Related papers: Linear Discriminant Analysis in Credit Scoring: A …
This paper examines two different yet related questions related to explainable AI (XAI) practices. Machine learning (ML) is increasingly important in financial services, such as pre-approval, credit underwriting, investments, and various…
This Generalized Discriminant Analysis (GDA) has provided an extremely powerful approach to extracting non linear features. The network traffic data provided for the design of intrusion detection system always are large with ineffective…
Discriminative features play an important role in image and object classification and also in other fields of research such as semi-supervised learning, fine-grained classification, out of distribution detection. Inspired by Linear…
We introduce a new method of performing high dimensional discriminant analysis, which we call multiDA. We achieve this by constructing a hybrid model that seamlessly integrates a multiclass diagonal discriminant analysis model and feature…
As the adoption of Artificial Intelligence (AI) models expands into critical real-world applications, ensuring the explainability of these models becomes paramount, particularly in sensitive fields such as medicine and finance. Linear…
Linear Discriminant Analysis (LDA) is a widely-used supervised dimensionality reduction method in computer vision and pattern recognition. In null space based LDA (NLDA), a well-known LDA extension, between-class distance is maximized in…
Linear discriminant analysis (LDA) is a fundamental method for feature extraction and dimensionality reduction. Despite having many variants, classical LDA has its own importance, as it is a keystone in human knowledge about statistical…
Linear discriminant analysis (LDA) is a well-known method for multiclass classification and dimensionality reduction. However, in general, ordinary LDA does not achieve high prediction accuracy when observations in some classes are…
Machine learning has recently been widely adopted to address the managerial decision making problems, in which the decision maker needs to be able to interpret the contributions of individual attributes in an explicit form. However, there…
In many modern computer application problems, the classification of image data plays an important role. Among many different supervised machine learning models, convolutional neural networks (CNNs) and linear discriminant analysis (LDA) as…
Linear Discriminant Analysis (LDA) is a fundamental method for classification. Its simple linear structure facilitates interpretation, and it is naturally suited to multi-class settings. LDA is also closely connected to several classical…
Credit scoring is a major application of machine learning for financial institutions to decide whether to approve or reject a credit loan. For sake of reliability, it is necessary for credit scoring models to be both accurate and globally…
Convolutional neural networks (CNNs) have been successful in representing the fully-connected inferencing ability perceived to be seen in the human brain: they take full advantage of the hierarchy-style patterns commonly seen in complex…
Person re-identification is to seek a correct match for a person of interest across views among a large number of imposters. It typically involves two procedures of non-linear feature extractions against dramatic appearance changes, and…
Accurate image segmentation remains challenging, particularly in generating sharp, confident boundaries. While modern architectures have advanced the field, many of them still rely on standard loss functions like Cross-Entropy and Dice,…
Fair lending practices and model interpretability are crucial concerns in the financial industry, especially given the increasing use of complex machine learning models. In response to the Consumer Financial Protection Bureau's (CFPB)…
We introduce Deep Linear Discriminant Analysis (DeepLDA) which learns linearly separable latent representations in an end-to-end fashion. Classic LDA extracts features which preserve class separability and is used for dimensionality…
This paper presents an intelligent and transparent AI-driven system for Credit Risk Assessment using three state-of-the-art ensemble machine learning models combined with Explainable AI (XAI) techniques. The system leverages XGBoost,…
Linear discriminant analysis (LDA) is a popular tool for classification and dimension reduction. Limited by its linear form and the underlying Gaussian assumption, however, LDA is not applicable in situations where the data distribution is…
Linear discriminant analysis (LDA) is a typical method for classification problems with large dimensions and small samples. There are various types of LDA methods that are based on the different types of estimators for the covariance…