This paper presents a methodology-centered transfer learning framework for fragility adaptation under domain shift, class imbalance, and scarce target labels while preserving engineering interpretability and supporting decision-making under uncertainty. Four transfer learning strategies (instance-based, parameter-based, hierarchical Bayesian, and multi-source) are demonstrated through three complementary case studies: (i) instance-based transfer learning via importance weighting, demonstrated on coastal bridge fragility using Hurricane Katrina observations; (ii) parameter-based transfer learning together with hierarchical Bayesian transfer learning, enabling partial pooling across strata and posterior uncertainty quantification, demonstrated on residential building fragility using Hurricane Ian observations; and (iii) multi-source transfer learning that fuses multiple analytical fragility models with learned source weights and regularized target-domain adaptation, demonstrated on seismic bridge fragility using observations from the 2001 Nisqually earthquake. Across these case studies, direct transfer of source models (i.e. using existing state-of-the-art models) fails under domain shift and severe class imbalance, while targeted adaptation substantially improves failure detection and predictive stability in low-data regimes. These findings highlight the need for systematic guidance on diagnostics, strategy selection, and uncertainty reporting when developing and adapting fragility models.

Transfer learning is an essential technique for many machine learning/AI models of complex structures such as large language models and generative AI. The essence of transfer learning is to leverage knowledge from resolved source tasks for a new target task, especially when the sample size $m$ of the training data for the latter is low. In this work, we rigorously analyze the potential benefit of transfer learning in terms of sample efficiency. Specifically, taking an optimal transport viewpoint of transfer learning, we find that when the data dimension $d$ is higher than $3$, the sample complexity for transfer learning is $O(m^{-(α+1)/d})$, with $α$ indicating the smoothness of the data distribution, as opposed to the $O(m^{-p/d})$ sample complexity for direct learning with $p$ indicating the smoothness of the optimal target model. Our finding theoretically supports a better sample efficiency for transfer learning, when the target task is optimizing over a family of not-so-smooth models (i.e., highly complex networks with the possible use of non-smooth activation functions). Using image classification as an example, we numerically demonstrate the sample efficiency for transfer learning, that is, in the data hungry regime, the model performance can be significantly improved by transfer learning.

We introduce a transfer learning framework for regression that leverages heterogeneous source domains to improve predictive performance in a data-scarce target domain. Our approach learns a conditional generative model separately for each source domain and calibrates the generated responses to the target domain via conditional quantile matching. This distributional alignment step corrects general discrepancies between source and target domains without imposing restrictive assumptions such as covariate or label shift. The resulting framework provides a principled and flexible approach to high-quality data augmentation for downstream learning tasks in the target domain. From a theoretical perspective, we show that an empirical risk minimizer (ERM) trained on the augmented dataset achieves a tighter excess risk bound than the target-only ERM under mild conditions. In particular, we establish new convergence rates for the quantile matching estimator that governs the transfer bias-variance tradeoff. From a practical perspective, extensive simulations and real data applications demonstrate that the proposed method consistently improves prediction accuracy over target-only learning and competing transfer learning methods.

Mycotoxin contamination poses a significant risk to cereal crop quality, food safety, and agricultural productivity. Accurate prediction of mycotoxin levels can support early intervention strategies and reduce economic losses. This study investigates the use of neural networks and transfer learning models to predict mycotoxin contamination in Irish oat crops as a multi-response prediction task. Our dataset comprises oat samples collected in Ireland, containing a mix of environmental, agronomic, and geographical predictors. Five modelling approaches were evaluated: a baseline multilayer perceptron (MLP), an MLP with pre-training, and three transfer learning models; TabPFN, TabNet, and FT-Transformer. Model performance was evaluated using regression (RMSE, $R^2$) and classification (AUC, F1) metrics, with results reported per toxin and on average. Additionally, permutation-based variable importance analysis was conducted to identify the most influential predictors across both prediction tasks. The transfer learning approach TabPFN provided the overall best performance, followed by the baseline MLP. Our variable importance analysis revealed that weather history patterns in the 90-day pre-harvest period were the most important predictors, alongside seed moisture content.

Transfer learning from natural image datasets, particularly ImageNet, using standard large models and corresponding pretrained weights has become a de-facto method for deep learning applications to medical imaging. However, there are fundamental differences in data sizes, features and task specifications between natural image classification and the target medical tasks, and there is little understanding of the effects of transfer. In this paper, we explore properties of transfer learning for medical imaging. A performance evaluation on two large scale medical imaging tasks shows that surprisingly, transfer offers little benefit to performance, and simple, lightweight models can perform comparably to ImageNet architectures. Investigating the learned representations and features, we find that some of the differences from transfer learning are due to the over-parametrization of standard models rather than sophisticated feature reuse. We isolate where useful feature reuse occurs, and outline the implications for more efficient model exploration. We also explore feature independent benefits of transfer arising from weight scalings.

We propose a new principle for transfer learning, based on a straightforward intuition: if two domains are similar to each other, the model trained on one domain should also perform well on the other domain, and vice versa. To formalize this intuition, we define the performance gap as a measure of the discrepancy between the source and target domains. We derive generalization bounds for the instance weighting approach to transfer learning, showing that the performance gap can be viewed as an algorithm-dependent regularizer, which controls the model complexity. Our theoretical analysis provides new insight into transfer learning and motivates a set of general, principled rules for designing new instance weighting schemes for transfer learning. These rules lead to gapBoost, a novel and principled boosting approach for transfer learning. Our experimental evaluation on benchmark data sets shows that gapBoost significantly outperforms previous boosting-based transfer learning algorithms.

We aim to understand the value of additional labeled or unlabeled target data in transfer learning, for any given amount of source data; this is motivated by practical questions around minimizing sampling costs, whereby, target data is usually harder or costlier to acquire than source data, but can yield better accuracy. To this aim, we establish the first minimax-rates in terms of both source and target sample sizes, and show that performance limits are captured by new notions of discrepancy between source and target, which we refer to as transfer exponents. Interestingly, we find that attaining minimax performance is akin to ignoring one of the source or target samples, provided distributional parameters were known a priori. Moreover, we show that practical decisions -- w.r.t.

Consider the problem of improving the estimation of conditional average treatment effects (CATE) for a target domain of interest by leveraging related information from a source domain with a different feature space. This heterogeneous transfer learning problem for CATE estimation is ubiquitous in areas such as healthcare where we may wish to evaluate the effectiveness of a treatment for a new patient population for which different clinical covariates and limited data are available. In this paper, we address this problem by introducing several building blocks that use representation learning to handle the heterogeneous feature spaces and a flexible multi-task architecture with shared and private layers to transfer information between potential outcome functions across domains. Then, we show how these building blocks can be used to recover transfer learning equivalents of the standard CATE learners. On a new semi-synthetic data simulation benchmark for heterogeneous transfer learning, we not only demonstrate performance improvements of our heterogeneous transfer causal effect learners across datasets, but also provide insights into the differences between these learners from a transfer perspective.

Transfer learning aims to leverage knowledge from pre-trained models to benefit the target task. Prior transfer learning work mainly transfers from a single model. However, with the emergence of deep models pre-trained from different resources, model hubs consisting of diverse models with various architectures, pre-trained datasets and learning paradigms are available. Directly applying single-model transfer learning methods to each model wastes the abundant knowledge of the model hub and suffers from high computational cost. In this paper, we propose a Hub-Pathway framework to enable knowledge transfer from a model hub.