Linear Discriminant Analysis in Credit Scoring: A Transparent Hybrid Model Approach

The development of computing has made credit scoring approaches possible, with various machine learning (ML) and deep learning (DL) techniques becoming more and more valuable. While complex models yield more accurate predictions, their interpretability is often weakened, which is a concern for credit scoring that places importance on decision fairness. As features of the dataset are a crucial factor for the credit scoring system, we implement Linear Discriminant Analysis (LDA) as a feature reduction technique, which reduces the burden of the models complexity. We compared 6 different machine learning models, 1 deep learning model, and a hybrid model with and without using LDA. From the result, we have found our hybrid model, XG-DNN, outperformed other models with the highest accuracy of 99.45% and a 99% F1 score with LDA. Lastly, to interpret model decisions, we have applied 2 different explainable AI techniques named LIME (local) and Morris Sensitivity Analysis (global). Through this research, we showed how feature reduction techniques can be used without affecting the performance and explainability of the model, which can be very useful in resource-constrained settings to optimize the computational workload.

Handwritten Word Recognition using Deep Learning Approach: A Novel Way of Generating Handwritten Words

A handwritten word recognition system comes with issues such as lack of large and diverse datasets. It is necessary to resolve such issues since millions of official documents can be digitized by training deep learning models using a large and diverse dataset. Due to the lack of data availability, the trained model does not give the expected result. Thus, it has a high chance of showing poor results. This paper proposes a novel way of generating diverse handwritten word images using handwritten characters. The idea of our project is to train the BiLSTM-CTC architecture with generated synthetic handwritten words. The whole approach shows the process of generating two types of large and diverse handwritten word datasets: overlapped and non-overlapped. Since handwritten words also have issues like overlapping between two characters, we have tried to put it into our experimental part. We have also demonstrated the process of recognizing handwritten documents using the deep learning model. For the experiments, we have targeted the Bangla language, which lacks the handwritten word dataset, and can be followed for any language. Our approach is less complex and less costly than traditional GAN models. Finally, we have evaluated our model using Word Error Rate (WER), accuracy, f1-score, precision, and recall metrics. The model gives 39% WER score, 92% percent accuracy, and 92% percent f1 scores using non-overlapped data and 63% percent WER score, 83% percent accuracy, and 85% percent f1 scores using overlapped data.

Deep Learning Approach for Classifying the Aggressive Comments on Social Media: Machine Translated Data Vs Real Life Data

Aggressive comments on social media negatively impact human life. Such offensive contents are responsible for depression and suicidal-related activities. Since online social networking is increasing day by day, the hate content is also increasing. Several investigations have been done on the domain of cyberbullying, cyberaggression, hate speech, etc. The majority of the inquiry has been done in the English language. Some languages (Hindi and Bangla) still lack proper investigations due to the lack of a dataset. This paper particularly worked on the Hindi, Bangla, and English datasets to detect aggressive comments and have shown a novel way of generating machine-translated data to resolve data unavailability issues. A fully machine-translated English dataset has been analyzed with the models such as the Long Short term memory model (LSTM), Bidirectional Long-short term memory model (BiLSTM), LSTM-Autoencoder, word2vec, Bidirectional Encoder Representations from Transformers (BERT), and generative pre-trained transformer (GPT-2) to make an observation on how the models perform on a machine-translated noisy dataset. We have compared the performance of using the noisy data with two more datasets such as raw data, which does not contain any noises, and semi-noisy data, which contains a certain amount of noisy data. We have classified both the raw and semi-noisy data using the aforementioned models. To evaluate the performance of the models, we have used evaluation metrics such as F1-score,accuracy, precision, and recall. We have achieved the highest accuracy on raw data using the gpt2 model, semi-noisy data using the BERT model, and fully machine-translated data using the BERT model. Since many languages do not have proper data availability, our approach will help researchers create machine-translated datasets for several analysis purposes.