S. V. Afanasyev
National Research University Higher School of Economics; Renaissance Credit Bank
Russian Federation

Sergey V. Afanasiev - Master’s student; Vice President, Head of the Statistical Analysis Department

Moscow

D. M. Kotereva
National Research University Higher School of Economics; Renaissance Credit Bank
Russian Federation

Diana M. Kotereva - Master’s student; Head of Modeling and Operational Analysis Department

Moscow

A. A. Mironenkov
Lomonosov Moscow State University
Russian Federation

Alexey A. Mironenkov - Senior Lecturer at the Department of Econometrics and Mathematical Methods of Economics Moscow School of Economics

Moscow

A. A. Smirnova
National Research University Higher School of Economics; Renaissance Credit Bank
Russian Federation

Anastasiya A. Smirnova - Master’s student; Head of Scoring Systems Department

Moscow