FIN-DM: finantsteenuste andmekaeve protsessi mudel

Andmekaeve hõlmab reeglite kogumit, protsesse ja algoritme, mis võimaldavad ettevõtetel iga päev kogutud andmetest rakendatavaid teadmisi ammutades suurendada tulusid, vähendada kulusid, optimeerida tooteid ja kliendisuhteid ning saavutada teisi eesmärke. Andmekaeves ja -analüütikas on vaja hästi määratletud metoodikat ja protsesse. Saadaval on mitu andmekaeve ja -analüütika standardset protsessimudelit. Kõige märkimisväärsem ja laialdaselt kasutusele võetud standardmudel on CRISP-DM. Tegu on tegevusalast sõltumatu protsessimudeliga, mida kohandatakse sageli sektorite erinõuetega. CRISP-DMi tegevusalast lähtuvaid kohandusi on pakutud mitmes valdkonnas, kaasa arvatud meditsiini-, haridus-, tööstus-, tarkvaraarendus- ja logistikavaldkonnas. Seni pole aga mudelit kohandatud finantsteenuste sektoris, millel on omad valdkonnapõhised erinõuded. Doktoritöös käsitletakse seda lünka finantsteenuste sektoripõhise andmekaeveprotsessi (FIN-DM) kavandamise, arendamise ja hindamise kaudu. Samuti uuritakse, kuidas kasutatakse andmekaeve standardprotsesse eri tegevussektorites ja finantsteenustes. Uurimise käigus tuvastati mitu tavapärase raamistiku kohandamise stsenaariumit. Lisaks ilmnes, et need meetodid ei keskendu piisavalt sellele, kuidas muuta andmekaevemudelid tarkvaratoodeteks, mida saab integreerida organisatsioonide IT-arhitektuuri ja äriprotsessi. Peamised finantsteenuste valdkonnas tuvastatud kohandamisstsenaariumid olid seotud andmekaeve tehnoloogiakesksete (skaleeritavus), ärikesksete (tegutsemisvõime) ja inimkesksete (diskrimineeriva mõju leevendus) aspektidega. Seejärel korraldati tegelikus finantsteenuste organisatsioonis juhtumiuuring, mis paljastas 18 tajutavat puudujääki CRISP- DMi protsessis. Uuringu andmete ja tulemuste abil esitatakse doktoritöös finantsvaldkonnale kohandatud CRISP-DM nimega FIN-DM ehk finantssektori andmekaeve protsess (Financial Industry Process for Data Mining). FIN-DM laiendab CRISP-DMi nii, et see toetab privaatsust säilitavat andmekaevet, ohjab tehisintellekti eetilisi ohte, täidab riskijuhtimisnõudeid ja hõlmab kvaliteedi tagamist kui osa andmekaeve elutsüklisData mining is a set of rules, processes, and algorithms that allow companies to increase revenues, reduce costs, optimize products and customer relationships, and achieve other business goals, by extracting actionable insights from the data they collect on a day-to-day basis. Data mining and analytics projects require well-defined methodology and processes. Several standard process models for conducting data mining and analytics projects are available. Among them, the most notable and widely adopted standard model is CRISP-DM. It is industry-agnostic and often is adapted to meet sector-specific requirements. Industry- specific adaptations of CRISP-DM have been proposed across several domains, including healthcare, education, industrial and software engineering, logistics, etc. However, until now, there is no existing adaptation of CRISP-DM for the financial services industry, which has its own set of domain-specific requirements. This PhD Thesis addresses this gap by designing, developing, and evaluating a sector-specific data mining process for financial services (FIN-DM). The PhD thesis investigates how standard data mining processes are used across various industry sectors and in financial services. The examination identified number of adaptations scenarios of traditional frameworks. It also suggested that these approaches do not pay sufficient attention to turning data mining models into software products integrated into the organizations' IT architectures and business processes. In the financial services domain, the main discovered adaptation scenarios concerned technology-centric aspects (scalability), business-centric aspects (actionability), and human-centric aspects (mitigating discriminatory effects) of data mining. Next, an examination by means of a case study in the actual financial services organization revealed 18 perceived gaps in the CRISP-DM process. Using the data and results from these studies, the PhD thesis outlines an adaptation of CRISP-DM for the financial sector, named the Financial Industry Process for Data Mining (FIN-DM). FIN-DM extends CRISP-DM to support privacy-compliant data mining, to tackle AI ethics risks, to fulfill risk management requirements, and to embed quality assurance as part of the data mining life-cyclehttps://www.ester.ee/record=b547227

The text classification pipeline: Starting shallow, going deeper

An increasingly relevant and crucial subfield of Natural Language Processing (NLP), tackled in this PhD thesis from a computer science and engineering perspective, is the Text Classification (TC). Also in this field, the exceptional success of deep learning has sparked a boom over the past ten years. Text retrieval and categorization, information extraction and summarization all rely heavily on TC. The literature has presented numerous datasets, models, and evaluation criteria. Even if languages as Arabic, Chinese, Hindi and others are employed in several works, from a computer science perspective the most used and referred language in the literature concerning TC is English. This is also the language mainly referenced in the rest of this PhD thesis. Even if numerous machine learning techniques have shown outstanding results, the classifier effectiveness depends on the capability to comprehend intricate relations and non-linear correlations in texts. In order to achieve this level of understanding, it is necessary to pay attention not only to the architecture of a model but also to other stages of the TC pipeline. In an NLP framework, a range of text representation techniques and model designs have emerged, including the large language models. These models are capable of turning massive amounts of text into useful vector representations that effectively capture semantically significant information. The fact that this field has been investigated by numerous communities, including data mining, linguistics, and information retrieval, is an aspect of crucial interest. These communities frequently have some overlap, but are mostly separate and do their research on their own. Bringing researchers from other groups together to improve the multidisciplinary comprehension of this field is one of the objectives of this dissertation. Additionally, this dissertation makes an effort to examine text mining from both a traditional and modern perspective. This thesis covers the whole TC pipeline in detail. However, the main contribution is to investigate the impact of every element in the TC pipeline to evaluate the impact on the final performance of a TC model. It is discussed the TC pipeline, including the traditional and the most recent deep learning-based models. This pipeline consists of State-Of-The-Art (SOTA) datasets used in the literature as benchmark, text preprocessing, text representation, machine learning models for TC, evaluation metrics and current SOTA results. In each chapter of this dissertation, I go over each of these steps, covering both the technical advancements and my most significant and recent findings while performing experiments and introducing novel models. The advantages and disadvantages of various options are also listed, along with a thorough comparison of the various approaches. At the end of each chapter, there are my contributions with experimental evaluations and discussions on the results that I have obtained during my three years PhD course. The experiments and the analysis related to each chapter (i.e., each element of the TC pipeline) are the main contributions that I provide, extending the basic knowledge of a regular survey on the matter of TC.An increasingly relevant and crucial subfield of Natural Language Processing (NLP), tackled in this PhD thesis from a computer science and engineering perspective, is the Text Classification (TC). Also in this field, the exceptional success of deep learning has sparked a boom over the past ten years. Text retrieval and categorization, information extraction and summarization all rely heavily on TC. The literature has presented numerous datasets, models, and evaluation criteria. Even if languages as Arabic, Chinese, Hindi and others are employed in several works, from a computer science perspective the most used and referred language in the literature concerning TC is English. This is also the language mainly referenced in the rest of this PhD thesis. Even if numerous machine learning techniques have shown outstanding results, the classifier effectiveness depends on the capability to comprehend intricate relations and non-linear correlations in texts. In order to achieve this level of understanding, it is necessary to pay attention not only to the architecture of a model but also to other stages of the TC pipeline. In an NLP framework, a range of text representation techniques and model designs have emerged, including the large language models. These models are capable of turning massive amounts of text into useful vector representations that effectively capture semantically significant information. The fact that this field has been investigated by numerous communities, including data mining, linguistics, and information retrieval, is an aspect of crucial interest. These communities frequently have some overlap, but are mostly separate and do their research on their own. Bringing researchers from other groups together to improve the multidisciplinary comprehension of this field is one of the objectives of this dissertation. Additionally, this dissertation makes an effort to examine text mining from both a traditional and modern perspective. This thesis covers the whole TC pipeline in detail. However, the main contribution is to investigate the impact of every element in the TC pipeline to evaluate the impact on the final performance of a TC model. It is discussed the TC pipeline, including the traditional and the most recent deep learning-based models. This pipeline consists of State-Of-The-Art (SOTA) datasets used in the literature as benchmark, text preprocessing, text representation, machine learning models for TC, evaluation metrics and current SOTA results. In each chapter of this dissertation, I go over each of these steps, covering both the technical advancements and my most significant and recent findings while performing experiments and introducing novel models. The advantages and disadvantages of various options are also listed, along with a thorough comparison of the various approaches. At the end of each chapter, there are my contributions with experimental evaluations and discussions on the results that I have obtained during my three years PhD course. The experiments and the analysis related to each chapter (i.e., each element of the TC pipeline) are the main contributions that I provide, extending the basic knowledge of a regular survey on the matter of TC