P2p Loan Acceptance And Default Prediction With Artificial Intelligence
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P2p Loan Acceptance And Default Prediction With Artificial Intelligence
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Author : Jeremy Turiel
language : en
Publisher:
Release Date : 2019
P2p Loan Acceptance And Default Prediction With Artificial Intelligence written by Jeremy Turiel and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
Logistic Regression and Support Vector Machine algorithms, together with Linear and Non-Linear Deep Neural Networks, are applied to lending data in order to replicate lender acceptance of loans and predict the likelihood of default of issued loans. A two phase model is proposed; the first phase predicts loan rejection, while the second one predicts default risk for approved loans. Logistic Regression was found to be the best performer for the first phase, with test set recall macro score of 77.4%. Deep Neural Networks were applied to the second phase only, were they achieved best performance, with validation set recall score of 72%, for defaults. This shows that AI can improve current credit risk models reducing the default risk of issued loans by as much as 70%. The models were also applied to loans taken for small businesses alone. The first phase of the model performs significantly better when trained on the whole dataset. Instead, the second phase performs significantly better when trained on the small business subset. This suggests a potential discrepancy between how these loans are screened and how they should be analysed in terms of default prediction.
The 2021 International Conference On Machine Learning And Big Data Analytics For Iot Security And Privacy
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Author : John Macintyre
language : en
Publisher: Springer Nature
Release Date : 2021-10-27
The 2021 International Conference On Machine Learning And Big Data Analytics For Iot Security And Privacy written by John Macintyre and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-10-27 with Computers categories.
This book presents the proceedings of the 2020 2nd International Conference on Machine Learning and Big Data Analytics for IoT Security and Privacy (SPIoT-2021), online conference, on 30 October 2021. It provides comprehensive coverage of the latest advances and trends in information technology, science and engineering, addressing a number of broad themes, including novel machine learning and big data analytics methods for IoT security, data mining and statistical modelling for the secure IoT and machine learning-based security detecting protocols, which inspire the development of IoT security and privacy technologies. The contributions cover a wide range of topics: analytics and machine learning applications to IoT security; data-based metrics and risk assessment approaches for IoT; data confidentiality and privacy in IoT; and authentication and access control for data usage in IoT. Outlining promising future research directions, the book is a valuable resource for students, researchers and professionals and provides a useful reference guide for newcomers to the IoT security and privacy field.
Artificial Intelligence For Risk Mitigation In The Financial Industry
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Author : Ambrish Kumar Mishra
language : en
Publisher: John Wiley & Sons
Release Date : 2024-07-03
Artificial Intelligence For Risk Mitigation In The Financial Industry written by Ambrish Kumar Mishra and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-07-03 with Computers categories.
Artificial Intelligence for Risk Mitigation in the Financial Industry This book extensively explores the implementation of AI in the risk mitigation process and provides information for auditing, banking, and financial sectors on how to reduce risk and enhance effective reliability. The applications of the financial industry incorporate vast volumes of structured and unstructured data to gain insight into the financial and non-financial performance of companies. As a result of exponentially increasing data, auditors and management professionals need to enhance processing capabilities while maintaining the effectiveness and reliability of the risk mitigation process. The risk mitigation and audit procedures are processes involving the progression of activities to “transform inputs into output.” As AI systems continue to grow mainstream, it is difficult to imagine an aspect of risk mitigation in the financial industry that will not require AI-related assurance or AI-assisted advisory services. AI can be used as a strong tool in many ways, like the prevention of fraud, money laundering, and cybercrime, detection of risks and probability of NPAs at early stages, sound lending, etc. Audience This is an introductory book that provides insights into the advantages of risk mitigation by the adoption of AI in the financial industry. The subject is not only restricted to individuals like researchers, auditors, and management professionals, but also includes decision-making authorities like the government. This book is a valuable guide to the utilization of AI for risk mitigation and will serve as an important standalone reference for years to come.
Decentralized Finance And Tokenization In Fintech
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Author : Vardari, Luan
language : en
Publisher: IGI Global
Release Date : 2024-06-17
Decentralized Finance And Tokenization In Fintech written by Vardari, Luan and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-06-17 with Business & Economics categories.
In the sector of modern finance, a new issue emerges the fragility of traditional financial systems in the face of technological evolution. The march of time has brought forth formidable challenges, shaking the foundations of age-old norms. This evolving financial paradigm grapples with challenges such as trust issues, geographical limitations, and exclusivity. In response to these challenges, Decentralized Finance and Tokenization in FinTech offers profound insights and solutions to navigate the complexities of this era. This book delves into the disruptive forces of Decentralized Finance (DeFi) and the revolutionary nature of Tokenization, ultimately paving the way toward a decentralized future. This comprehensive resource seeks to contribute significantly to current research and understanding in the realms of DeFi and Tokenization. It serves as an educational cornerstone, providing in-depth insights into fundamental concepts, technologies, and applications for both newcomers and seasoned professionals. By demystifying technical complexities, addressing challenges, and analyzing comparative advantages, the book empowers readers to navigate the evolving landscape. From decentralized governance models to global perspectives on DeFi, it fosters thought leadership and inspires discussions on the societal, economic, and technological impacts of decentralized finance and tokenization.
Hhai 2023 Augmenting Human Intellect
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Author : P. Lukowicz
language : en
Publisher: IOS Press
Release Date : 2023-07-07
Hhai 2023 Augmenting Human Intellect written by P. Lukowicz and has been published by IOS Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-07-07 with Computers categories.
Artificial intelligence (AI) has been much in the news recently, with some commentators expressing concern that AI might eventually replace humans. But many developments in AI are designed to enhance and supplement the performance of humans rather than replace them, and a novel field of study, with new approaches and solutions to the development of AI, has arisen to focus on this aspect of the technology. This book presents the proceedings of HHAI2023, the 2nd International Conference on Hybrid Human-Artificial Intelligence, held from 26-30 June 2023, in Munich, Germany. The HHAI international conference series is focused on the study of artificially intelligent systems that cooperate synergistically, proactively, responsibly and purposefully with humans, amplifying rather than replacing human intelligence, and invites contributions from various fields, including AI, human-computer interaction, the cognitive and social sciences, computer science, philosophy, among others. A total of 78 submissions were received for the main conference track, and most papers were reviewed by at least three reviewers. The overall final acceptance rate was 43%, with 14 contributions accepted as full papers, 14 as working papers, and 6 as extended abstracts. The papers presented here cover topics including interactive hybrid agents; hybrid intelligence for decision support; hybrid intelligence for health; and values such as fairness and trust in hybrid intelligence. We further accepted 17 posters and 4 demos as well as 8 students to the first HHAI doctoral consortium this year. The authors of 4 working papers and 2 doctoral consortium submissions opted for not publishing their submissions to allow a later full submission, resulting in a total of 57 papers included in this proceedings Addressing all aspects of AI systems that assist humans and emphasizing the need for adaptive, collaborative, responsible, interactive, and human-centered artificial intelligence systems which can leverage human strengths and compensate for human weaknesses while considering social, ethical, and legal considerations, the book will be of interest to all those working in the field.
Transforming Banking Infrastructure Services With Artificial Intelligence Machine Learning And Agentic Ai Modernizing Financial Systems In The Age Of Automation
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Author : Bharath Somu
language : en
Publisher: Global Pen Press UK PUBLICATION
Release Date :
Transforming Banking Infrastructure Services With Artificial Intelligence Machine Learning And Agentic Ai Modernizing Financial Systems In The Age Of Automation written by Bharath Somu and has been published by Global Pen Press UK PUBLICATION this book supported file pdf, txt, epub, kindle and other format this book has been release on with Business & Economics categories.
Advances In Artificial Intelligence And Security
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Author : Xingming Sun
language : en
Publisher: Springer Nature
Release Date : 2021-06-29
Advances In Artificial Intelligence And Security written by Xingming Sun and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-06-29 with Computers categories.
The 3-volume set CCIS 1422, CCIS 1423 and CCIS 1424 constitutes the refereed proceedings of the 7th International Conference on Artificial Intelligence and Security, ICAIS 2021, which was held in Dublin, Ireland, in July 2021. The total of 131 full papers and 52 short papers presented in this 3-volume proceedings was carefully reviewed and selected from 1013 submissions. The papers were organized in topical sections as follows: Part I: artificial intelligence; Part II: artificial intelligence; big data; cloud computing and security internet; Part III: cloud computing and security; encryption and cybersecurity; information hiding; IoT security.
Recent Trends And Advances In Artificial Intelligence
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Author : Fausto P. Garcia
language : en
Publisher: Springer Nature
Release Date : 2024-11-21
Recent Trends And Advances In Artificial Intelligence written by Fausto P. Garcia and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-11-21 with Computers categories.
This book presents a curated selection of papers from the International Conference on Advanced Engineering, Technology, and Applications (ICAETA24), hosted by the University of Catania, Italy, in March 2024. The conference is co-organized by Istinye University, Turkey. The book delves into the forefront of technological advancements, spotlighting the latest trends and applications of artificial intelligence across diverse domains and addressing real-world challenges with transformative solutions. Readers will gain insights into state-of-the-art models and methodologies, particularly focusing on their applications on benchmark datasets. The discussions and presentations within this volume are organized around four pivotal tracks: Artificial Intelligence and Machine Learning, Big Data and Cloud Computing, Internet of Things and Sensor Technology, and Applications of Artificial Intelligence. Each track offers a deep dive into its respective domain, exploring the profound impact of technological innovations on various industries and sectors.
Artificial Intelligence And Sustainable Computing For Smart City
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Author : Arun Solanki
language : en
Publisher: Springer Nature
Release Date : 2021-07-28
Artificial Intelligence And Sustainable Computing For Smart City written by Arun Solanki and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-07-28 with Computers categories.
This book constitutes selected and revised papers of the First International Conference on Artificial Intelligence and Sustainable Computing for Smart City, AIS2C2 2021, held in Greater Noida, India, in March 2021. Due to the COVID-19 pandemic the conference was held online. The 17 full papers and 3 short papers included were thoroughly reviewed and selected from 204 submissions. They are organized in the following topical sections: sentimental and emotions analysis for smart cities; smart specialization strategies for smart cities; security in smart cities; advances applications for future smart cities; healthcare in smart cities; machine learning applications in smart cities.
Artificial Intelligence And Soft Computing
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Author : Leszek Rutkowski
language : en
Publisher: Springer
Release Date : 2017-06-01
Artificial Intelligence And Soft Computing written by Leszek Rutkowski and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-06-01 with Computers categories.
The two-volume set LNAI 10245 and LNAI 10246 constitutes the refereed proceedings of the 16th International Conference on Artificial Intelligence and Soft Computing, ICAISC 2017, held in Zakopane, Poland in June 2017. The 133 revised full papers presented were carefully reviewed and selected from 274 submissions. The papers included in the second volume are organized in the following five parts: data mining; artificial intelligence in modeling, simulation and control; various problems of artificial intelligence; special session: advances in single-objective continuous parameter optimization with nature-inspired algorithms; special session: stream data mining.