Bayes estimation of probit choice models, both in the cross-sectional and 
    panel setting. The package can analyze binary, multivariate, ordered, and 
    ranked choices, as well as heterogeneity of choice behavior among deciders. 
    The main functionality includes model fitting via Markov chain Monte Carlo m
    ethods, tools for convergence  diagnostic, choice data simulation, in-sample 
    and out-of-sample choice prediction, and model selection using information 
    criteria and Bayes factors. The latent class model extension facilitates 
    preference-based decider classification, where the number of latent classes 
    can be inferred via the Dirichlet process or a weight-based updating 
    heuristic. This allows for flexible modeling of choice behavior without the 
    need to impose structural constraints. 
    For a reference on the method see Oelschlaeger and Bauer (2021) 
    <https://trid.trb.org/view/1759753>.

The A() function calculates the A statistic, a nonparametric
    measure of effect size for two independent groups that’s also known as
    the probability of superiority (Ruscio, 2008), along with its standard
    error and a confidence interval constructed using bootstrap methods 
    (Ruscio & Mullen, 2012). Optional arguments can be specified to 
    calculate variants of the A statistic developed for other research 
    designs (e.g., related samples, more than two independent groups or 
    related samples; Ruscio & Gera, 2013). 
    <DOI: 10.1037/1082-989X.13.1.19>.
    <DOI: 10.1080/00273171.2012.658329>.
    <DOI: 10.1080/00273171.2012.738184>.

Performs all steps in the credit scoring process. This package allows the user to follow all the necessary steps for building an effective scorecard. It provides the user functions for coarse binning of variables, Weights of Evidence (WOE) transformation, variable clustering, custom binning, visualization, and scaling of logistic regression coefficients. The results will generate a scorecard that can be used as an effective credit scoring tool to evaluate risk. For complete details on the credit scoring process, see Siddiqi (2005, ISBN:047175451X).