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Data quality issues have attracted widespread attention due to the negative impacts of dirty data on data mining and machine learning results. The relationship between data quality and the accuracy of results could be applied on the…

Databases · Computer Science 2021-04-27 Zhixin Qi , Hongzhi Wang , Jianzhong Li , Hong Gao

The quality of training data has a huge impact on the efficiency, accuracy and complexity of machine learning tasks. Various tools and techniques are available that assess data quality with respect to general cleaning and profiling checks.…

As machine learning models become increasingly prevalent in critical decision-making models and systems in fields like finance, healthcare, etc., ensuring their robustness against adversarial attacks and changes in the input data is…

Machine Learning · Statistics 2024-08-05 Arun Prakash R , Anwesha Bhattacharyya , Joel Vaughan , Vijayan N. Nair

Mortgage default prediction is a core task in financial risk management, and machine learning models are increasingly used to estimate default probabilities and provide interpretable signals for downstream decisions. In real-world mortgage…

Machine Learning · Computer Science 2026-02-03 Xianghong Hu , Tianning Xu , Ying Chen , Shuai Wang

The forecasting of credit default risk has been an active research field for several decades. Historically, logistic regression has been used as a major tool due to its compliance with regulatory requirements: transparency, explainability,…

Machine Learning · Computer Science 2022-09-22 Dangxing Chen , Weicheng Ye

Data quality affects machine learning (ML) model performances, and data scientists spend considerable amount of time on data cleaning before model training. However, to date, there does not exist a rigorous study on how exactly cleaning…

Databases · Computer Science 2021-04-07 Peng Li , Xi Rao , Jennifer Blase , Yue Zhang , Xu Chu , Ce Zhang

In an era of escalating cyber threats, malware poses significant risks to individuals and organizations, potentially leading to data breaches, system failures, and substantial financial losses. This study addresses the urgent need for…

Cryptography and Security · Computer Science 2025-01-28 Marzieh Esnaashari , Nima Moradi

Nowadays, people strive to improve the accuracy of deep learning models. However, very little work has focused on the quality of data sets. In fact, data quality determines model quality. Therefore, it is important for us to make research…

Machine Learning · Computer Science 2019-07-01 Tianxing He , Shengcheng Yu , Ziyuan Wang , Jieqiong Li , Zhenyu Chen

Developing machine learning models can be seen as a process similar to the one established for traditional software development. A key difference between the two lies in the strong dependency between the quality of a machine learning model…

Machine Learning · Computer Science 2021-02-17 Cedric Renggli , Luka Rimanic , Nezihe Merve Gürel , Bojan Karlaš , Wentao Wu , Ce Zhang

With the proliferation of algorithmic decision-making, increased scrutiny has been placed on these systems. This paper explores the relationship between the quality of the training data and the overall fairness of the models trained with…

Computer Vision and Pattern Recognition · Computer Science 2023-05-03 Aki Barry , Lei Han , Gianluca Demartini

Autonomous or self-driving networks are expected to provide a solution to the myriad of extremely demanding new applications with minimal human supervision. For this purpose, the community relies on the development of new Machine Learning…

Machine Learning · Computer Science 2024-12-06 José Camacho , Katarzyna Wasielewska , Pablo Espinosa , Marta Fuentes-García

A major requirement for credit scoring models is to provide a maximally accurate risk prediction. Additionally, regulators demand these models to be transparent and auditable. Thus, in credit scoring, very simple predictive models such as…

Machine Learning · Statistics 2020-09-30 Michael Bücker , Gero Szepannek , Alicja Gosiewska , Przemyslaw Biecek

This study conducts a benchmarking study, comparing 23 different statistical and machine learning methods in a credit scoring application. In order to do so, the models' performance is evaluated over four different data sets in combination…

Econometrics · Economics 2019-07-31 Anna Stelzer

The widespread use of machine learning in credit scoring has brought significant advancements in risk assessment and decision-making. However, it has also raised concerns about potential biases, discrimination, and lack of transparency in…

Credit scoring models are the primary instrument used by financial institutions to manage credit risk. The scarcity of research on behavioral scoring is due to the difficult data access. Financial institutions have to maintain the privacy…

Risk Management · Quantitative Finance 2023-01-04 Ricardo Muñoz-Cancino , Cristián Bravo , Sebastián A. Ríos , Manuel Graña

Machine Learning (ML) techniques have been rapidly adopted by smart Cyber-Physical Systems (CPS) and Internet-of-Things (IoT) due to their powerful decision-making capabilities. However, they are vulnerable to various security and…

Cryptography and Security · Computer Science 2021-01-08 Muhammad Shafique , Mahum Naseer , Theocharis Theocharides , Christos Kyrkou , Onur Mutlu , Lois Orosa , Jungwook Choi

In the AutoML domain, test accuracy is heralded as the quintessential metric for evaluating model efficacy, underpinning a wide array of applications from neural architecture search to hyperparameter optimization. However, the reliability…

Machine Learning · Computer Science 2024-09-24 Pawel Pukowski , Haiping Lu

Predicting the probability of default (PD) of prospective loans is a critical objective for financial institutions. In recent years, machine learning (ML) algorithms have achieved remarkable success across a wide variety of prediction…

Risk Management · Quantitative Finance 2025-06-25 Adrian Iulian Cristescu , Matteo Giordano

Machine learning (ML) systems are increasingly deployed in high-stakes domains where reliability is paramount. This thesis investigates how uncertainty estimation can enhance the safety and trustworthiness of ML, focusing on selective…

Machine Learning · Computer Science 2025-09-09 Stephan Rabanser

Sustainability and efficiency have become essential considerations in the development and deployment of Artificial Intelligence systems, but existing regulatory practices for Green AI still lack standardized, model-agnostic evaluation…

Machine Learning · Computer Science 2026-03-19 Jorge Paz-Ruza , João Gama , Amparo Alonso-Betanzos , Bertha Guijarro-Berdiñas