Role of Data Science for Combating the Problem of Loan Defaults Using Tranquil-ART1NN Hybrid Deep Learning Approach

Author(s):  
Chandra Shaardha ◽  
Anna Alphy
Author(s):  
Duc-Khanh Nguyen ◽  
Chung-Hsien Lan ◽  
Chien-Lung Chan

With the development of information and technology, especially with the boom in big data, healthcare support systems are becoming much better. Patient data can be collected, retrieved, and stored in real time. These data are valuable and meaningful for monitoring, diagnosing, and further applications in data analysis and decision-making. Essentially, the data can be divided into three types, namely, statistical, image-based, and sequential data. Each type has a different method of retrieval, processing, and deployment. Additionally, the application of machine learning (ML) and deep learning (DL) in healthcare support systems is growing more rapidly than ever. Numerous high-performance architectures are proposed to optimize decision-making. As reliability and stability are the most important factors in the healthcare support system, enhancing the predicted performance and maintaining the stability of the model are always the top priority. The main idea of our study comes from ensemble techniques. Numerous studies and data science competitions show that by combining several weak models into one, ensemble models can attain outstanding performance and reliability. We propose three deep ensemble learning (DEL) approaches, each with stable and reliable performance, that are workable on the above-mentioned data types. These are deep-stacked generalization ensemble learning, gradient deep learning boosting, and deep aggregation learning. The experiment results show that our proposed approaches achieve more vigorous and reliable performance than traditional ML and DL techniques on statistical, image-based, and sequential benchmark datasets. In particular, on the Heart Disease UCI dataset, representing the statistical type, the gradient deep learning boosting approach dominates the others with accuracy, recall, F1-score, Matthews correlation coefficient, and area under the curve values of 0.87, 0.81, 0.83, 0.73, and 0.91, respectively. On the X-ray dataset, representing the image-based type, the deep aggregation learning approach shows the highest performance with values of 0.91, 0.97, 0.93, 0.80, and 0.94, respectively. On the Depresjon dataset, representing the sequence type, the deep-stacked generalization ensemble learning approach outperforms the others with values of 0.91, 0.84, 0.86, 0.8, and 0.94, respectively. Overall, we conclude that applying DL models using our proposed approaches is a promising method for the healthcare support system to enhance prediction and diagnosis performance. Furthermore, our study reveals that these approaches are flexible and easy to apply to achieve optimal performance.


2018 ◽  
Vol 2 ◽  
pp. 235-245
Author(s):  
Ikhwandi Arifin

This paper discusses the importance of the students ‘character building in the level of primary school/Islamic elementary school to face the globalization and information era. Education is the process of determining the nation’s character. Good or bad character of the nation in the future will be determined by the present quality of education. Building the character through Tahfidzul Quran learning approach is expected to be the main foundation to improve the degree and prestige of learners as the asset of the nation. This study aimed to describe the process of Tahfidzul Quran learning which included planning, organizing, doing action and monitoring the important role of learning itself to build the learners’ character, especially in Madrasah Ibtidaiyah Istiqomah Sambas Purbalingga.


2018 ◽  
Vol 6 (3) ◽  
pp. 122-126
Author(s):  
Mohammed Ibrahim Khan ◽  
◽  
Akansha Singh ◽  
Anand Handa ◽  
◽  
...  

2020 ◽  
Author(s):  
Saeed Nosratabadi ◽  
Amir Mosavi ◽  
Puhong Duan ◽  
Pedram Ghamisi ◽  
Ferdinand Filip ◽  
...  

This paper provides a state-of-the-art investigation of advances in data science in emerging economic applications. The analysis was performed on novel data science methods in four individual classes of deep learning models, hybrid deep learning models, hybrid machine learning, and ensemble models. Application domains include a wide and diverse range of economics research from the stock market, marketing, and e-commerce to corporate banking and cryptocurrency. Prisma method, a systematic literature review methodology, was used to ensure the quality of the survey. The findings reveal that the trends follow the advancement of hybrid models, which, based on the accuracy metric, outperform other learning algorithms. It is further expected that the trends will converge toward the advancements of sophisticated hybrid deep learning models.


2020 ◽  
Vol 17 (3) ◽  
pp. 299-305 ◽  
Author(s):  
Riaz Ahmad ◽  
Saeeda Naz ◽  
Muhammad Afzal ◽  
Sheikh Rashid ◽  
Marcus Liwicki ◽  
...  

This paper presents a deep learning benchmark on a complex dataset known as KFUPM Handwritten Arabic TexT (KHATT). The KHATT data-set consists of complex patterns of handwritten Arabic text-lines. This paper contributes mainly in three aspects i.e., (1) pre-processing, (2) deep learning based approach, and (3) data-augmentation. The pre-processing step includes pruning of white extra spaces plus de-skewing the skewed text-lines. We deploy a deep learning approach based on Multi-Dimensional Long Short-Term Memory (MDLSTM) networks and Connectionist Temporal Classification (CTC). The MDLSTM has the advantage of scanning the Arabic text-lines in all directions (horizontal and vertical) to cover dots, diacritics, strokes and fine inflammation. The data-augmentation with a deep learning approach proves to achieve better and promising improvement in results by gaining 80.02% Character Recognition (CR) over 75.08% as baseline.


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