@article{adescriptivestudyofvariable,
  title = {A Descriptive Study of Variable Discretization and Cost-Sensitive Logistic Regression on Imbalanced Credit Data},
  author = {Lili Zhang and Herman Ray and Jennifer Priestley and Soon Tan},
  year = {2018},
  eprint = {1812.10857},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/1812.10857v2},
}