Recovery process optimization using survival regression

The goal of this paper is to propose, empirically test and compare different logistic survival analysis techniques in order optimize the debt collection process. This process uses various actions, such as phone calls, mails, visits, or legal steps recover past due loans. We focus on soft part, where question whether when call a past-due debtor with regards expected financial return an action. propose use technique, which can be compared medical treatment, repayment recovery patient. show real banking dataset that, unlike ordinary regression, model provides results efficiently used