The app detects them automatically on startup. If they are absent it falls back to a demo model trained on synthetic data so the Space stays functional.
Threshold logic
The cost-optimal threshold (default 0.27) minimises expected credit loss under:
LGD = 45% of loan value (loss given default)
Opportunity cost = 8% annual interest (rejected good client)
False negatives are ~5× more costly than false positives at median loan size
