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See detailOn the Suitability of SHAP Explanations for Refining Classifications
Arslan, Yusuf UL; Lebichot, Bertrand UL; Allix, Kevin UL et al

in In Proceedings of the 14th International Conference on Agents and Artificial Intelligence (ICAART 2022) (2022, February)

In industrial contexts, when an ML model classifies a sample as positive, it raises an alarm, which is subsequently sent to human analysts for verification. Reducing the number of false alarms upstream in ... [more ▼]

In industrial contexts, when an ML model classifies a sample as positive, it raises an alarm, which is subsequently sent to human analysts for verification. Reducing the number of false alarms upstream in an ML pipeline is paramount to reduce the workload of experts while increasing customers’ trust. Increasingly, SHAP Explanations are leveraged to facilitate manual analysis. Because they have been shown to be useful to human analysts in the detection of false positives, we postulate that SHAP Explanations may provide a means to automate false-positive reduction. To confirm our intuition, we evaluate clustering and rules detection metrics with ground truth labels to understand the utility of SHAP Explanations to discriminate false positives from true positives. We show that SHAP Explanations are indeed relevant in discriminating samples and are a relevant candidate to automate ML tasks and help to detect and reduce false-positive results. [less ▲]

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See detailComparing MultiLingual and Multiple MonoLingual Models for Intent Classification and Slot Filling
Lothritz, Cedric UL; Allix, Kevin UL; Lebichot, Bertrand UL et al

in 26th International Conference on Applications of Natural Language to Information Systems (2021, June 25)

With the momentum of conversational AI for enhancing client-to-business interactions, chatbots are sought in various domains, including FinTech where they can automatically handle requests for opening ... [more ▼]

With the momentum of conversational AI for enhancing client-to-business interactions, chatbots are sought in various domains, including FinTech where they can automatically handle requests for opening/closing bank accounts or issuing/terminating credit cards. Since they are expected to replace emails and phone calls, chatbots must be capable to deal with diversities of client populations. In this work, we focus on the variety of languages, in particular in multilingual countries. Specifically, we investigate the strategies for training deep learning models of chatbots with multilingual data. We perform experiments for the specific tasks of Intent Classification and Slot Filling in financial domain chatbots and assess the performance of mBERT multilingual model vs multiple monolingual models. [less ▲]

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See detailTransfer Learning Strategies for Credit Card Fraud Detection.
Lebichot, Bertrand UL; Verheslt, Théo; Le Borgne, Yann-aël et al

in IEEE Access (2021)

Credit card fraud jeopardizes the trust of customers in e-commerce transactions. This led in recent years to major advances in the design of automatic Fraud Detection Systems (FDS) able to detect ... [more ▼]

Credit card fraud jeopardizes the trust of customers in e-commerce transactions. This led in recent years to major advances in the design of automatic Fraud Detection Systems (FDS) able to detect fraudulent transactions with short reaction time and high precision. Nevertheless, the heterogeneous nature of the fraud behavior makes it difficult to tailor existing systems to different contexts (e.g. new payment systems, different countries and/or population segments). Given the high cost (research, prototype development, and implementation in production) of designing data-driven FDSs, it is crucial for transactional companies to define procedures able to adapt existing pipelines to new challenges. From an AI/machine learning perspective, this is known as the problem of transfer learning. This paper discusses the design and implementation of transfer learning approaches for e-commerce credit card fraud detection and their assessment in a real setting. The case study, based on a six-month dataset (more than 200 million e-commerce transactions) provided by the industrial partner, relates to the transfer of detection models developed for a European country to another country. In particular, we present and discuss 15 transfer learning techniques (ranging from naive baselines to state-of-the-art and new approaches), making a critical and quantitative comparison in terms of precision for different transfer scenarios. Our contributions are twofold: (i) we show that the accuracy of many transfer methods is strongly dependent on the number of labeled samples in the target domain and (ii) we propose an ensemble solution to this problem based on self-supervised and semi-supervised domain adaptation classifiers. The thorough experimental assessment shows that this solution is both highly accurate and hardly sensitive to the number of labeled samples. [less ▲]

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See detailIncremental learning strategies for credit cards fraud detection.
Lebichot, Bertrand UL; Gian-Marco, Paldino; Wissam, Siblini et al

in nternational Journal of Data Science and Analytics (2021)

very second, thousands of credit or debit card transactions are processed in financial institutions. This extensive amount of data and its sequential nature make the problem of fraud detection ... [more ▼]

very second, thousands of credit or debit card transactions are processed in financial institutions. This extensive amount of data and its sequential nature make the problem of fraud detection particularly challenging. Most analytical strategies used in production are still based on batch learning, which is inadequate for two reasons: Models quickly become outdated and require sensitive data storage. The evolving nature of bank fraud enshrines the importance of having up-to-date models, and sensitive data retention makes companies vulnerable to infringements of the European General Data Protection Regulation. For these reasons, evaluating incremental learning strategies is recommended. This paper designs and evaluates incremental learning solutions for real-world fraud detection systems. The aim is to demonstrate the competitiveness of incremental learning over conventional batch approaches and, consequently, improve its accuracy employing ensemble learning, diversity and transfer learning. An experimental analysis is conducted on a full-scale case study including five months of e-commerce transactions and made available by our industry partner, Worldline. [less ▲]

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See detailTransfer learning for credit card fraud detection : A journey from research to production.
Siblini, Wissam; Coter, Guillaume; Fabry, Remy et al

in The Proceedings of the Data Science and Advanced Analytics (DSAA 2021) IEEE conference (2021)

The dark face of digital commerce generalization is the increase of fraud attempts. To prevent any type of attacks, state-of-the-art fraud detection systems are now embedding Machine Learning (ML) modules ... [more ▼]

The dark face of digital commerce generalization is the increase of fraud attempts. To prevent any type of attacks, state-of-the-art fraud detection systems are now embedding Machine Learning (ML) modules. The conception of such modules is only communicated at the level of research and papers mostly focus on results for isolated benchmark datasets and metrics. But research is only a part of the journey, preceded by the right formulation of the business problem and collection of data, and followed by a practical integration. In this paper, we give a wider vision of the process, on a case study of transfer learning for fraud detection, from business to research, and back to business. [less ▲]

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See detailAST-MTL : An Attention-based Multi- Task Learning Strategy for Traffic Forecasting
Buroni, Giovanni; Lebichot, Bertrand UL; Bontempi, Gianluca

in IEEE Access (2021)

Detailed reference viewed: 24 (0 UL)