3 accepted papers
In retail lending, offering preferential interest rates is a core marketing instrument for balancing customer acquisition with portfolio profitability. Accurately predicting the effect of interest-rate discounts for each customer is pivotal for optimizing the discount strategy: offering overly gener
In the field of finance, the underwriting process is an essential step in evaluating every loan application. During this stage, the borrowers' creditworthiness and ability to repay the loan are assessed to ultimately decide whether to approve the loan application. One of the core components of under…
Federated learning (FL) allows edge devices to collectively learn a model without directly sharing data within each device, thus preserving privacy and eliminating the need to store data globally. While there are promising results under the assumption of independent and identically distributed (iid)…