Related papers: Enhancing Credit Default Prediction Using Boruta F…

Credit scoring is a systematic approach to evaluate a borrower's probability of default (PD) on a bank loan. The data associated with such scenarios are characteristically imbalanced, complicating binary classification owing to the…

Credit card fraud detection is a critical challenge in the financial sector, demanding sophisticated approaches to accurately identify fraudulent transactions. This research proposes an innovative methodology combining Neural Networks (NN)…

Imbalanced learning is a fundamental challenge in data mining, where there is a disproportionate ratio of training samples in each class. Over-sampling is an effective technique to tackle imbalanced learning through generating synthetic…

Class-imbalanced data, in which some classes contain far more samples than others, is ubiquitous in real-world applications. Standard techniques for handling class-imbalance usually work by training on a re-weighted loss or on re-balanced…

Today, with respect to the increasing growth of demand to get credit from the customers of banks and finance and credit institutions, using an effective and efficient method to decrease the risk of non-repayment of credit given is very…

Data rebalancing techniques, including oversampling and undersampling, are a common approach to addressing the challenges of imbalanced data. To tackle unresolved problems related to both oversampling and undersampling, we propose a new…

Visual defect detection in industrial glass manufacturing remains a critical challenge due to the low frequency of defective products, leading to imbalanced datasets that limit the performance of deep learning models and computer vision…

Many real-world optimization problems contain parameters that are unknown before deployment time, either due to stochasticity or to lack of information (e.g., demand or travel times in delivery problems). A common strategy in such cases is…

Predicting default is essential for banks to ensure profitability and financial stability. While modern machine learning methods often outperform traditional regression techniques, their lack of transparency limits their use in regulated…

Powered with telematics technology, insurers can now capture a wide range of data, such as distance traveled, how drivers brake, accelerate or make turns, and travel frequency each day of the week, to better decode driver's behavior. Such…

Causal learning is the key to obtaining stable predictions and answering \textit{what if} problems in decision-makings. In causal learning, it is central to seek methods to estimate the average treatment effect (ATE) from observational…

In imbalanced multi-class classification problems, the misclassification rate as an error measure may not be a relevant choice. Several methods have been developed where the performance measure retained richer information than the mere…

Machine learning methods based on AdaBoost have been widely applied to various classification problems across many mission-critical applications including healthcare, law and finance. However, there is a growing concern about the unfairness…

Many practical decision-making problems in economics and healthcare seek to estimate the average treatment effect (ATE) from observational data. The Double/Debiased Machine Learning (DML) is one of the prevalent methods to estimate ATE in…

Deep image clustering methods are typically evaluated on small-scale balanced classification datasets while feature-based $k$-means has been applied on proprietary billion-scale datasets. In this work, we explore the performance of…

Introduction Data imbalance is one of the crucial issues in big data analysis with fewer labels. For example, in real-world healthcare data, spam detection labels, and financial fraud detection datasets. Many data balance methods were…

Boosting is a learning scheme that combines weak prediction rules to produce a strong composite estimator, with the underlying intuition that one can obtain accurate prediction rules by combining "rough" ones. Although boosting is proved to…

Class imbalance remains a significant challenge in machine learning, particularly for tabular data classification tasks. While Gradient Boosting Decision Trees (GBDT) models have proven highly effective for such tasks, their performance can…

The advent of artificial intelligence has significantly enhanced credit scoring technologies. Despite the remarkable efficacy of advanced deep learning models, mainstream adoption continues to favor tree-structured models due to their…

In practice, machine learning experts are often confronted with imbalanced data. Without accounting for the imbalance, common classifiers perform poorly and standard evaluation metrics mislead the practitioners on the model's performance. A…