Related papers: Towards a Better Microcredit Decision

We propose a novel class of separable multilayer network models to capture cross-layer dependencies in multilayer networks, enabling the analysis of how interactions in one or more layers may influence interactions in other layers. Our…

We use machine learning techniques to investigate whether it is possible to replicate the behavior of bank managers who assess the risk of commercial loans made by a large commercial US bank. Even though a typical bank already relies on an…

Decision making in modern stochastic systems, including e-commerce platforms, financial markets and healthcare systems, has evolved into a multifaceted process that combines information acquisition and adaptive information sources. This…

We propose a Bayesian regression method that accounts for multi-way interactions of arbitrary orders among the predictor variables. Our model makes use of a factorization mechanism for representing the regression coefficients of…

Much of contemporary systems biology owes its success to the abstraction of a network, the idea that diverse kinds of molecular, cellular, and organismal species and interactions can be modeled as relational nodes and edges in a graph of…

Side information is being used extensively to improve the effectiveness of sequential recommendation models. It is said to help capture the transition patterns among items. Most previous work on sequential recommendation that uses side…

Including pairwise interactions between the predictors of a regression model can produce better predicting models. However, to fit such interaction models on typical data sets in biology and other fields can often require solving enormous…

Modern AI systems are typically developed through multiple stages-pretraining, fine-tuning rounds, and subsequent adaptation or alignment, where each stage builds on the previous ones and updates the model in distinct ways. This raises a…

Large Language Models have achieved strong performance on reasoning tasks with objective answers by generating step-by-step solutions, but diagnosing where a multi-step reasoning trace might fail remains difficult. Confidence estimation…

There is a renewed interest in polynomial regression in the form of identifying influential interactions between features. In many settings, this takes place in a high-dimensional model, making the number of interactions unwieldy or…

Session-based Recommendation (SR) aims to predict the next item for recommendation based on previously recorded sessions of user interaction. The majority of existing approaches to SR focus on modeling the transition patterns of items. In…

As the final stage of the multi-stage recommender system (MRS), reranking directly affects users' experience and satisfaction, thus playing a critical role in MRS. Despite the improvement achieved in the existing work, three issues are yet…

In today's world, banks use artificial intelligence to optimize diverse business processes, aiming to improve customer experience. Most of the customer-related tasks can be categorized into two groups: 1) local ones, which focus on a…

We consider the problem of sequential evaluation, in which an evaluator observes candidates in a sequence and assigns scores to these candidates in an online, irrevocable fashion. Motivated by the psychology literature that has studied…

When an interval of integers between the lower bound $l_i$ and the upper bound $u_i$ is the support of the marginal distribution $n_i|(n_{i-1}, ...,n_1)$, Chen et al, 2005 noticed that sampling from the interval at each step, for $n_i$…

Most decision-focused learning work has focused on single stage problems whereas many real-world decision problems are more appropriately modelled using multistage optimisation. In multistage problems contextual information is revealed over…

In real-world applications, users always interact with items in multiple aspects, such as through implicit binary feedback (e.g., clicks, dislikes, long views) and explicit feedback (e.g., comments, reviews). Modern recommendation systems…

In this paper, we propose a hybrid bankcard response model, which integrates decision tree based chi-square automatic interaction detection (CHAID) into logistic regression. In the first stage of the hybrid model, CHAID analysis is used to…

FinTech lending (e.g., micro-lending) has played a significant role in facilitating financial inclusion. It has reduced processing times and costs, enhanced the user experience, and made it possible for people to obtain loans who may not…

Stepwise inference protocols, such as scratchpads and chain-of-thought, help language models solve complex problems by decomposing them into a sequence of simpler subproblems. Despite the significant gain in performance achieved via these…