Towards a Comprehensible and Accurate Credit Management Model: Application of four Computational Intelligence Methodologies

The paper presents methods for classification of applicants into different categories of credit risk using four different computational intelligence techniques. The selected methodologies involved in the rule-based categorization task are (1) feedforward neural networks trained with second order methods (2) inductive machine learning, (3) hierarchical decision trees produced by grammar-guided genetic programming and (4) fuzzy rule based systems produced by grammar-guided genetic programming. The data used are both numerical and linguistic in nature and they represent a real-world problem, that of deciding whether a loan should be granted or not, in respect to financial details of customers applying for that loan, to a specific private EU bank. We examine the proposed classification models with a sample of enterprises that applied for a loan, each of which is described by financial decision variables (ratios), and classified to one of the four predetermined classes. Attention is given to the comprehensibility and the ease of use for the acquired decision models. Results show that the application of the proposed methods can make the classification task easier and - in some cases - may minimize significantly the amount of required credit data. We consider that these methodologies may also give the chance for the extraction of a comprehensible credit management model or even the incorporation of a related decision support system in bankin

Pilot interaction with automated airborne decision making systems

Two project areas were pursued: the intelligent cockpit and human problem solving. The first area involves an investigation of the use of advanced software engineering methods to aid aircraft crews in procedure selection and execution. The second area is focused on human problem solving in dynamic environments, particulary in terms of identification of rule-based models land alternative approaches to training and aiding. Progress in each area is discussed

Associative memory in artificial immune systems

The paper concentrates on analyzing associative properties of Artificial Immune Systems, especially on immunological memory, which is a member of a class of sparse and distributed associative memories [18]. This class of memories derives its associative and robust nature by sparsely sampling the input space and distributing the data among many independent agents [16]. Immunological memory is one of the defining characteristics of the adaptive immune system [4]. This memory is able to store and recall patterns when it is required, and can easily categorize new input data [11]. Immunological memory is distributed among the cells in the AIS memory population, and is robust, because when a portion of the memory population is lost, the remaining memory cells persist to produce a response. The major principle behind vaccination procedures in medicine and immunotherapy takes its source from associative properties of immunological memory [13]. Associative recall is a general phenomenon of immunological memory [18]

An Online Adaptive Machine Learning Framework for Autonomous Fault Detection

The increasing complexity and autonomy of modern systems, particularly in the aerospace industry, demand robust and adaptive fault detection and health management solutions. The development of a data-driven fault detection system that can adapt to varying conditions and system changes is critical to the performance, safety, and reliability of these systems. This dissertation presents a novel fault detection approach based on the integration of the artificial immune system (AIS) paradigm and Online Support Vector Machines (OSVM). Together, these algorithms create the Artificial Immune System augemented Online Support Vector Machine (AISOSVM). The AISOSVM framework combines the strengths of the AIS and OSVM to create a fault detection system that can effectively identify faults in complex systems while maintaining adaptability. The framework is designed using Model-Based Systems Engineering (MBSE) principles, employing the Capella tool and the Arcadia methodology to develop a structured, integrated approach for the design and deployment of the data-driven fault detection system. A key contribution of this research is the development of a Clonal Selection Algorithm that optimizes the OSVM hyperparameters and the V-Detector algorithm parameters, resulting in a more effective fault detection solution. The integration of the AIS in the training process enables the generation of synthetic abnormal data, mitigating the need for engineers to gather large amounts of failure data, which can be impractical. The AISOSVM also incorporates incremental learning and decremental unlearning for the Online Support Vector Machine, allowing the system to adapt online using lightweight computational processes. This capability significantly improves the efficiency of fault detection systems, eliminating the need for offline retraining and redeployment. Reinforcement Learning (RL) is proposed as a promising future direction for the AISOSVM, as it can help autonomously adapt the system performance in near real-time, further mitigating the need for acquiring large amounts of system data for training, and improving the efficiency of the adaptation process by intelligently selecting the best samples to learn from. The AISOSVM framework was applied to real-world scenarios and platform models, demonstrating its effectiveness and adaptability in various use cases. The combination of the AIS and OSVM, along with the online learning and RL integration, provides a robust and adaptive solution for fault detection and health management in complex autonomous systems. This dissertation presents a significant contribution to the field of fault detection and health management by integrating the artificial immune system paradigm with Online Support Vector Machines, developing a structured, integrated approach for designing and deploying data-driven fault detection systems, and implementing reinforcement learning for online, autonomous adaptation of fault management systems. The AISOSVM framework offers a promising solution to address the challenges of fault detection in complex, autonomous systems, with potential applications in a wide range of industries beyond aerospace