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 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.

EMOTIONS RECOGNITION IN HUMAN SPEECH USING DEEP NEURAL NETWORKS

2021 ◽  
pp. 44-51
Author(s):  
E. Yu. Shchetinin
Keyword(s):  
Neural Network ◽  
Machine Learning ◽  
Neural Networks ◽  
Convolutional Neural Network ◽  
Recurrent Neural Network ◽  
Deep Neural Networks ◽  
Learning Algorithms ◽  
Machine Learning Algorithms ◽  
Audio Recordings ◽  
Computer Studies

The recognition of human emotions is one of the most relevant and dynamically developing areas of modern speech technologies, and the recognition of emotions in speech (RER) is the most demanded part of them. In this paper, we propose a computer model of emotion recognition based on an ensemble of bidirectional recurrent neural network with LSTM memory cell and deep convolutional neural network ResNet18. In this paper, computer studies of the RAVDESS database containing emotional speech of a person are carried out. RAVDESS-a data set containing 7356 files. Entries contain the following emotions: 0 – neutral, 1 – calm, 2 – happiness, 3 – sadness, 4 – anger, 5 – fear, 6 – disgust, 7 – surprise. In total, the database contains 16 classes (8 emotions divided into male and female) for a total of 1440 samples (speech only). To train machine learning algorithms and deep neural networks to recognize emotions, existing audio recordings must be pre-processed in such a way as to extract the main characteristic features of certain emotions. This was done using Mel-frequency cepstral coefficients, chroma coefficients, as well as the characteristics of the frequency spectrum of audio recordings. In this paper, computer studies of various models of neural networks for emotion recognition are carried out on the example of the data described above. In addition, machine learning algorithms were used for comparative analysis. Thus, the following models were trained during the experiments: logistic regression (LR), classifier based on the support vector machine (SVM), decision tree (DT), random forest (RF), gradient boosting over trees – XGBoost, convolutional neural network CNN, recurrent neural network RNN (ResNet18), as well as an ensemble of convolutional and recurrent networks Stacked CNN-RNN. The results show that neural networks showed much higher accuracy in recognizing and classifying emotions than the machine learning algorithms used. Of the three neural network models presented, the CNN + BLSTM ensemble showed higher accuracy.

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.

Introduction and Implementation of Machine Learning Algorithms in R

2019 ◽  
pp. 126-147
Author(s):  
S. R. Mani Sekhar ◽  
G. M. Siddesh
Keyword(s):  
Machine Learning ◽  
Neural Networks ◽  
Support Vector Machine ◽  
Discriminant Analysis ◽  
Computer Science ◽  
Learning Algorithms ◽  
Machine Learning Algorithms ◽  
Support Vector ◽  
Linear Discriminant ◽  
The Given

Machine learning is one of the important areas in the field of computer science. It helps to provide an optimized solution for the real-world problems by using past knowledge or previous experience data. There are different types of machine learning algorithms present in computer science. This chapter provides the overview of some selected machine learning algorithms such as linear regression, linear discriminant analysis, support vector machine, naive Bayes classifier, neural networks, and decision trees. Each of these methods is illustrated in detail with an example and R code, which in turn assists the reader to generate their own solutions for the given problems.

scholarly journals Detecting Emotions in English and Arabic Tweets

Information ◽  
2019 ◽  
Vol 10 (3) ◽  
pp. 98 ◽  
Author(s):  
Tariq Ahmad ◽  
Allan Ramsay ◽  
Hanady Ahmed
Keyword(s):  
Machine Learning ◽  
Neural Networks ◽  
Deep Neural Networks ◽  
State Of The Art ◽  
Learning Algorithms ◽  
General Purpose ◽  
Machine Learning Algorithms ◽  
Current State ◽  
Optimal Thresholds ◽  
Alternative Approach

Assigning sentiment labels to documents is, at first sight, a standard multi-label classification task. Many approaches have been used for this task, but the current state-of-the-art solutions use deep neural networks (DNNs). As such, it seems likely that standard machine learning algorithms, such as these, will provide an effective approach. We describe an alternative approach, involving the use of probabilities to construct a weighted lexicon of sentiment terms, then modifying the lexicon and calculating optimal thresholds for each class. We show that this approach outperforms the use of DNNs and other standard algorithms. We believe that DNNs are not a universal panacea and that paying attention to the nature of the data that you are trying to learn from can be more important than trying out ever more powerful general purpose machine learning algorithms.

scholarly journals An empirical comparison of neural networks and machine learning algorithms for EEG gait decoding

2020 ◽  
Vol 10 (1) ◽  
Author(s):  
Sho Nakagome ◽  
Trieu Phat Luu ◽  
Yongtian He ◽  
Akshay Sujatha Ravindran ◽  
Jose L. Contreras-Vidal
Keyword(s):  
Machine Learning ◽  
Neural Networks ◽  
Learning Algorithms ◽  
Machine Learning Algorithms ◽  
Empirical Comparison
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