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 72 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 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 Google Analytics 4 GA4 Certification written by and published by Cybellium . This book was released on 2024-10-26 with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt: Designed for professionals, students, and enthusiasts alike, our comprehensive books empower you to stay ahead in a rapidly evolving digital world. * Expert Insights: Our books provide deep, actionable insights that bridge the gap between theory and practical application. * Up-to-Date Content: Stay current with the latest advancements, trends, and best practices in IT, Al, Cybersecurity, Business, Economics and Science. Each guide is regularly updated to reflect the newest developments and challenges. * Comprehensive Coverage: Whether you're a beginner or an advanced learner, Cybellium books cover a wide range of topics, from foundational principles to specialized knowledge, tailored to your level of expertise. Become part of a global network of learners and professionals who trust Cybellium to guide their educational journey. www.cybellium.com

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 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 Computing and Machine Learning written by Jagdish Chand Bansal and published by Springer Nature. This book was released on with total page 510 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 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 Disrupting Finance written by Theo Lynn and published by Springer. This book was released on 2018-12-06 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.

Download or read book Fundamentals of Machine Learning for Predictive Data Analytics second edition written by John D. Kelleher and published by MIT Press. This book was released on 2020-10-20 with total page 853 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second edition of a comprehensive introduction to machine learning approaches used in predictive data analytics, covering both theory and practice. Machine learning is often used to build predictive models by extracting patterns from large datasets. These models are used in predictive data analytics applications including price prediction, risk assessment, predicting customer behavior, and document classification. This introductory textbook offers a detailed and focused treatment of the most important machine learning approaches used in predictive data analytics, covering both theoretical concepts and practical applications. Technical and mathematical material is augmented with explanatory worked examples, and case studies illustrate the application of these models in the broader business context. This second edition covers recent developments in machine learning, especially in a new chapter on deep learning, and two new chapters that go beyond predictive analytics to cover unsupervised learning and reinforcement learning.

Download or read book FinTech in Financial Inclusion Machine Learning Applications in Assessing Credit Risk written by Majid Bazarbash and published by International Monetary Fund. This book was released on 2019-05-17 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent advances in digital technology and big data have allowed FinTech (financial technology) lending to emerge as a potentially promising solution to reduce the cost of credit and increase financial inclusion. However, machine learning (ML) methods that lie at the heart of FinTech credit have remained largely a black box for the nontechnical audience. This paper contributes to the literature by discussing potential strengths and weaknesses of ML-based credit assessment through (1) presenting core ideas and the most common techniques in ML for the nontechnical audience; and (2) discussing the fundamental challenges in credit risk analysis. FinTech credit has the potential to enhance financial inclusion and outperform traditional credit scoring by (1) leveraging nontraditional data sources to improve the assessment of the borrower’s track record; (2) appraising collateral value; (3) forecasting income prospects; and (4) predicting changes in general conditions. However, because of the central role of data in ML-based analysis, data relevance should be ensured, especially in situations when a deep structural change occurs, when borrowers could counterfeit certain indicators, and when agency problems arising from information asymmetry could not be resolved. To avoid digital financial exclusion and redlining, variables that trigger discrimination should not be used to assess credit rating.

Download or read book Predictive Analytics written by Eric Siegel and published by John Wiley & Sons. This book was released on 2016-01-12 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Mesmerizing & fascinating..." —The Seattle Post-Intelligencer "The Freakonomics of big data." —Stein Kretsinger, founding executive of Advertising.com Award-winning | Used by over 30 universities | Translated into 9 languages An introduction for everyone. In this rich, fascinating — surprisingly accessible — introduction, leading expert Eric Siegel reveals how predictive analytics (aka machine learning) works, and how it affects everyone every day. Rather than a “how to” for hands-on techies, the book serves lay readers and experts alike by covering new case studies and the latest state-of-the-art techniques. Prediction is booming. It reinvents industries and runs the world. Companies, governments, law enforcement, hospitals, and universities are seizing upon the power. These institutions predict whether you're going to click, buy, lie, or die. Why? For good reason: predicting human behavior combats risk, boosts sales, fortifies healthcare, streamlines manufacturing, conquers spam, optimizes social networks, toughens crime fighting, and wins elections. How? Prediction is powered by the world's most potent, flourishing unnatural resource: data. Accumulated in large part as the by-product of routine tasks, data is the unsalted, flavorless residue deposited en masse as organizations churn away. Surprise! This heap of refuse is a gold mine. Big data embodies an extraordinary wealth of experience from which to learn. Predictive analytics (aka machine learning) unleashes the power of data. With this technology, the computer literally learns from data how to predict the future behavior of individuals. Perfect prediction is not possible, but putting odds on the future drives millions of decisions more effectively, determining whom to call, mail, investigate, incarcerate, set up on a date, or medicate. In this lucid, captivating introduction — now in its Revised and Updated edition — former Columbia University professor and Predictive Analytics World founder Eric Siegel reveals the power and perils of prediction: What type of mortgage risk Chase Bank predicted before the recession. Predicting which people will drop out of school, cancel a subscription, or get divorced before they even know it themselves. Why early retirement predicts a shorter life expectancy and vegetarians miss fewer flights. Five reasons why organizations predict death — including one health insurance company. How U.S. Bank and Obama for America calculated the way to most strongly persuade each individual. Why the NSA wants all your data: machine learning supercomputers to fight terrorism. How IBM's Watson computer used predictive modeling to answer questions and beat the human champs on TV's Jeopardy! How companies ascertain untold, private truths — how Target figures out you're pregnant and Hewlett-Packard deduces you're about to quit your job. How judges and parole boards rely on crime-predicting computers to decide how long convicts remain in prison. 182 examples from Airbnb, the BBC, Citibank, ConEd, Facebook, Ford, Google, the IRS, LinkedIn, Match.com, MTV, Netflix, PayPal, Pfizer, Spotify, Uber, UPS, Wikipedia, and more. How does predictive analytics work? This jam-packed book satisfies by demystifying the intriguing science under the hood. For future hands-on practitioners pursuing a career in the field, it sets a strong foundation, delivers the prerequisite knowledge, and whets your appetite for more. A truly omnipresent science, predictive analytics constantly affects our daily lives. Whether you are a