Download or read book Business Analytics and Business Intelligence Machine Learning Model to Predict Bank Loan Defaults written by dr. V.V.L.N. Sastry and published by Idea Publishing. This book was released on 2020-05-29 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Predictive Analytics offers a unique opportunity to identify future trends and allows organizations to act upon them. In this book we are dealing with ‘loan default’ which is always a threat to banks and financial institutions and should be predicted in advance based on various features of the borrowers or applicants. In this book we aim at applying machine learning models to classify the borrowers with and without loan default from a group of predicting variables and evaluate their performance. As a part of building a model to predict loan default, we have submitted in detail the introduction of the problem, exploratory data analysis (EDA), data cleaning and pre-processing, model building, interpretation, model tuning, model validation, and final interpretation & recommendations. Under the current project of loan default forming part of predictive analytics of business analytics and intelligence, we have studied research-based review parameters in detail which have also been annexed for ready reference as Annexure I. Data dictionary has been annexed as Annexure-2. R. Code for the same is provided at the URL which can be downloaded from www.drvvlnsastry.com/businessanalytics/data The study finds out that logistic regression is the best model to classify those applicants with loan default.

Download or read book Powering the Digital Economy Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Download or read book Virtual Technologies and E Collaboration for the Future of Global Business written by Zhao, Jingyuan and published by IGI Global. This book was released on 2022-06-17 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Effective collaboration technologies and tools are critical to the development of contemporary business landscapes, especially as more businesses offer fully remote or hybrid work options. Effective communication is key to increasing work productivity and absolutely essential for project managers and teams working to achieve their end goals. Individuals and businesses can benefit from research on the design, execution, and assessment of collaboration applications as they strive for effective tools to increase virtual forms of communication. It is essential that businesses remain up to date with and incorporate these emerging virtual technologies and e-collaboration into their practices. Virtual Technologies and E-Collaboration for the Future of Global Business examines the most recent findings in knowledge-intensive, collaborative environments with a focus on methodologies and strategies for increasing online collaboration. It discusses the emerging technologies and tools for collaboration in virtual environments and includes findings in automation, computing, and intelligent information systems, as well as state-of-the-art solutions covering various issues and challenges. Covering topics such as capacity building, groupware systems, and knowledge management, this premier reference source is an essential resource for business leaders and managers, entrepreneurs, board directors, faculty and students of higher education, technology directors and managers, IT professionals, researchers, and academicians.

Download or read book Hands On Artificial Intelligence for Banking written by Jeffrey Ng and published by Packt Publishing Ltd. This book was released on 2020-07-10 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Delve into the world of real-world financial applications using deep learning, artificial intelligence, and production-grade data feeds and technology with Python Key FeaturesUnderstand how to obtain financial data via Quandl or internal systemsAutomate commercial banking using artificial intelligence and Python programsImplement various artificial intelligence models to make personal banking easyBook Description Remodeling your outlook on banking begins with keeping up to date with the latest and most effective approaches, such as artificial intelligence (AI). Hands-On Artificial Intelligence for Banking is a practical guide that will help you advance in your career in the banking domain. The book will demonstrate AI implementation to make your banking services smoother, more cost-efficient, and accessible to clients, focusing on both the client- and server-side uses of AI. You’ll begin by understanding the importance of artificial intelligence, while also gaining insights into the recent AI revolution in the banking industry. Next, you’ll get hands-on machine learning experience, exploring how to use time series analysis and reinforcement learning to automate client procurements and banking and finance decisions. After this, you’ll progress to learning about mechanizing capital market decisions, using automated portfolio management systems and predicting the future of investment banking. In addition to this, you’ll explore concepts such as building personal wealth advisors and mass customization of client lifetime wealth. Finally, you’ll get to grips with some real-world AI considerations in the field of banking. By the end of this book, you’ll be equipped with the skills you need to navigate the finance domain by leveraging the power of AI. What you will learnAutomate commercial bank pricing with reinforcement learningPerform technical analysis using convolutional layers in KerasUse natural language processing (NLP) for predicting market responses and visualizing them using graph databasesDeploy a robot advisor to manage your personal finances via Open Bank APISense market needs using sentiment analysis for algorithmic marketingExplore AI adoption in banking using practical examplesUnderstand how to obtain financial data from commercial, open, and internal sourcesWho this book is for This is one of the most useful artificial intelligence books for machine learning engineers, data engineers, and data scientists working in the finance industry who are looking to implement AI in their business applications. The book will also help entrepreneurs, venture capitalists, investment bankers, and wealth managers who want to understand the importance of AI in finance and banking and how it can help them solve different problems related to these domains. Prior experience in the financial markets or banking domain, and working knowledge of the Python programming language are a must.

Download or read book Practical Software Architecture written by Tilak Mitra and published by IBM Press. This book was released on 2015-11-18 with total page 511 pages. Available in PDF, EPUB and Kindle. Book excerpt: Getting Architecture Just Right: Detailed Practical Guidance for Architecting Any Real-World IT Project To build effective architectures, software architects must tread a fine line between precision and ambiguity (a.k.abig animal pictures). This is difficult but crucial: Failure to achieve this balance often leads directly to poor systems design and implementation. Now, pioneering IBM Distinguished Engineer and Chief Technology Officer Tilak Mitra offers the first complete guide to developing end-to-end solution architectures that are “just enough”--identifying and capturing the most important artifacts, without over-engineering or excessive documentation, and providing a practical approach to consistent and repeated success in defining software architectures. Practical Software Architecture provides detailed prescriptive and pragmatic guidance for architecting any real-world IT project, regardless of system, methodology, or environment. Mitra specifically identifies the artifacts that require emphasis and shows how to communicate evolving solutions with stakeholders, bridging the gap between architecture and implementation.

Download or read book Artificial Intelligence for Data Science in Theory and Practice written by Mohamed Alloghani and published by Springer Nature. This book was released on 2022-04-05 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides valuable information on effective, state-of-the-art techniques and approaches for governments, students, researchers, practitioners, entrepreneurs and teachers in the field of artificial intelligence (AI). The book explains the data and AI, types and properties of data, the relation between AI algorithms and data, what makes data AI ready, steps of data pre-processing, data quality, data storage and data platforms. Therefore, this book will be interested by AI practitioners, academics, researchers, and lecturers in computer science, artificial intelligence, machine learning and data sciences.

Download or read book Artificial Intelligence in Banking written by Introbooks and published by . This book was released on 2020-04-07 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt: In these highly competitive times and with so many technological advancements, it is impossible for any industry to remain isolated and untouched by innovations. In this era of digital economy, the banking sector cannot exist and operate without the various digital tools offered by the ever new innovations happening in the field of Artificial Intelligence (AI) and its sub-set technologies. New technologies have enabled incredible progression in the finance industry. Artificial Intelligence (AI) and Machine Learning (ML) have provided the investors and customers with more innovative tools, new types of financial products and a new potential for growth.According to Cathy Bessant (the Chief Operations and Technology Officer, Bank of America), AI is not just a technology discussion. It is also a discussion about data and how it is used and protected. She says, "In a world focused on using AI in new ways, we're focused on using it wisely and responsibly."

Download or read book Artificial Intelligence and Soft Computing written by Leszek Rutkowski and published by Springer. This book was released on 2017-06-01 with total page 758 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Bio Inspired Credit Risk Analysis written by Lean Yu and published by Springer Science & Business Media. This book was released on 2008-04-24 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit risk analysis is one of the most important topics in the field of financial risk management. Due to recent financial crises and regulatory concern of Basel II, credit risk analysis has been the major focus of financial and banking industry. Especially for some credit-granting institutions such as commercial banks and credit companies, the ability to discriminate good customers from bad ones is crucial. The need for reliable quantitative models that predict defaults accurately is imperative so that the interested parties can take either preventive or corrective action. Hence credit risk analysis becomes very important for sustainability and profit of enterprises. In such backgrounds, this book tries to integrate recent emerging support vector machines and other computational intelligence techniques that replicate the principles of bio-inspired information processing to create some innovative methodologies for credit risk analysis and to provide decision support information for interested parties.

Download or read book ARTIFICIAL INTELLIGENCE written by PARAG KULKARNI and published by PHI Learning Pvt. Ltd.. This book was released on 2015-02-26 with total page 529 pages. Available in PDF, EPUB and Kindle. Book excerpt: There has been a movement over the years to make machines intelligent. With the advent of modern technology, AI has become the core part of day-to-day life. But it is accentuated to have a book that keeps abreast of all the state-of-the-art concepts (pertaining to AI) in simplified, explicit and elegant way, expounding on ample examples so that the beginners are able to comprehend the subject with ease. The book on Artificial Intelligence, dexterously divided into 21 chapters, fully satisfies all these pressing needs. It is intended to put each and every concept related to intelligent system in front of the readers in the most simplified way so that while understanding the basic concepts, they will develop thought process that can contribute to the building of advanced intelligent systems. Various cardinal landmarks pertaining to the subject such as problem solving, search techniques, intelligent agents, constraint satisfaction problems, knowledge representation, planning, machine learning, natural language processing, pattern recognition, game playing, hybrid and fuzzy systems, neural network-based learning and future work and trends in AI are now under the single umbrella of this book, thereby showing a nice blend of theoretical and practical aspects. With all the latest information incorporated and several pedagogical attributes included, this textbook is an invaluable learning tool for the undergraduate and postgraduate students of computer science and engineering, and information technology. KEY FEATURES • Highlights a clear and concise presentation through adequate study material • Follows a systematic approach to explicate fundamentals as well as recent advances in the area • Presents ample relevant problems in the form of multiple choice questions, concept review questions, critical thinking exercise and project work • Incorporates various case studies for major topics as well as numerous industrial examples

Download or read book Proceedings of the Future Technologies Conference FTC 2022 Volume 1 written by Kohei Arai and published by Springer Nature. This book was released on 2022-10-12 with total page 948 pages. Available in PDF, EPUB and Kindle. Book excerpt: The seventh Future Technologies Conference 2022 was organized in a hybrid mode. It received a total of 511 submissions from learned scholars, academicians, engineers, scientists and students across many countries. The papers included the wide arena of studies like Computing, Artificial Intelligence, Machine Vision, Ambient Intelligence and Security and their jaw- breaking application to the real world. After a double-blind peer review process 177 submissions have been selected to be included in these proceedings. One of the prominent contributions of this conference is the confluence of distinguished researchers who not only enthralled us by their priceless studies but also paved way for future area of research. The papers provide amicable solutions to many vexing problems across diverse fields. They also are a window to the future world which is completely governed by technology and its multiple applications. We hope that the readers find this volume interesting and inspiring and render their enthusiastic support towards it.

Download or read book Machine Intelligence and Data Science Applications written by Amar Ramdane-Cherif and published by Springer Nature. This book was released on 2023-10-03 with total page 559 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a compilation of peer-reviewed papers presented at the International Conference on Machine Intelligence and Data Science Applications (MIDAS 2022), held on October 28 and 29, 2022, at the University of Versailles—Paris-Saclay, France. The book covers applications in various fields like data science, machine intelligence, image processing, natural language processing, computer vision, sentiment analysis, and speech and gesture analysis. It also includes interdisciplinary applications like legal, healthcare, smart society, cyber-physical system, and smart agriculture. The book is a good reference for computer science engineers, lecturers/researchers in the machine intelligence discipline, and engineering graduates.

Download or read book Predicting Loan Defaults Using Machine Learning Techniques written by Abhishek Bhagat and published by . This book was released on 2018 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today’s world, obtaining loans from financial institutions has become a very common phenomenon. Every day people apply for loans, for a variety of purposes. But not all the applicants are reliable, and not everyone can be approved. Every year, there are cases where people do not repay the bulk of the loan amount to the bank which results in huge financial loss. The risk associated with making a decision on a loan approval is immense. Hence, the idea of the project is to gather loan data from the lending club website and use machine learning techniques on this data to extract important information and predict if a customer would be able to repay the loan or not. In other words, the goal is to predict if the customer would be a defaulter or not.

Download or read book Handbook of Research on Organizational Transformations through Big Data Analytics written by Tavana, Madjid and published by IGI Global. This book was released on 2014-11-30 with total page 561 pages. Available in PDF, EPUB and Kindle. Book excerpt: Big data analytics utilizes a wide range of software and analytical tools to provide immediate, relevant information for efficient decision-making. Companies are recognizing the immense potential of BDA, but ensuring the data is appropriate and error-free is the largest hurdle in implementing BDA applications. The Handbook of Research on Organizational Transformations through Big Data Analytics not only catalogues the existing platforms and technologies, it explores new trends within the field of big data analytics (BDA). Containing new and existing research materials and insights on the various approaches to BDA; this publication is intended for researchers, IT professionals, and CIOs interested in the best ways to implement BDA applications and technologies.

Download or read book Credit Risk Analysis Using Machine and Deep Learning Models written by Peter Martey Addo and published by . This book was released on 2018 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the hyper technology associated to Big Data, data availability and computing power, most banks or lending financial institutions are renewing their business models. Credit risk predictions, monitoring, model reliability and effective loan processing are key to decision making and transparency. In this work, we build binary classifiers based on machine and deep learning models on real data in predicting loan default probability. The top 10 important features from these models are selected and then used in the modelling process to test the stability of binary classifiers by comparing performance on separate data. We observe that tree-based models are more stable than models based on multilayer artificial neural networks. This opens several questions relative to the intensive used of deep learning systems in the enterprises.

Download or read book Advances on Intelligent Computing and Data Science written by Faisal Saeed and published by Springer Nature. This book was released on 2023-08-16 with total page 705 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book presents the papers included in the proceedings of the 3rd International Conference of Advanced Computing and Informatics (ICACin’22) that was held in Casablanca, Morocco, on October 15–16, 2022. A total of 98 papers were submitted to the conference, but only 60 papers were accepted and published in this book with an acceptance rate of 61%. The book presents several hot research topics which include artificial intelligence and data science, big data analytics, Internet of Things (IoT) and smart cities, information security, cloud computing and networking, and computational informatics.

Download or read book International Conference on Innovative Computing and Communications written by Aboul Ella Hassanien and published by Springer Nature. This book was released on 2023-07-25 with total page 886 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book includes high-quality research papers presented at the Sixth International Conference on Innovative Computing and Communication (ICICC 2023), which is held at the Shaheed Sukhdev College of Business Studies, University of Delhi, Delhi, India, on February 17–18, 2023. Introducing the innovative works of scientists, professors, research scholars, students and industrial experts in the field of computing and communication, the book promotes the transformation of fundamental research into institutional and industrialized research and the conversion of applied exploration into real-time applications.