2 papers
cs.LG2025
Beyond the Pre-Service Horizon: Infusing In-Service Behavior for Improved Financial Risk Forecasting
Senhao Liu, Zhiyu Guo, Zhiyuan Ji +5
Typical financial risk management involves distinct phases for pre-service risk assessment and in-service default detection, often modeled separately. This paper proposes a novel f…
cs.CY2024
Financial Risk Assessment via Long-term Payment Behavior Sequence Folding
Yiran Qiao, Yateng Tang, Xiang Ao +4
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 l…