arXiv AI
zScore-N: A Neural Network for On-Chain Wallet Reputation Scoring
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arXiv Machine Learning
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The Hidden Costs of 99% Accuracy: A Trustworthiness Audit of the Telco Customer Churn Benchmark
The paper audits the IBM Telco Customer Churn benchmark, revealing that common practices inflate performance metrics. It shows that pre‑split SMOTE boosts churn‑class F1 by 13.1 points, that isotonic regression is the best calibration method while temperature scaling fails on tree ensembles, and that the cost‑optimal decision threshold is 5–10 times lower than the F1‑optimal one, saving about $77,000 per 1,000 customers. The authors also test generalisation on Iranian Telecom and Bank churn datasets, and propose a four‑component reporting checklist with reproducible code.
arXiv Machine Learning
Sep 1
Beyond Churn: Predicting Financial Fragmentation in Retail Banking with Temporal Machine Learning
arXiv:2608.30364v1 Announce Type: new Abstract: Retail banking attrition is usually represented as a terminal binary event, even though client relationships often weaken earlier through partial movem...
arXiv Machine Learning
Jul 31
ZAPs: A Reward Attribution Framework for DeFi Ecosystems with Adversarial-Robust Scoring via Parallel Anomaly Ensemble Detection
arXiv:2607. 27859v1 Announce Type: cross Abstract: Incentive programs are central to user acquisition in decentralized finance, but many reward systems rely on raw volume, transaction count, and wallet count, making them vulnerable to bots and sybil operations.
arXiv Machine Learning
Aug 11
Accurate Ensembles, Fragile Narratives: Multi-Scale Stacking and a Fidelity Audit of LLM-Generated Explanations for Credit Risk
arXiv:2608. 08126v1 Announce Type: new Abstract: Credit scoring increasingly relies on models whose decision logic cannot be read off their parameters, in tension with supervisory expectations that adverse decisions be explainable.
arXiv Statistics ML
Sep 10
Adversarial Training for Tabular Credit Scoring: A Multi-Attack Robustness Evaluation in P2P Lending
arXiv:2609.09945v1 Announce Type: cross Abstract: Machine learning-based credit scoring is increasingly central to Peer-to-Peer (P2P) lending, yet its resilience to adversarial manipulation, where ap...
arXiv Machine Learning
Aug 18
Detecting Money Laundering in Rwandan Mobile Money: A Machine Learning Framework
arXiv:2608. 15447v1 Announce Type: new Abstract: Mobile money has widened financial access across Sub-Saharan Africa and enlarged the surface for money-laundering and terrorism-financing (ML/TF) activity in ecosystems dominated by high-volume, low-value transactions.