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Bank Customer Churn Prediction Using Machine Learning

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This article was published as a part of the Data Science Blogathon. Customer Churn prediction means knowing which customers are likely to leave or unsubscribe from your service. For many companies, this is an important prediction. This is because acquiring new customers often costs more than retaining existing ones. Once you've identified customers at risk of churn, you need to know exactly what marketing efforts you should make with each customer to maximize their likelihood of staying.


OpBoost: A Vertical Federated Tree Boosting Framework Based on Order-Preserving Desensitization

arXiv.org Artificial Intelligence

Vertical Federated Learning (FL) is a new paradigm that enables users with non-overlapping attributes of the same data samples to jointly train a model without directly sharing the raw data. Nevertheless, recent works show that it's still not sufficient to prevent privacy leakage from the training process or the trained model. This paper focuses on studying the privacy-preserving tree boosting algorithms under the vertical FL. The existing solutions based on cryptography involve heavy computation and communication overhead and are vulnerable to inference attacks. Although the solution based on Local Differential Privacy (LDP) addresses the above problems, it leads to the low accuracy of the trained model. This paper explores to improve the accuracy of the widely deployed tree boosting algorithms satisfying differential privacy under vertical FL. Specifically, we introduce a framework called OpBoost. Three order-preserving desensitization algorithms satisfying a variant of LDP called distance-based LDP (dLDP) are designed to desensitize the training data. In particular, we optimize the dLDP definition and study efficient sampling distributions to further improve the accuracy and efficiency of the proposed algorithms. The proposed algorithms provide a trade-off between the privacy of pairs with large distance and the utility of desensitized values. Comprehensive evaluations show that OpBoost has a better performance on prediction accuracy of trained models compared with existing LDP approaches on reasonable settings. Our code is open source.


Diagnosis of Parkinson's Disease Based on Voice Signals Using SHAP and Hard Voting Ensemble Method

arXiv.org Artificial Intelligence

Background and Objective: Parkinson's disease (PD) is the second most common progressive neurological condition after Alzheimer's, characterized by motor and non-motor symptoms. Developing a method to diagnose the condition in its beginning phases is essential because of the significant number of individuals afflicting with this illness. PD is typically identified using motor symptoms or other Neuroimaging techniques, such as DATSCAN and SPECT. These methods are expensive, time-consuming, and unavailable to the general public; furthermore, they are not very accurate. These constraints encouraged us to develop a novel technique using SHAP and Hard Voting Ensemble Method based on voice signals. Methods: In this article, we used Pearson Correlation Coefficients to understand the relationship between input features and the output, and finally, input features with high correlation were selected. These selected features were classified by the Extreme Gradient Boosting (XGBoost), Light Gradient Boosting Machine (LightGBM), Gradient Boosting, and Bagging. Moreover, the Hard Voting Ensemble Method was determined based on the performance of the four classifiers. At the final stage, we proposed Shapley Additive exPlanations (SHAP) to rank the features according to their significance in diagnosing Parkinson's disease. Results and Conclusion: The proposed method achieved 85.42% accuracy, 84.94% F1-score, 86.77% precision, 87.62% specificity, and 83.20% sensitivity. The study's findings demonstrated that the proposed method outperformed state-of-the-art approaches and can assist physicians in diagnosing Parkinson's cases.


LEAPER: Fast and Accurate FPGA-based System Performance Prediction via Transfer Learning

arXiv.org Artificial Intelligence

Machine learning has recently gained traction as a way to overcome the slow accelerator generation and implementation process on an FPGA. It can be used to build performance and resource usage models that enable fast early-stage design space exploration. First, training requires large amounts of data (features extracted from design synthesis and implementation tools), which is cost-inefficient because of the time-consuming accelerator design and implementation process. Second, a model trained for a specific environment cannot predict performance or resource usage for a new, unknown environment. In a cloud system, renting a platform for data collection to build an ML model can significantly increase the total-cost-ownership (TCO) of a system. Third, ML-based models trained using a limited number of samples are prone to overfitting. To overcome these limitations, we propose LEAPER, a transfer learning-based approach for prediction of performance and resource usage in FPGA-based systems. The key idea of LEAPER is to transfer an ML-based performance and resource usage model trained for a low-end edge environment to a new, high-end cloud environment to provide fast and accurate predictions for accelerator implementation. Experimental results show that LEAPER (1) provides, on average across six workloads and five FPGAs, 85% accuracy when we use our transferred model for prediction in a cloud environment with 5-shot learning and (2) reduces design-space exploration time for accelerator implementation on an FPGA by 10x, from days to only a few hours.


Computer Vision - Richard Szeliski

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As humans, we perceive the three-dimensional structure of the world around us with apparent ease. Think of how vivid the three-dimensional percept is when you look at a vase of flowers sitting on the table next to you. You can tell the shape and translucency of each petal through the subtle patterns of light and shading that play across its surface and effortlessly segment each flower from the background of the scene (Figure 1.1). Looking at a framed group por- trait, you can easily count (and name) all of the people in the picture and even guess at their emotions from their facial appearance. Perceptual psychologists have spent decades trying to understand how the visual system works and, even though they can devise optical illusions1 to tease apart some of its principles (Figure 1.3), a complete solution to this puzzle remains elusive (Marr 1982; Palmer 1999; Livingstone 2008).


A Decision Support System for Safer Airplane Landings: Predicting Runway Conditions Using XGBoost and Explainable AI

arXiv.org Artificial Intelligence

The presence of snow and ice on runway surfaces reduces the available tire-pavement friction needed for retardation and directional control and causes potential economic and safety threats for the aviation industry during the winter seasons. To activate appropriate safety procedures, pilots need accurate and timely information on the actual runway surface conditions. In this study, XGBoost is used to create a combined runway assessment system, which includes a classification model to identify slippery conditions and a regression model to predict the level of slipperiness. The models are trained on weather data and runway reports. The runway surface conditions are represented by the tire-pavement friction coefficient, which is estimated from flight sensor data from landing aircrafts. The XGBoost models are combined with SHAP approximations to provide a reliable decision support system for airport operators, which can contribute to safer and more economic operations of airport runways. To evaluate the performance of the prediction models, they are compared to several state-of-the-art runway assessment methods. The XGBoost models identify slippery runway conditions with a ROC AUC of 0.95, predict the friction coefficient with a MAE of 0.0254, and outperforms all the previous methods. The results show the strong abilities of machine learning methods to model complex, physical phenomena with a good accuracy. Published version: https://doi.org/10.1016/j.coldregions.2022.103556.


Applying Machine Learning to Life Insurance: some knowledge sharing to master it

arXiv.org Artificial Intelligence

Machine Learning permeates many industries, which brings new source of benefits for companies. However within the life insurance industry, Machine Learning is not widely used in practice as over the past years statistical models have shown their efficiency for risk assessment. Thus insurers may face difficulties to assess the value of the artificial intelligence. Focusing on the modification of the life insurance industry over time highlights the stake of using Machine Learning for insurers and benefits that it can bring by unleashing data value. This paper reviews traditional actuarial methodologies for survival modeling and extends them with Machine Learning techniques. It points out differences with regular machine learning models and emphasizes importance of specific implementations to face censored data with machine learning models family. In complement to this article, a Python library has been developed. Different open-source Machine Learning algorithms have been adjusted to adapt the specificities of life insurance data, namely censoring and truncation. Such models can be easily applied from this SCOR library to accurately model life insurance risks.


Top Python Libraries For Data Science with Free Courses

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Dask is a powerful open-source Python parallel computing framework. Dask scales Python programs from single-core local workstations to huge distributed cloud clusters. Dask provides a familiar user experience by replicating the APIs of other PyData ecosystem programs like Pandas, Scikit-learn, and NumPy. It also offers low-level APIs that allow programmers to execute bespoke algorithms concurrently.


Automatic Identification and Classification of Share Buybacks and their Effect on Short-, Mid- and Long-Term Returns

arXiv.org Artificial Intelligence

This thesis investigates share buybacks, specifically share buyback announcements. It addresses how to recognize such announcements, the excess return of share buybacks, and the prediction of returns after a share buyback announcement. We illustrate two NLP approaches for the automated detection of share buyback announcements. Even with very small amounts of training data, we can achieve an accuracy of up to 90%. This thesis utilizes these NLP methods to generate a large dataset consisting of 57,155 share buyback announcements. By analyzing this dataset, this thesis aims to show that most companies, which have a share buyback announced are underperforming the MSCI World. A minority of companies, however, significantly outperform the MSCI World. This significant overperformance leads to a net gain when looking at the averages of all companies. If the benchmark index is adjusted for the respective size of the companies, the average overperformance disappears, and the majority underperforms even greater. However, it was found that companies that announce a share buyback with a volume of at least 1% of their market cap, deliver, on average, a significant overperformance, even when using an adjusted benchmark. It was also found that companies that announce share buybacks in times of crisis emerge better than the overall market. Additionally, the generated dataset was used to train 72 machine learning models. Through this, it was able to find many strategies that could achieve an accuracy of up to 77% and generate great excess returns. A variety of performance indicators could be improved across six different time frames and a significant overperformance was identified. This was achieved by training several models for different tasks and time frames as well as combining these different models, generating significant improvement by fusing weak learners, in order to create one strong learner.


Cross-lingual Dysarthria Severity Classification for English, Korean, and Tamil

arXiv.org Artificial Intelligence

This paper proposes a cross-lingual classification method for English, Korean, and Tamil, which employs both language-independent features and language-unique features. First, we extract thirty-nine features from diverse speech dimensions such as voice quality, pronunciation, and prosody. Second, feature selections are applied to identify the optimal feature set for each language. A set of shared features and a set of distinctive features are distinguished by comparing the feature selection results of the three languages. Lastly, automatic severity classification is performed, utilizing the two feature sets. Notably, the proposed method removes different features by languages to prevent the negative effect of unique features for other languages. Accordingly, eXtreme Gradient Boosting (XGBoost) algorithm is employed for classification, due to its strength in imputing missing data. In order to validate the effectiveness of our proposed method, two baseline experiments are conducted: experiments using the intersection set of mono-lingual feature sets (Intersection) and experiments using the union set of mono-lingual feature sets (Union). According to the experimental results, our method achieves better performance with a 67.14% F1 score, compared to 64.52% for the Intersection experiment and 66.74% for the Union experiment. Further, the proposed method attains better performances than mono-lingual classifications for all three languages, achieving 17.67%, 2.28%, 7.79% relative percentage increases for English, Korean, and Tamil, respectively. The result specifies that commonly shared features and language-specific features must be considered separately for cross-language dysarthria severity classification.