Recently, not only traditional statistical techniques but also machine learning algorithms have been used to make more accurate bankruptcy predictions. But the insolvency rate of companies dealing with financial institutions is very low, resulting in a data imbalance problem. In particular, since data imbalance negatively affects the performance of artificial intelligence models, it is necessary to first perform the data imbalance process. In additional, as artificial intelligence algorithms are advanced for precise decision-making, regulatory pressure related to securing transparency of Artificial Intelligence models is gradually increasing, such as mandating the installation of explanation functions for Artificial Intelligence models. Therefore, this study aims to present guidelines for eXplainable Artificial Intelligence-based corporate bankruptcy prediction methodology applying SMOTE techniques and LIME algorithms to solve a data imbalance problem and model transparency problem in predicting corporate bankruptcy. The implications of this study are as follows. First, it was confirmed that SMOTE can effectively solve the data imbalance issue, a problem that can be easily overlooked in predicting corporate bankruptcy. Second, through the LIME algorithm, the basis for predicting bankruptcy of the machine learning model was visualized, and derive improvement priorities of financial variables that increase the possibility of bankruptcy of companies. Third, the scope of application of the algorithm in future research was expanded by confirming the possibility of using SMOTE and LIME through case application.

Recently, as the internet usage is increasing, accordingly generated text data is also increasing. Because this text data on the internet includes users’ comments, the text data on the Internet can help you get users’ opinion more efficiently and effectively. The topic of text mining has been actively studied recently, but it primarily focuses on either the content analysis or various improving techniques mostly for the performance of target mining algorithms. The objective of this study is to propose a novel method of analyzing the user’s requirements by utilizing the text-mining technique. To complement the existing survey techniques, this study seeks to present priorities together with efficient extraction of customer requirements from the text data. This study seeks to identify users’ requirements, derive the priorities of requirements, and identify the detailed causes of high-priority requirements. The implications of this study are as follows. First, this study tried to overcome the limitations of traditional investigations such as surveys and VOCs through text mining of online text data. Second, decision makers can derive users’ requirements and prioritize without having to analyze numerous text data manually. Third, user priorities can be derived on a quantitative basis.