A credit scoring model based on the Myers–Briggs type indicator in online peer-to-peer lending

Financial Innovation

Table 7 Performance of the models for “fully paid” borrowers

MBTI type	Accuracy			Sensitivity (recall)			F1 − score			AUC
MBTI type	LWLR	LR	LR for each MBTI type	LWLR	LR	LR for each MBTI type	LWLR	LR	LR for each MBTI type	LWLR	LR	LR for each MBTI type
ESTJ	0.633	0.633	0.616	0.622	0.630	0.611	0.282	0.285	0.269	0.681	0.682	0.663
ESTP	0.605	0.591	0.638	0.681	0.683	0.532	0.299	0.293	0.267	0.680	0.678	0.636
ESFJ	0.601	0.595	0.600	0.621	0.638	0.601	0.310	0.313	0.302	0.644	0.644	0.639
ESFP	0.616	0.608	0.602	0.614	0.635	0.570	0.284	0.287	0.263	0.652	0.656	0.619
ENTJ	0.641	0.633	0.625	0.593	0.609	0.611	0.291	0.292	0.289	0.668	0.672	0.669
ENTP	0.609	0.600	0.598	0.657	0.667	0.605	0.291	0.289	0.266	0.689	0.689	0.644
ENFJ	0.613	0.607	0.582	0.582	0.593	0.575	0.267	0.268	0.250	0.644	0.648	0.626
ENFP	0.606	0.604	0.595	0.597	0.621	0.542	0.292	0.299	0.266	0.635	0.642	0.601
ISTJ	0.621	0.611	0.609	0.617	0.634	0.631	0.301	0.301	0.300	0.662	0.663	0.660
ISTP	0.670	0.657	0.646	0.619	0.638	0.571	0.289	0.288	0.258	0.719	0.722	0.673
ISFJ	0.589	0.587	0.601	0.629	0.640	0.613	0.303	0.306	0.304	0.652	0.653	0.645
ISFP	0.623	0.621	0.607	0.643	0.667	0.532	0.316	0.323	0.268	0.678	0.686	0.615
INTJ	0.636	0.626	0.636	0.637	0.655	0.547	0.281	0.281	0.251	0.662	0.661	0.636
INTP	0.587	0.581	0.661	0.737	0.749	0.483	0.267	0.267	0.225	0.710	0.720	0.628
INFJ	0.595	0.598	0.562	0.582	0.603	0.626	0.304	0.313	0.303	0.642	0.646	0.623
INFP	0.635	0.634	0.588	0.585	0.600	0.543	0.347	0.352	0.303	0.661	0.666	0.600
Mean	0.618	0.612	0.610	0.626	0.641	0.575	0.295	0.297	0.274	0.667	0.671	0.636
Max	0.670	0.657	0.661	0.737	0.749	0.631	0.347	0.352	0.304	0.719	0.722	0.673
Min	0.587	0.581	0.562	0.582	0.593	0.483	0.267	0.267	0.225	0.635	0.642	0.600
SD	0.022	0.021	0.025	0.040	0.038	0.042	0.020	0.021	0.024	0.024	0.025	0.022