A reproducible benchmark on latency, cost, and reproducibility, and where agents actually earn their keep. The post The Hot Path Belongs to GBDTs, Agents Own the Cold Path: A Payment-Fraud Benchmark appeared first on Towards Data Science .
arXiv:2608.22389v1 Announce Type: cross Abstract: Regulation (EU) 2024/886 obliges European payment service providers to settle euro credit transfers in under ten seconds, around the clock. This remo...
Regulation (EU) 2024/886 obliges European payment service providers to settle euro credit transfers in under ten seconds, around the clock. This removes both the overnight batch window in which anti-m...
The true bottleneck was never the analysis. The post BI Is Dead, Long Live BI appeared first on Towards Data Science .
arXiv:2608. 16386v1 Announce Type: cross Abstract: Financial agents must do more than recall domain knowledge: they must be both reliable, executing precise operations over grounded evidence, and executive, sustaining long-horizon research whose conclusions remain auditable.
Why Agentic BI threatens an entire profession The post Escaping the Valley of Choice in BI appeared first on Towards Data Science .
The article recounts a final‑year project in which the author trained six different models for fraud detection. It highlights the discrepancy between the model that performed best on evaluation metrics and the one that was ultimately chosen for production. The piece reflects on how real‑world constraints can override purely statistical performance.
How a seemingly harmless move to a multi-agent architecture quietly tripled our LLM costs and what actually fixed it. The post The 3× Token Bill We Didn’t See Coming appeared first on Towards Data Science .
arXiv:2608. 15177v1 Announce Type: cross Abstract: The increasing complexity of digital financial systems has reshaped financial fraud detection from isolated transaction classification into relational risk reasoning over interconnected financial entities.
arXiv:2606. 08146v1 Announce Type: new Abstract: Fraud detection in payment, e-commerce, and telecommunications systems requires accuracy at the individual level, robustness under severe class imbalance, and ease of understanding for risk managers.
Towards Data Science has announced a major overhaul of its website and contributor portal. The new site promises faster performance and a brand‑new portal for writers, aiming to improve the experience for both readers and contributors. The update is positioned as a significant upgrade for anyone who reads, writes, or both on the platform.
Behind a customer's API, a high-quality answer isn't enough. It has to be usable, which means on time.
arXiv:2604. 17420v2 Announce Type: replace-cross Abstract: Money laundering poses severe risks to global financial systems, driving the widespread adoption of machine learning for transaction monitoring.