Machine learning towards intelligent systems: applications, challenges, and opportunities
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 …
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
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 …
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 …
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 …
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 …
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 …
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 …
machine learning models to a new level. However, given the high business value and …
Bagging supervised autoencoder classifier for credit scoring
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 …
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
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 …
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 …
lenders and creditworthy applicants. Boosting ensemble approaches have made appealing …