Rich Data Co., Ltd. A leading Australian company in the market for credit risk artificial intelligence (AI) (RDC), the article “Credit Risk Using Transfer Learning and Domain Adaptation” was published in the international peer-reviewed journal Frontiers in Artificial Intelligence. Announced the release of “Modeling”. ..
This article represents a 12-month study conducted in collaboration with the School of Computer Science and Engineering at the University of New South Wales (UNSW) and shows how transfer learning can be used to predict a company’s credit risk probability. increase. Limited or non-existent credit history.
Limited data in the area of credit risk assessment can adversely affect SMEs. According to an RDC study, credit risk in small business lending domains is applied to training models using data from other relevant credit risk domains, such as cards and personal loans, using a new concept called progressive shift contribution. Can be predicted.
Focusing on the actual application, RDC The study also addressed the accountability of the transfer learning model and tested a domain adaptive approach to improve the accuracy of the model. Further research explores ways to automate transfer learning, thereby maximizing the opportunity for people who are normally removed from the credit life cycle to access credit.
Ada Guan, CEO and co-founder of RDC, commented:
“Responsible application of artificial intelligence provides fair, comprehensive and sustainable access to credit, especially for new sectors and SMEs whose outcomes are more difficult to predict due to lack of data and high risk. Techniques such as transfer learning can bring significant benefits to financial services by learning from one application, such as personal lending, and applying it to another.
“Thanks to colleagues and key contributors to this paper at RDC and UNSW, including Hendra Suryanto, Ashesh Mahidadia, Michael Bain, and Charles Guan.”
RDC’s commitment to rigorous industry research and innovation is central to RDC’s success. Through its research, RDC has developed mechanisms to redefine the way credit is delivered, solve industry problems in innovative ways, and introduce new ideas to the arena.
RDC’s innovative research on transfer learning published in Frontier in Artificial Intelligence shows real-world applications.
Source link RDC’s innovative research on transfer learning published in Frontier in Artificial Intelligence shows real-world applications.