Related papers: Mining Bad Credit Card Accounts from OLAP and OLTP
For more than a half-century, credit risk management has used credit scoring models in each of its well-defined stages to manage credit risk. Application scoring is used to decide whether to grant a credit or not, while behavioral scoring…
With the proliferation of various online and mobile payment systems, credit card fraud has emerged as a significant threat to financial security. This study focuses on innovative applications of the latest Transformer models for more robust…
The credit card has become the most popular payment method for both online and offline transactions. The necessity to create a fraud detection algorithm to precisely identify and stop fraudulent activity arises as a result of both the…
We study an online classification problem with partial feedback in which individuals arrive one at a time from a fixed but unknown distribution, and must be classified as positive or negative. Our algorithm only observes the true label of…
Growing main memory sizes have facilitated database management systems that keep the entire database in main memory. The drastic performance improvements that came along with these in-memory systems have made it possible to reunite the two…
Information is frequently retrieved from valid personal ID cards by the authorised organisation to address different purposes. The successful information retrieval (IR) depends on the accuracy and timing process. A process which…
Risk-based authentication (RBA) is used in online services to protect user accounts from unauthorized takeover. RBA commonly uses contextual features that indicate a suspicious login attempt when the characteristic attributes of the login…
Bandit algorithms for online learning to rank (OLTR) problems often aim to maximize long-term revenue by utilizing user feedback. From a practical point of view, however, such algorithms have a high risk of hurting user experience due to…
The rise in the adoption of blockchain technology has led to increased illegal activities by cyber-criminals costing billions of dollars. Many machine learning algorithms are applied to detect such illegal behavior. These algorithms are…
Credit assessments activities are essential for financial institutions and allow the global economy to grow. Building robust, solid and accurate models that estimate the probability of a default of a company is mandatory for credit…
Since the 1990s, there have been significant advances in the technology space and the e-Commerce area, leading to an exponential increase in demand for cashless payment solutions. This has led to increased demand for credit cards, bringing…
Credit scoring is vital in the financial industry, assessing the risk of lending to credit card applicants. Traditional credit scoring methods face challenges with large datasets and data imbalance between creditworthy and non-creditworthy…
Credit scoring is a rapidly expanding analytical technique used by banks and other financial institutions. Academic studies on credit scoring provide a range of classification techniques used to differentiate between good and bad borrowers.…
As item trading becomes more popular, users can change their game items or money into real money more easily. At the same time, hackers turn their eyes on stealing other users game items or money because it is much easier to earn money than…
This paper explores the use of clustering methods and machine learning algorithms, including Natural Language Processing (NLP), to identify and classify problems identified in credit risk models through textual information contained in…
Ant Credit Pay is a consumer credit service in Ant Financial Service Group. Similar to credit card, loan default is one of the major risks of this credit product. Hence, effective algorithm for default prediction is the key to losses…
A major challenge in consumer credit risk portfolio management is to classify households according to their risk profile. In order to build such risk profiles it is necessary to employ an approach that analyses data systematically in order…
Credential stuffing attacks use stolen passwords to log into victim accounts. To defend against these attacks, recently deployed compromised credential checking (C3) services provide APIs that help users and companies check whether a…
Decentralized Finance (DeFi), a financial ecosystem without centralized controlling organization, has introduced a new paradigm for lending and borrowing. However, its capital efficiency remains constrained by the inability to effectively…
Understanding micro-architectural behavior is profound in efficiently using hardware resources. Recent work has shown that, despite being aggressively optimized for modern hardware, in-memory online transaction processing (OLTP) systems…