Related papers: Mining Bad Credit Card Accounts from OLAP and OLTP

Venezuelan banks have historically made credit card limit adjustment decisions manually through committees. However, since the number of credit card holders in Venezuela is expected to increase in the upcoming months due to economic…

Credit risk assessment is a crucial aspect of financial decision-making, enabling institutions to predict the likelihood of default and make informed lending decisions. Two prominent methodologies in credit risk modeling are logistic…

In this paper, we study the problem of early detection of fake user accounts on social networks based solely on their network connectivity with other users. Removing such accounts is a core task for maintaining the integrity of social…

Bank credit risk is a significant challenge in modern financial transactions, and the ability to identify qualified credit card holders among a large number of applicants is crucial for the profitability of a bank'sbank's credit card…

The extensive use of the internet is continuously drifting businesses to incorporate their services in the online environment. One of the first spectrums to embrace this evolution was the banking sector. In fact, the first known online…

Online trading has attracted millions of people around the world. In March 2021, it was reported there were 18 million accounts from just one broker. Historically, manipulation in financial markets is considered to be fraudulently…

Addressing class imbalance is a central challenge in credit card fraud detection, as it directly impacts predictive reliability in real-world financial systems. To overcome this, the study proposes an enhanced workflow based on the…

In strategic classification, an institution (e.g., a bank) anticipates adaptation from users who change their features to increase utility in a classification task (e.g., loan repayment). Since a key challenge is the distribution shift…

We consider the problem of online allocation subject to a long-term fairness penalty. Contrary to existing works, however, we do not assume that the decision-maker observes the protected attributes -- which is often unrealistic in practice.…

Business Processes, i.e., a set of coordinated tasks and activities to achieve a business goal, and their continuous improvements are key to the operation of any organization. In banking, business processes are increasingly dynamic as…

In this study, we explore how to improve the functionality of multiclass classification algorithms. We used a benchmark dataset from Kaggle to create a framework. They have been used in a number of fields, including image recognition,…

Corporate failure resonates widely leaving practitioners searching for understanding of default risk. Managers seek to steer away from trouble, credit providers to avoid risky loans and investors to mitigate losses. Applying Topological…

Automated decision-making algorithms drive applications such as recommendation systems and search engines. These algorithms often rely on off-policy contextual bandits or off-policy learning (OPL). Conventionally, OPL selects actions that…

Counterparty risk denotes the risk that a party defaults in a bilateral contract. This risk not only depends on the two parties involved, but also on the risk from various other contracts each of these parties holds. In rather informal…

It is often said that war creates a fog in which it becomes difficult to discern friend from foe on the battlefield. In the ongoing war on fake accounts, conscious development of taxonomies of the phenomenon has yet to occur, resulting in…

This research explores the opportunities for the application of network analytic techniques to prevent money laundering. We worked on real world data by analyzing the central database of a factoring company, mainly operating in Italy, over…

This paper aims to categorize bank transactions using weak supervision, natural language processing, and deep neural network techniques. Our approach minimizes the reliance on expensive and difficult-to-obtain manual annotations by…

In social networks, a single user may create multiple accounts to spread his / her opinions and to influence others, by actively comment on different news pages. It would be beneficial to both social networks and their communities, to…

Decision-based evasion attacks repeatedly query a black-box classifier to generate adversarial examples. Prior work measures the cost of such attacks by the total number of queries made to the classifier. We argue this metric is flawed.…

With an increase in financial accounting fraud in the current economic scenario experienced, financial accounting fraud detection has become an emerging topics of great importance for academics, research and industries. Financial fraud is a…