal entry CART controlled antegrade and retrograde tracking CTO chronic total occlusion IVUS intravascular ultrasound PCI percutaneous coronary intervention STAR subintimal tracking and re-entry

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