Class-Imbalanced-Aware Adaptive Dataset Distillation for Scalable Pretrained Model on Credit Scoring

ArXi:2501.10677v3 Announce Type: replace-cross The advent of artificial intelligence has significantly enhanced credit scoring technologies. Despite the remarkable efficacy of advanced deep learning models, mainstream adoption continues to favor tree-structured models due to their robust predictive performance on tabular data. Although pretrained models have seen considerable development, their application within the financial realm predominantly revolves around question-answering tasks and the use of such models for tabular-structured credit scoring datasets remains largely unexplored.