Advanced User Credit Risk Prediction Model using LightGBM, XGBoost and Tabnet with SMOTEENN

Bank credit risk is a significant challenge in modern financial transactions, and the ability to identify qualified credit card holders among a large number of applicants is crucial for the profitability of a bank'sbank's credit card business. In the past, screening applicants'applicants' conditions often required a significant amount of manual labor, which was time-consuming and labor-intensive. Although the accuracy and reliability of previously used ML models have been continuously improving, the pursuit of more reliable and powerful AI intelligent models is undoubtedly the unremitting pursuit by major banks in the financial industry. In this study, we used a dataset of over 40,000 records provided by a commercial bank as the research object. We compared various dimensionality reduction techniques such as PCA and T-SNE for preprocessing high-dimensional datasets and performed in-depth adaptation and tuning of distributed models such as LightGBM and XGBoost, as well as deep models like Tabnet. After a series of research and processing, we obtained excellent research results by combining SMOTEENN with these techniques. The experiments demonstrated that LightGBM combined with PCA and SMOTEENN techniques can assist banks in accurately predicting potential high-quality customers, showing relatively outstanding performance compared to other models.

HybridGazeNet: Geometric model guided Convolutional Neural Networks for gaze estimation

As a critical cue for understanding human intention, human gaze provides a key signal for Human-Computer Interaction(HCI) applications. Appearance-based gaze estimation, which directly regresses the gaze vector from eye images, has made great progress recently based on Convolutional Neural Networks(ConvNets) architecture and open-source large-scale gaze datasets. However, encoding model-based knowledge into CNN model to further improve the gaze estimation performance remains a topic that needs to be explored. In this paper, we propose HybridGazeNet(HGN), a unified framework that encodes the geometric eyeball model into the appearance-based CNN architecture explicitly. Composed of a multi-branch network and an uncertainty module, HybridGazeNet is trained using a hyridized strategy. Experiments on multiple challenging gaze datasets shows that HybridGazeNet has better accuracy and generalization ability compared with existing SOTA methods. The code will be released later.