scholarly journals Artificial neural network technique for improving prediction of credit card default: A stacked sparse autoencoder approach

2021 ◽  
Vol 11 (5) ◽  
pp. 4392
Author(s):  
Sarah A. Ebiaredoh-Mienye ◽  
E. Esenogho ◽  
Theo G. Swart
Keyword(s):  
Machine Learning ◽  
Credit Card ◽  
Learning Algorithms ◽  
Feature Learning ◽  
Machine Learning Algorithms ◽  
Superior Performance ◽  
Feature Representations ◽  
Sparse Autoencoder ◽  
Stacked Sparse Autoencoder ◽  
Credit Card Default

Presently, the use of a credit card has become an integral part of contemporary banking and financial system. Predicting potential credit card defaulters or debtors is a crucial business opportunity for financial institutions. For now, some machine learning methods have been applied to achieve this task. However, with the dynamic and imbalanced nature of credit card default data, it is challenging for classical machine learning algorithms to proffer robust models with optimal performance. Research has shown that the performance of machine learning algorithms can be significantly improved when provided with optimal features. In this paper, we propose an unsupervised feature learning method to improve the performance of various classifiers using a stacked sparse autoencoder (SSAE). The SSAE was optimized to achieve improved performance. The proposed SSAE learned excellent feature representations that were used to train the classifiers. The performance of the proposed approach is compared with an instance where the classifiers were trained using the raw data. Also, a comparison is made with previous scholarly works, and the proposed approach showed superior performance over other methods.

scholarly journals Integrating Enhanced Sparse Autoencoder-Based Artificial Neural Network Technique and Softmax Regression for Medical Diagnosis

Electronics ◽  
2020 ◽  
Vol 9 (11) ◽  
pp. 1963
Author(s):  
Sarah A. Ebiaredoh-Mienye ◽  
Ebenezer Esenogho ◽  
Theo G. Swart
Keyword(s):  
Machine Learning ◽  
Learning Algorithms ◽  
Diagnostic Errors ◽  
Feature Learning ◽  
Machine Learning Algorithms ◽  
Superior Performance ◽  
Minority Class ◽  
Softmax Regression ◽  
Softmax Classifier ◽  
Sparse Autoencoder

In recent times, several machine learning models have been built to aid in the prediction of diverse diseases and to minimize diagnostic errors made by clinicians. However, since most medical datasets seem to be imbalanced, conventional machine learning algorithms tend to underperform when trained with such data, especially in the prediction of the minority class. To address this challenge and proffer a robust model for the prediction of diseases, this paper introduces an approach that comprises of feature learning and classification stages that integrate an enhanced sparse autoencoder (SAE) and Softmax regression, respectively. In the SAE network, sparsity is achieved by penalizing the weights of the network, unlike conventional SAEs that penalize the activations within the hidden layers. For the classification task, the Softmax classifier is further optimized to achieve excellent performance. Hence, the proposed approach has the advantage of effective feature learning and robust classification performance. When employed for the prediction of three diseases, the proposed method obtained test accuracies of 98%, 97%, and 91% for chronic kidney disease, cervical cancer, and heart disease, respectively, which shows superior performance compared to other machine learning algorithms. The proposed approach also achieves comparable performance with other methods available in the recent literature.

scholarly journals Comparison of Different Ensemble Methods in Credit Card Default Prediction

2021 ◽  
Vol 5 (2) ◽  
pp. 20-25
Author(s):  
Azhi Abdalmohammed Faraj ◽  
Didam Ahmed Mahmud ◽  
Bilal Najmaddin Rashid
Keyword(s):  
Machine Learning ◽  
Neural Networks ◽  
Credit Card ◽  
Characteristic Curve ◽  
Learning Algorithms ◽  
Ensemble Methods ◽  
Research Problem ◽  
Machine Learning Algorithms ◽  
Default Prediction ◽  
Credit Card Default

Credit card defaults pause a business-critical threat in banking systems thus prompt detection of defaulters is a crucial and challenging research problem. Machine learning algorithms must deal with a heavily skewed dataset since the ratio of defaulters to non-defaulters is very small. The purpose of this research is to apply different ensemble methods and compare their performance in detecting the probability of defaults customer’s credit card default payments in Taiwan from the UCI Machine learning repository. This is done on both the original skewed dataset and then on balanced dataset several studies have showed the superiority of neural networks as compared to traditional machine learning algorithms, the results of our study show that ensemble methods consistently outperform Neural Networks and other machine learning algorithms in terms of F1 score and area under receiver operating characteristic curve regardless of balancing the dataset or ignoring the imbalance

scholarly journals Accurate estimation of isoelectric point of protein and peptide based on amino acid sequences

2015 ◽  
Vol 32 (6) ◽  
pp. 821-827 ◽  
Author(s):  
Enrique Audain ◽  
Yassel Ramos ◽  
Henning Hermjakob ◽  
Darren R. Flower ◽  
Yasset Perez-Riverol
Keyword(s):  
Machine Learning ◽  
Isoelectric Point ◽  
Learning Algorithms ◽  
Machine Learning Algorithms ◽  
Basis Set ◽  
Superior Performance ◽  
Supplementary Information ◽  
Training Dataset ◽  
Accurate Estimation ◽  
Prediction Methods

Abstract Motivation: In any macromolecular polyprotic system—for example protein, DNA or RNA—the isoelectric point—commonly referred to as the pI—can be defined as the point of singularity in a titration curve, corresponding to the solution pH value at which the net overall surface charge—and thus the electrophoretic mobility—of the ampholyte sums to zero. Different modern analytical biochemistry and proteomics methods depend on the isoelectric point as a principal feature for protein and peptide characterization. Protein separation by isoelectric point is a critical part of 2-D gel electrophoresis, a key precursor of proteomics, where discrete spots can be digested in-gel, and proteins subsequently identified by analytical mass spectrometry. Peptide fractionation according to their pI is also widely used in current proteomics sample preparation procedures previous to the LC-MS/MS analysis. Therefore accurate theoretical prediction of pI would expedite such analysis. While such pI calculation is widely used, it remains largely untested, motivating our efforts to benchmark pI prediction methods. Results: Using data from the database PIP-DB and one publically available dataset as our reference gold standard, we have undertaken the benchmarking of pI calculation methods. We find that methods vary in their accuracy and are highly sensitive to the choice of basis set. The machine-learning algorithms, especially the SVM-based algorithm, showed a superior performance when studying peptide mixtures. In general, learning-based pI prediction methods (such as Cofactor, SVM and Branca) require a large training dataset and their resulting performance will strongly depend of the quality of that data. In contrast with Iterative methods, machine-learning algorithms have the advantage of being able to add new features to improve the accuracy of prediction. Contact: [email protected] Availability and Implementation: The software and data are freely available at https://github.com/ypriverol/pIR. Supplementary information: Supplementary data are available at Bioinformatics online.

scholarly journals DETECTING CREDIT CARD FRAUD USING MACHINE LEARNING ALGORITHMS

InterConf ◽  
2021 ◽  
pp. 393-403
Author(s):  
Olexander Shmatko ◽  
Volodimir Fedorchenko ◽  
Dmytro Prochukhan
Keyword(s):  
Machine Learning ◽  
Financial Services ◽  
Credit Card ◽  
Banking Sector ◽  
Learning Algorithm ◽  
Learning Algorithms ◽  
Credit Cards ◽  
Internet Banking ◽  
Machine Learning Algorithms ◽  
Credit Card Fraud

Today the banking sector offers its clients many different financial services such as ATM cards, Internet banking, Debit card, and Credit card, which allows attracting a large number of new customers. This article proposes an information system for detecting credit card fraud using a machine learning algorithm. Usually, credit cards are used by the customer around the clock, so the bank's server can track all transactions using machine learning algorithms. It must find or predict fraud detection. The dataset contains characteristics for each transaction and fraudulent transactions need to be classified and detected. For these purposes, the work proposes the use of the Random Forest algorithm.

scholarly journals Linear Support Vector Machines for Prediction of Student Performance in School-Based Education

2020 ◽  
Vol 2020 ◽  
pp. 1-7
Author(s):  
Nalindren Naicker ◽  
Timothy Adeliyi ◽  
Jeanette Wing
Keyword(s):  
Machine Learning ◽  
Support Vector Machines ◽  
Student Performance ◽  
State Of The Art ◽  
Learning Algorithms ◽  
The State ◽  
Machine Learning Algorithms ◽  
Superior Performance ◽  
Support Vector ◽  
Vector Machines

Educational Data Mining (EDM) is a rich research field in computer science. Tools and techniques in EDM are useful to predict student performance which gives practitioners useful insights to develop appropriate intervention strategies to improve pass rates and increase retention. The performance of the state-of-the-art machine learning classifiers is very much dependent on the task at hand. Investigating support vector machines has been used extensively in classification problems; however, the extant of literature shows a gap in the application of linear support vector machines as a predictor of student performance. The aim of this study was to compare the performance of linear support vector machines with the performance of the state-of-the-art classical machine learning algorithms in order to determine the algorithm that would improve prediction of student performance. In this quantitative study, an experimental research design was used. Experiments were set up using feature selection on a publicly available dataset of 1000 alpha-numeric student records. Linear support vector machines benchmarked with ten categorical machine learning algorithms showed superior performance in predicting student performance. The results of this research showed that features like race, gender, and lunch influence performance in mathematics whilst access to lunch was the primary factor which influences reading and writing performance.

scholarly journals Imputation of PaO2 from SpO2 values from the MIMIC-III Critical Care Database Using Machine-Learning Based Algorithms

2021 ◽  
Author(s):  
Shuangxia Ren ◽  
Jill Zupetic ◽  
Mehdi Nouraie ◽  
Xinghua Lu ◽  
Richard D. Boyce ◽  
...  
Keyword(s):  
Machine Learning ◽  
Learning Algorithms ◽  
Machine Learning Algorithms ◽  
Superior Performance ◽  
Learning Models ◽  
Mechanically Ventilated ◽  
Mechanically Ventilated Patients ◽  
Mimic Iii ◽  
Ventilated Patients ◽  
Machine Learning Models

AbstractBackgroundThe partial pressure of oxygen (PaO2)/fraction of oxygen delivered (FIO2) ratio is the reference standard for assessment of hypoxemia in mechanically ventilated patients. Non-invasive monitoring with the peripheral saturation of oxygen (SpO2) is increasingly utilized to estimate PaO2 because it does not require invasive sampling. Several equations have been reported to impute PaO2/FIO2 from SpO2 /FIO2. However, machine-learning algorithms to impute the PaO2 from the SpO2 has not been compared to published equations.Research QuestionHow do machine learning algorithms perform at predicting the PaO2 from SpO2 compared to previously published equations?MethodsThree machine learning algorithms (neural network, regression, and kernel-based methods) were developed using 7 clinical variable features (n=9,900 ICU events) and subsequently 3 features (n=20,198 ICU events) as input into the models from data available in mechanically ventilated patients from the Medical Information Mart for Intensive Care (MIMIC) III database. As a regression task, the machine learning models were used to impute PaO2 values. As a classification task, the models were used to predict patients with moderate-to-severe hypoxemic respiratory failure based on a clinically relevant cut-off of PaO2/FIO2 ≤ 150. The accuracy of the machine learning models was compared to published log-linear and non-linear equations. An online imputation calculator was created.ResultsCompared to seven features, three features (SpO2, FiO2 and PEEP) were sufficient to impute PaO2/FIO2 ratio using a large dataset. Any of the tested machine learning models enabled imputation of PaO2/FIO2 from the SpO2/FIO2 with lower error and had greater accuracy in predicting PaO2/FIO2 ≤ 150 compared to published equations. Using three features, the machine learning models showed superior performance in imputing PaO2 across the entire span of SpO2 values, including those ≥ 97%.InterpretationThe improved performance shown for the machine learning algorithms suggests a promising framework for future use in large datasets.

scholarly journals Supervised Machine Learning Algorithms for Credit Card Fraudulent Transaction Detection

2019 ◽  
pp. 394-401
Author(s):  
Karthik R ◽  
Navinkumar R ◽  
Rammkumar U ◽  
Mothilal K. C.
Keyword(s):  
Machine Learning ◽  
Real World ◽  
Credit Card ◽  
Learning Algorithms ◽  
Machine Learning Algorithms ◽  
Supervised Machine Learning ◽  
Transaction Data ◽  
Online Transactions ◽  
Spending Behavior ◽  
Financial Transactions

Cashless transactions such as online transactions, credit card transactions, and mobile wallet are becoming more popular in financial transactions nowadays. With increased number of such cashless transaction, number of fraudulent transactions is also increasing. Fraud can be distinguished by analyzing spending behavior of customers (users) from previous transaction data. Credit card fraud has highly imbalanced publicly available datasets. In this paper, we apply many supervised machine learning algorithms to detect credit card fraudulent transactions using a real-world dataset. Furthermore, we employ these algorithms to implement a super classifier using ensemble learning methods. We identify the most important variables that may lead to higher accuracy in credit card fraudulent transaction detection. Additionally, we compare and discuss the performance of various supervised machine learning algorithms that exist in literature against the super classifier that we implemented in this paper.

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