ResearchBenchmarksClassification on Credit approvalClassification on Credit approvalFollow0.57Base AUCBase0.54150.555750.570.58425Jun 20, 2026Evaluation resultsMethodMethodLinksBase AUCSEF AUCDelta AUCGapEligible RatePass RateBasen=690n=6902026.060.57—————SEFn=690n=6902026.06—0.5940.0240.0160—