Machine learning towards intelligent systems: applications, challenges, and opportunities

MN Injadat, A Moubayed, AB Nassif… - Artificial Intelligence …, 2021 - Springer
The emergence and continued reliance on the Internet and related technologies has
resulted in the generation of large amounts of data that can be made available for analyses …

Consumer credit risk assessment: A review from the state-of-the-art classification algorithms, data traits, and learning methods

X Zhang, L Yu - Expert Systems with Applications, 2024 - Elsevier
Credit risk assessment is a crucial element in credit risk management. With the extensive
research on consumer credit risk assessment in recent decades, the abundance of literature …

Imbalanced data classification: A KNN and generative adversarial networks-based hybrid approach for intrusion detection

H Ding, L Chen, L Dong, Z Fu, X Cui - Future Generation Computer Systems, 2022 - Elsevier
With the continuous emergence of various network attacks, it is becoming more and more
important to ensure the security of the network. Intrusion detection, as one of the important …

A survey on gan techniques for data augmentation to address the imbalanced data issues in credit card fraud detection

E Strelcenia, S Prakoonwit - Machine Learning and Knowledge Extraction, 2023 - mdpi.com
Data augmentation is an important procedure in deep learning. GAN-based data
augmentation can be utilized in many domains. For instance, in the credit card fraud domain …

The use of generative adversarial networks to alleviate class imbalance in tabular data: a survey

R Sauber-Cole, TM Khoshgoftaar - Journal of Big Data, 2022 - Springer
The existence of class imbalance in a dataset can greatly bias the classifier towards majority
classification. This discrepancy can pose a serious problem for deep learning models, which …

Deep reinforcement learning with the confusion-matrix-based dynamic reward function for customer credit scoring

Y Wang, Y Jia, Y Tian, J **ao - Expert Systems with Applications, 2022 - Elsevier
Customer credit scoring is a dynamic interactive process. Simply designing the static reward
function for deep reinforcement learning may be difficult to guide an agent to adapt to the …

A novel federated learning approach with knowledge transfer for credit scoring

Z Wang, J **ao, L Wang, J Yao - Decision Support Systems, 2024 - Elsevier
The expanding availability of data in the financial sector promises to take the performance of
machine learning models to a new level. However, given the high business value and …

Bagging supervised autoencoder classifier for credit scoring

M Abdoli, M Akbari, J Shahrabi - Expert Systems with Applications, 2023 - Elsevier
Automatic credit scoring, a crucial risk management tool for banks and financial institutes,
has attracted much attention in the past few decades. As such, various approaches have …

Benchmarking state-of-the-art imbalanced data learning approaches for credit scoring

C Jiang, W Lu, Z Wang, Y Ding - Expert systems with applications, 2023 - Elsevier
The goal of credit scoring is to identify abnormalities, aiding decision making and
maintaining the order of financial transactions. Due to the small number of default records …

A focal-aware cost-sensitive boosted tree for imbalanced credit scoring

W Liu, H Fan, M **a, M **a - Expert Systems with Applications, 2022 - Elsevier
Credit scoring is an effective tool for banks or lending institutions to identify potential bad
lenders and creditworthy applicants. Boosting ensemble approaches have made appealing …