The default risk, one of the main risk factors for bonds, should be measured and reflected in the bond yield. Particularly, in the case of financial companies that treat bonds as a major product, failure to properly identify and filter customers' workout status adversely affects returns. This study proposes a two-stage classification algorithm for…

We have maintained the customer grade system that is being implemented to customers with excellent performance through customer segmentation for years. Currently, financial institutions that operate the customer grade system provide similar services based on the score calculation criteria, but the score calculation criteria vary from the financial…

In recent years, smart learning environments have become central to modern education and support students and instructors through tools based on prediction and recommendation models. These methods often use learning material metadata, such as the knowledge contained in an exercise which is usually labeled by domain experts and is costly and…

The rapid advancement of powerful Large Language Models (LLMs), such as ChatGPT and Llama, has revolutionized the world by bringing new creative possibilities and enhancing productivity. However, these advancements also pose significant challenges and risks, including the potential for misuse in the form of fake news, academic dishonesty,…

Support vector classifiers are one of the most popular linear classification techniques for binary classification. Different from some commonly seen model fitting criteria in statistics, such as the ordinary least squares criterion and the maximum likelihood method, its algorithm depends on an optimization problem under constraints, which is…

Cyberbullying is the use of digital communication tools and spaces to inflict physical, mental, or emotional distress. This serious form of aggression is frequently targeted at, but not limited to, vulnerable populations. A common problem when creating machine learning models to identify cyberbullying is the availability of accurately annotated,…

Increasing productivity in educational systems is of great importance. Researchers are keen to predict the academic performance of students; this is done to enhance the overall productivity of educational system by effectively identifying students whose performance is below average. This universal concern has been combined with data science…

Background/Context: Chronic absenteeism is a serious problem that has been linked to lower academic achievement, diminished socioemotional skills, and an increased likelihood of high school dropout (Allensworth et al., 2021; Gottfried, 2014). As a result, many schools have begun to embrace early warning systems (EWS) as a tool to identify and flag…

Describes a microcomputer-based string index format generated from concept networks using multiple search terms. Link weighting is highlighted as a method to decide which term appears first so the entry reflects the classification implied by the search specification. The computer software used for this system is briefly described. (Author/LRW)

Discussion of automated information services focuses on information classification and collaborative agents, i.e. intelligent computer programs. Highlights include multi-agent systems; distributed artificial intelligence; thesauri; document representation and classification; agent modeling; acquaintances, or remote agents discovered through…

Proposes a taxonomy to aid decision makers in selecting computer software consistent with their educational values regarding the nature of instruction and the use of information technology, based on beliefs about human development and learning. Characteristics of instruction, properties of software, and the congruence between them are discussed.…