A fuzzy expert system to score bank facility-demanding production and service Institutes

An essential activity of a banking system is to offer facilities to producers and service providers. Accurate identification of producers and service providers would reduce overdue claims and fraud. It is necessary to identify which factors should be considered by banks to improve their performance in offering facilities to production and service institutes. This study reviews previous studies and develops a questionnaire to identify the most important factors that affect the provision of bank facilities to producers and service providers. These factors were found to be monetization, liquidity, technical knowledge, loan records, efficiency, and experience. This study aimed to design a fuzzy expert system to score bank facility-demanding institutes to assign proper facilities to producers and service providers. For this purpose, a fuzzy expert system was proposed based on fuzzy criteria, considering ambiguity in the identified factors. The validation results indicated that the proposed model had high accuracy and good performance.