Financial Risk Assessment via Long-term Payment Behavior Sequence Folding

Online inclusive financial services encounter significant financial risks due to their expansive user base and low default costs. By real-world practice, we reveal that utilizing longer-term user payment behaviors can enhance models' ability to forecast financial risks. However, learning long b...

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Veröffentlicht in:	arXiv.org 2024-11
Hauptverfasser:	Qiao, Yiran, Tang, Yateng, Ao, Xiang, Yuan, Qi, Liu, Ziming, Chen, Shen, Zheng, Xuehao
Format:	Artikel
Sprache:	eng
Schlagworte:	Behavior Folding Learning Risk assessment
Online-Zugang:	Volltext
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