Investment mortgage as an innovative banking product in the real estate financing market

Subject. This article discusses the role of investment mortgage in overcoming the crisis of attracting deposits by credit institutions and stimulating the investment activity of households in the real estate financing market. Objectives. The article aims to define particularities of investment mortgage and prospects for its development in the real estate funding market, and ways to improve the quality of mortgage bonds in the investment mortgage segment using artificial intelligence technologies in underwriting. Methods. For the study, I used the systems approach, comparative and logical analyses. Results. The article presents an author-developed definition of the Investment Mortgage category, its basic elements, and it describes the investment mortgage life cycle and risks. It also proposes to supplement the scoring through using the gradient boosting technique when underwriting a credit application for investment mortgage. Conclusions and Relevance. The investment mortgage segment, including mortgage deposit and mortgage loan, has a life cycle and risks that differ from the ones of the mortgage programs implemented in the banking services market. Using the gradient boosting technique can help improve the efficiency of underwriting applications for mortgage lending and investment mortgage. The results of the study can be used by credit organizations when developing a product line of mortgage lending programs in the investment mortgage segment, and digitizing credit underwriting of mortgage borrowers.

A Network Intrusion Detection System Based on Categorical Boosting Technique using NSL-KDD

Massive volumes of network traffic & data are generated by common technology including the Internet of Things, cloud computing & social networking. Intrusion Detection Systems are therefore required to track the network which dynamically analyses incoming traffic. The purpose of the IDS is to carry out attacks inspection or provide security management with desirable help along with intrusion data. To date, several approaches to intrusion detection have been suggested to anticipate network malicious traffic. The NSL-KDD dataset is being applied in the paper to test intrusion detection machine learning algorithms. We research the potential viability of ELM by evaluating the advantages and disadvantages of ELM. In the preceding part on this issue, we noted that ELM does not degrade the generalisation potential in the expectation sense by selecting the activation function correctly. In this paper, we initiate a separate analysis & demonstrate that the randomness of ELM often contributes to some negative effects. For this reason, we have employed a new technique of machine learning for overcoming the problems of ELM by using the Categorical Boosting technique (CATBoost).

A Network Intrusion Detection System Based on Categorical Boosting Technique using NSL-KDD

Massive volumes of network traffic & data are generated by common technology including the Internet of Things, cloud computing & social networking. Intrusion Detection Systems are therefore required to track the network which dynamically analyses incoming traffic. The purpose of the IDS is to carry out attacks inspection or provide security management with desirable help along with intrusion data. To date, several approaches to intrusion detection have been suggested to anticipate network malicious traffic. The NSL-KDD dataset is being applied in the paper to test intrusion detection machine learning algorithms. We research the potential viability of ELM by evaluating the advantages and disadvantages of ELM. In the preceding part on this issue, we noted that ELM does not degrade the generalisation potential in the expectation sense by selecting the activation function correctly. In this paper, we initiate a separate analysis & demonstrate that the randomness of ELM often contributes to some negative effects. For this reason, we have employed a new technique of machine learning for overcoming the problems of ELM by using the Categorical Boosting technique (CATBoost).

Mean Error Rate Weighted Online Boosting Method

Boosting is a generally known technique to convert a group of weak learners into a powerful ensemble. To reach this desired objective successfully, the modules are trained with distinct data samples and the hypotheses are combined in order to achieve an optimal prediction. To make use of boosting technique in online condition is a new approach. It motivates to meet the requirements due to its success in offline conditions. This work presents new online boosting method. We make use of mean error rate of individual base learners to achieve effective weight distribution of the instances to closely match the behavior of OzaBoost. Experimental results show that, in most of the situations, the proposed method achieves better accuracies, outperforming the other state-of-art methods.

Boosting Algorithm Choice in Predictive Machine Learning Models for Fracturing Applications

With the advancement in machine learning (ML) applications, some recent research has been conducted to optimize fracturing treatments. There are a variety of models available using various objective functions for optimization and different mathematical techniques. There is a need to extend the ML techniques to optimize the choice of algorithm. For fracturing treatment design, the literature for comparative algorithm performance is sparse. The research predominantly shows that compared to the most commonly used regressors and classifiers, some sort of boosting technique consistently outperforms on model testing and prediction accuracy. A database was constructed for a heterogeneous reservoir. Four widely used boosting algorithms were used on the database to predict the design only from the output of a short injection/falloff test. Feature importance analysis was done on eight output parameters from the falloff analysis, and six were finalized for the model construction. The outputs selected for prediction were fracturing fluid efficiency, proppant mass, maximum proppant concentration, and injection rate. Extreme gradient boost (XGBoost), categorical boost (CatBoost), adaptive boost (AdaBoost), and light gradient boosting machine (LGBM) were the algorithms finalized for the comparative study. The sensitivity was done for a different number of classes (four, five, and six) to establish a balance between accuracy and prediction granularity. The results showed that the best algorithm choice was between XGBoost and CatBoost for the predicted parameters under certain model construction conditions. The accuracy for all outputs for the holdout sets varied between 80 and 92%, showing robust significance for a wider utilization of these models. Data science has contributed to various oil and gas industry domains and has tremendous applications in the stimulation domain. The research and review conducted in this paper add a valuable resource for the user to build digital databases and use the appropriate algorithm without much trial and error. Implementing this model reduced the complexity of the proppant fracturing treatment redesign process, enhanced operational efficiency, and reduced fracture damage by eliminating minifrac steps with crosslinked gel.

Prediction of Geopolymer Concrete Compressive Strength Using Novel Machine Learning Algorithms

The innovation of geopolymer concrete (GPC) plays a vital role not only in reducing the environmental threat but also as an exceptional material for sustainable development. The application of supervised machine learning (ML) algorithms to forecast the mechanical properties of concrete also has a significant role in developing the innovative environment in the field of civil engineering. This study was based on the use of the artificial neural network (ANN), boosting, and AdaBoost ML approaches, based on the python coding to predict the compressive strength (CS) of high calcium fly-ash-based GPC. The performance comparison of both the employed techniques in terms of prediction reveals that the ensemble ML approaches, AdaBoost, and boosting were more effective than the individual ML technique (ANN). The boosting indicates the highest value of R2 equals 0.96, and AdaBoost gives 0.93, while the ANN model was less accurate, indicating the coefficient of determination value equals 0.87. The lesser values of the errors, MAE, MSE, and RMSE of the boosting technique give 1.69 MPa, 4.16 MPa, and 2.04 MPa, respectively, indicating the high accuracy of the boosting algorithm. However, the statistical check of the errors (MAE, MSE, RMSE) and k-fold cross-validation method confirms the high precision of the boosting technique. In addition, the sensitivity analysis was also introduced to evaluate the contribution level of the input parameters towards the prediction of CS of GPC. The better accuracy can be achieved by incorporating other ensemble ML techniques such as AdaBoost, bagging, and gradient boosting.