There is a growing Financial Technology (Fintech) business model, such as Peer to Peer
(P2P) Lending. P2P Lending allows individuals and businesses to borrow and lend money …

Unlabelled data appear in many domains and are particularly relevant to streaming
applications, where even though data is abundant, labelled data is rare. To address the …

Peer-to-peer (P2P) lending demands effective and explainable credit risk models. Typical
machine learning algorithms offer high prediction performance, but most of them lack …

Regarding to the increasingly attention on the credit risk rating system, the tradition way to
evaluate the credibility of any given individual or company using machine learning is based …

The large volume of data generated by computer networks, smartphones, wearables and a
wide range of sensors, which produce real-time data, are only useful if they can be efficiently …

Abstract Peer-to-peer (P2P) lending is a market with significant growth in recent years. We
review the academic literature published during the last decade on P2P lending to identify …

Machine learning in real-world scenarios is often challenged by concept drift and class
imbalance. This paper proposes a Resample-based Ensemble Framework for Drifting …

Peer-to-peer lending (P2P lending) has proliferated in recent years thanks to Fintech and
big data advancements. However, P2P lending platforms are not tightly governed by …

A key element of any machine learning algorithm is the use of a function that measures the
dis/similarity between data points. Given a task, such a function can be optimized with a …

It has great significance for the healthy development of credit industry to control the credit
default risk by using the information technology. For some traditional research about the …