Analyzing Machine Learning Models for Credit Scoring with Explainable AI and Optimizing Investment Decisions

This paper examines two different yet related questions related to explainable AI (XAI) practices. Machine learning (ML) is increasingly important in financial services, such as pre-approval, credit underwriting, investments, and various front-end and back-end activities. Machine Learning can automatically detect non-linearities and interactions in training data, facilitating faster and more accurate credit decisions. However, machine learning models are opaque and hard to explain, which are critical elements needed for establishing a reliable technology. The study compares various machine learning models, including single classifiers (logistic regression, decision trees, LDA, QDA), heterogeneous ensembles (AdaBoost, Random Forest), and sequential neural networks. The results indicate that ensemble classifiers and neural networks outperform. In addition, two advanced post-hoc model agnostic explainability techniques - LIME and SHAP are utilized to assess ML-based credit scoring models using the open-access datasets offered by US-based P2P Lending Platform, Lending Club. For this study, we are also using machine learning algorithms to develop new investment models and explore portfolio strategies that can maximize profitability while minimizing risk

Comparison of ease of insertion, visibility of strings and continuation rate of post-partum intrauterine copper device insertion by long inserter versus with the help of Kelly’s forceps

Background: The objective of the study was to compare ease of insertion, visibility of strings and continuation rate of post-partum intrauterine copper devices (PPIUCD) insertion by long inserter versus with the help of Kelly’s forceps.Methods: 100 women were enrolled in our study which was conducted in department of obstetrics and gynecology, Subharti medical college and Chattrapati Shivaji Subharti hospital (CSSH), Meerut over a period of 2 years between November 2018 and August 2020. In study comparison was done on insertion technique of PPIUCD.Results: High fundal placement was achieved with long inserter. There was no perforation and decreased infection rate among the users with no increase in incidence of side effects and expulsion. Among 50 insertion, 1 woman (2%) had partial expulsion, 2 women (4%) had complete expulsion and 1 woman (2%) got PPIUCD removed on request. Providers reported 100% easier technique. 96% satisfaction among the users.Conclusions: The dedicated long inserter PPIUCD was found to be safe, with high acceptability among the participants and providers. Study revealed the reduced risk of infection and expulsion, providers also reported increased convenience in insertion compared to standard PPIUCD insertion techniques

ATRA reduces inflammation and improves alveolar epithelium regeneration in emphysematous rat lung

Introduction Pulmonary emphysema characterized by alveolar wall destruction is resultant of persistent chronic inflammation. All-trans retinoic acid (ATRA) has been reported to reverse elastase-induced emphysema in rats. However, the underlying molecular mechanisms are so far unknown. Objective To investigate the therapeutic potential effect of ATRA via the amelioration of the ERK/JAK-STAT pathways in the lungs of emphysematous rats. Methods In silico analysis was done to find the binding efficiency of ATRA with receptor and ligands of ERK & JAK-STAT pathway. Emphysema was induced by porcine pancreatic elastase in Sprague-Dawley rats and ATRA was supplemented as therapy. Lungs were harvested for histopathological, genomics and proteomics analysis. Results and Discussion In silico docking, analysis confirms that ATRA interferes with the normal binding of ligands (TNF-α, IL6ST) and receptors (TNFR1, IL6) of ERK/JAK-STAT pathways respectively. ATRA restored the histology, proteases/antiproteases balance, levels of inflammatory markers, antioxidants, expression of candidate genes of ERK and JAK-STAT pathways in the therapy group. Conclusion ATRA ameliorates ERK/JAK-STAT pathway in emphysema condition, resulting in alveolar epithelium regeneration. Hence, ATRA may prove to be a potential drug in the treatment of emphysema

STATISTICAL ANALYSIS OF PART OF SPEECH (POS) TAGGING ALGORITHMS FOR ENGLISH CORPUS

Abstract-Part of speech (POS) Tagging is the procedure of allocating the portion of speech tag or supplementary philological class signal to every single and every single word in a sentence. In countless Usual Speech Processing presentations such as word intellect disambiguation, data recovery, data grasping, analyzing, interrogating, and contraption clarification, POS tagging is imitated as the one of the frank obligatory tool. Categorizing the uncertainties in speech philological items is the mystifying goal in the procedure of growing an effectual and correct POS Tagger. In this paper we difference the presentation of a insufficient POS tagging methods for Bangla speech, e.g. statistical way (n-gram, HMM) and perceptron established approach. A supervised POS tagging way needs a colossal number of annotated training corpus to tag properly. At this early period of POS-tagging for English. In this work we craft a earth truth set that encompasses tagged words from sampled corpus. We additionally investigated the presentation of POS taggers for disparate kinds of words. Keyboards: Part-of-speech tagging, HMM, Unigram, Perceptron. I. PART-OF-SPEECH TAGGING Part-of-speech tagging mentions to a procedure of allocating part-of-speech labels to words in a corpus. Frank part-of-speech labels contain such word classes as nouns, verbs and adjectives but the labelling procedure usually goes beyond that. Features such as singular/plural forms, grammatical gender and case are additionally considered. A part-of-speech tagger begins the tagging procedure by consulting a machine-readable lexicon to ascertain whether the word it has encountered is present in the lexicon. If it is present next a catalog of partof-speech tags that corresponds alongside the word is returned. A word could have countless probable labels, but in most cases it just has one. There are additionally periods after the tagger won't be able to find the word in the lexicon. If that's the case the tagger will normally tolerate by dispatching the word to the morphological analyzer. There it will endeavor to decompose the word and ascertain if it encompasses a morpheme ending. If it does the rest of the word will be matched after once more alongside the lexicon. If that match fails too next the final tagging will be reliant on the disambiguation procedure that follows next. The disambiguation procedure is vital both for words that have countless probable parts-of-speech in the lexicon as well as those that haven't been discovered in the lexicon at all. The disambiguation procedure is completed contrarily reliant on that kind of tagging algorithm that you use. There are three dominant kinds of tagging algorithms inside part-of-speech tagging, namely stochastic tagging, rule-based tagging and transformation-based tagging. The last merges features of the two preceding ones. II. CLASSIFICATION OF POS TAGGER A Part-Of-Speech Tagger (POS Tagger) is described as a portion of multimedia that assigns portions of speech to every single word of a speech that it reads. The ways of POS tagging can be tear into three categories; law established tagging, statistical tagging and hybri

Food Production and Post Harvest Losses of Food Grains in India

The prevention of food wasted is enough o resolves hunger crises hunger crises. Food is the primary need to sustains the of human being life. Although, many techniques are engages to increase to food production and prevents of hunger and malnutrition of population. Presently, we produce sufficient agriculture food production, by using irrigation, pesticides, chemical fertilizer and high yielding variety. But these, are not seem to meet the enough food demands of present and future population. To encounter the hunger and secure food and nutritional security to need increasing the production and productivity, by using limited resources in sustainable manner and ensure the security of natural resources. The increasing productivity is the obvious choice to supply of food to increasing population. The other alternate way to provided food of available and increased population, the maximum efficiency use of every unit of resources including preventing pre and post harvest losses from insect-pests and diseases, proper and scientific storage of agriculture produces. Because post harvest losses about 30 % of the crops due to this reason.  One third of total foods production annual wasted due to lack of proper infrastructure unscientific handling. The total food lost, wasted in each year in the more than which would be solving the four times hunger crises of population. In the present review article focused on production and losses of agricultural produces

Platelet in thrombo-inflammation: Unraveling new therapeutic targets

In the broad range of human diseases, thrombo-inflammation appears as a clinical manifestation. Clinically, it is well characterized in context of superficial thrombophlebitis that is recognized as thrombosis and inflammation of superficial veins. However, it is more hazardous when developed in the microvasculature of injured/inflamed/infected tissues and organs. Several diseases like sepsis and ischemia-reperfusion can cause formation of microvascular thrombosis subsequently leading to thrombo-inflammation. Thrombo-inflammation can also occur in cases of antiphospholipid syndrome, preeclampsia, sickle cell disease, bacterial and viral infection. One of the major contributors to thrombo-inflammation is the loss of normal anti-thrombotic and anti-inflammatory potential of the endothelial cells of vasculature. This manifest itself in the form of dysregulation of the coagulation pathway and complement system, pathologic platelet activation, and increased recruitment of leukocyte within the microvasculature. The role of platelets in hemostasis and formation of thrombi under pathologic and non-pathologic conditions is well established. Platelets are anucleate cells known for their essential role in primary hemostasis and the coagulation pathway. In recent years, studies provide strong evidence for the critical involvement of platelets in inflammatory processes like acute ischemic stroke, and viral infections like Coronavirus disease 2019 (COVID-19). This has encouraged the researchers to investigate the contribution of platelets in the pathology of various thrombo-inflammatory diseases. The inhibition of platelet surface receptors or their intracellular signaling which mediate initial platelet activation and adhesion might prove to be suitable targets in thrombo-inflammatory disorders. Thus, the present review summarizes the concept and mechanism of platelet signaling and briefly discuss their role in sterile and non-sterile thrombo-inflammation, with the emphasis on role of platelets in COVID-19 induced thrombo-inflammation. The aim of this review is to summarize the recent developments in deciphering the role of the platelets in thrombo-inflammation and discuss their potential as pharmaceutical targets

A case report on serous cyst fibroadenoma of ovary

A 16-year-old unmarried female patient presented to the Subharti hospital with a lump in her abdomen that had been there for one year. For the previous two months, there had been abdominal pain. Constipation, intermittent fever, and vomiting were all present. A mass of around 25×25 cm (approximately) was found on per-abdominal examination, which was firm in consistency, non-tender, afebrile to touch with smooth borders, and restricted mobility. On the basis of the above mentioned examination and investigation, a diagnosis of ovarian cyst with typhoid immunoglobulin G (IgG) and immunoglobulin M (IgM) positive, dengue IgG with hepatitis B surface antigen (HbsAg) positive was made

Palladium-unleashed proteins: gentle aldehyde decaging for site-selective protein modification

Protein bioconjugation frequently makes use of aldehydes as reactive handles, with methods for their installation being highly valued. Here a new, powerful strategy to unmask a reactive protein aldehyde is presented. A genetically encoded caged glyoxyl aldehyde, situated in solvent-accessible locations, can be rapidly decade through treatment with just one equivalent of allylpalladium(II) chloride dimer at physiological pH. The protein aldehyde can undergo subsequent oxime ligation for site-selective protein modification. Quick yet mild conditions, orthogonality and powerful exposed reactivity make this strategy of great potential in protein modification