The R package smbinning (https://cran.r-project.org/web/packages/smbinning/index.html) provides a very user-friendly interface for the WoE (Weight of Evidence) binning algorithm employed in the scorecard development. However, there are several improvement opportunities in my view: 1. First of all, the underlying algorithm in the smbinning() function utilizes the recursive partitioning, which does not necessarily guarantee the monotonicity. 2. …