Combining weighted SMOTE with ensemble learning for the class-imbalanced prediction of small business credit risk

In small business credit risk assessment, the default and nondefault classes are highly imbalanced. To overcome this problem, this study proposes an extended ensemble approach rooted in the weighted synthetic minority oversampling technique (WSMOTE), which is called WSMOTE-ensemble. The proposed ensemble classifier hybridizes WSMOTE and Bagging with sampling composite mixtures to guarantee the robustness and variability of the generated synthetic instances and, thus, minimize the small business class-skewed constraints linked to default and nondefault instances. The original small business dataset used in this study was taken from 3111 records from a Chinese commercial bank. By implementing a thorough experimental study of extensively skewed data-modeling scenarios, a multilevel experimental setting was established for a rare event domain. Based on the proper evaluation measures, this study proposes that the random forest classifier used in the WSMOTE-ensemble model provides a good trade-off between the performance on default class and that of nondefault class. The ensemble solution improved the accuracy of the minority class by 15.16% in comparison with its competitors. This study also shows that sampling methods outperform nonsampling algorithms. With these contributions, this study fills a noteworthy knowledge gap and adds several unique insights regarding the prediction of small business credit risk.

A Novel LSB Matching Algorithm Based on Information Pre-Processing

This paper analyzes random bits and scanned documents, two forms of secret data. The secret data were pre-processed by halftone, quadtree, and S-Box transformations, and the size of the scanned document was reduced by 8.11 times. A novel LSB matching algorithm with low distortion was proposed for the embedding step. The golden ratio was firstly applied to find the optimal embedding position and was used to design the matching function. Both theory and experiment have demonstrated that our study presented a good trade-off between high capacity and low distortion and is superior to other related schemes.

Anchor Density Minimization for Localization in Wireless Sensor Network (WSN)

In wireless sensor networks (WSN) high-accuracy localization is crucial for both of WNS management and many other numerous location-based applications. Only a subset of nodes in a WSN is deployed as anchor nodes with their locations a priori known to localize unknown sensor nodes. The accuracy of the estimated position depends on the number of anchor nodes. Obviously, increasing the number or ratio of anchors will undoubtedly increase the localization accuracy. However, it severely constrains the flexibility of WSN deployment while impacting costs and energy. This paper aims to drastically reduce anchor number or ratio of anchor in WSN deployment and ensures a good trade-off for localization accuracy. Hence, this work presents an approach to decrease the number of anchor nodes without compromising localization accuracy. Assuming a random string WSN topology, the results in terms of anchor rates and localization accuracy are presented and show significant reduction in anchor deployment rates from 32% to 2%.

A Low Power 1024-Channels Spike Detector Using Latch-Based RAM for Real-Time Brain Silicon Interfaces

High-density microelectrode arrays allow the neuroscientist to study a wider neurons population, however, this causes an increase of communication bandwidth. Given the limited resources available for an implantable silicon interface, an on-fly data reduction is mandatory to stay within the power/area constraints. This can be accomplished by implementing a spike detector aiming at sending only the useful information about spikes. We show that the novel non-linear energy operator called ASO in combination with a simple but robust noise estimate, achieves a good trade-off between performance and consumption. The features of the investigated technique make it a good candidate for implantable BMIs. Our proposal is tested both on synthetic and real datasets providing a good sensibility at low SNR. We also provide a 1024-channels VLSI implementation using a Random-Access Memory composed by latches to reduce as much as possible the power consumptions. The final architecture occupies an area of 2.3 mm2, dissipating 3.6 µW per channels. The comparison with the state of art shows that our proposal finds a place among other methods presented in literature, certifying its suitability for BMIs.

An investigation into the deep learning approach in sentimental analysis using graph-based theories

Sentiment analysis is a branch of natural language analytics that aims to correlate what is expressed which comes normally within unstructured format with what is believed and learnt. Several attempts have tried to address this gap (i.e., Naive Bayes, RNN, LSTM, word embedding, etc.), even though the deep learning models achieved high performance, their generative process remains a “black-box” and not fully disclosed due to the high dimensional feature and the non-deterministic weights assignment. Meanwhile, graphs are becoming more popular when modeling complex systems while being traceable and understood. Here, we reveal that a good trade-off transparency and efficiency could be achieved with a Deep Neural Network by exploring the Credit Assignment Paths theory. To this end, we propose a novel algorithm which alleviates the features’ extraction mechanism and attributes an importance level of selected neurons by applying a deterministic edge/node embeddings with attention scores on the input unit and backward path respectively. We experiment on the Twitter Health News dataset were the model has been extended to approach different approximations (tweet/aspect and tweets’ source levels, frequency, polarity/subjectivity), it was also transparent and traceable. Moreover, results of comparing with four recent models on same data corpus for tweets analysis showed a rapid convergence with an overall accuracy of ≈83% and 94% of correctly identified true positive sentiments. Therefore, weights can be ideally assigned to specific active features by following the proposed method. As opposite to other compared works, the inferred features are conditioned through the users’ preferences (i.e., frequency degree) and via the activation’s derivatives (i.e., reject feature if not scored). Future direction will address the inductive aspect of graph embeddings to include dynamic graph structures and expand the model resiliency by considering other datasets like SemEval task7, covid-19 tweets, etc.

Robotic Coverage Path Planning for Ultrasonic Inspection

Automatic robotic inspection of arbitrary free-form shapes is relevant for many quality control applications in different industries. We propose a method for planning the motion of an industrial robot to perform ultrasonic inspection of varying 3D shapes. Our method starts with the calculation of a set of sub-paths. These sub-paths are derived from streamlines. The underlying vector field is deduced from local curvature of the inspected geometry. Intermediate robot motions are planned to connect individual sub-paths to obtain a single complete inspection path. Coverage is calculated via ray tracing to simulate the propagation of ultrasound signals. This simulation enables the algorithm to proceed adaptively and to find a good trade-off between path length and coverage. We report experiments for four different geometries. The results indicate that shorter paths are achieved by using ray tracing for adaptive adjustment of streamline density. Our algorithm is tailored to ultrasonic inspection. However, the main concept of exploiting local surface curvature and streamlines for coverage path planning generalizes to other robotic inspection problems.

Investment Behavior and Trade Returns of Individual Investor: Mediating Role if Financial Literacy

The main objective of current study was to analyze the impact of representativeness and anchoring on the trade returns of individual investors with the mediating role of financial literacy. In this connection hypotheses were developed on the basis of behavioral finance literature. The data was collected on 5-point likert scale questionnaires which were adopted from various authors. The collected data was checked for reliability and correlation analysis and regression models were run. On the basis of results obtained from analysis the four hypotheses which were developed have been accepted. It was concluded that representativeness and anchoring has significant positive impact while the financial literacy has mediating impact on the trade returns of investors. It is recommended that more the financial literacy less risk of behavioral biases impact on investment thus investors should gain financial literacy for taking rational investment decision and good trade returns.

Comercio y medioambiente: no hacer daño, hacer el bien, ser bueno

Trade is an engine of economic growth, employment and business innovation. It can be a powerful lever to promote sustainable development, for the benefit of both women and men, in harmony with nature and the environment. All actors that are directly or indirectly involved in international trade have the responsibility to guarantee a “good trade”. This article clarifies the relationship between trade and the environment along global supply chains as key elements for sustainable development. Drawing on personal experience, we address several global topics and highlight some very promising initiatives coming from the business world.

A Two-Stage Registration Method for Dental Volumetric Data and Mesh Data

Dental computed tomography (CT) images and optical surface scan data are widely used in dental computer-aided design systems. Registration is essential if they are used in software systems. Existing automatic registration methods are either time-consuming or rough, and interactive registration methods are experience-dependent and tedious because of a great deal of purely manual interactions. For overcoming these disadvantages, a two-stage registration method is proposed. In the rough registration stage, the rough translation and rotation matrices are obtained by applying unit quaternion based method on the points interactively selected from the two types of data. In the precise registration stage, the stridden sampling is used to reduce computational complexity and the proposed registration algorithm with scale transformation is used for precise registration. The proposed method offers a good trade-off between precision and time cost. The experimental results demonstrate that the proposed method provides faster convergence and smaller registration errors than existing methods.

The Role of Tapered Light-Diffusing Fibers in Plasmonic Sensor Configurations

In this work, we experimentally analyzed the effect of tapering in light-diffusing optical fibers (LDFs) when employed as surface plasmon resonance (SPR)-based sensors. Although tapering is commonly adopted to enhance the performance of plasmonic optical fiber sensors, we have demonstrated that in the case of plasmonic sensors based on LDFs, the tapering produces a significant worsening of the bulk sensitivity (roughly 60% in the worst case), against a slight decrease in the full width at half maximum (FWHM) of the SPR spectra. Furthermore, we have demonstrated that these aspects become more pronounced when the taper ratio increases. Secondly, we have established that a possible alternative exists in using the tapered LDF as a modal filter after the sensible region. In such a case, we have determined that a good trade-off between the loss in sensitivity and the FWHM decrease could be reached.