SSH-T 3 : A Hierarchical Pre-training Framework for Multi-Scenario Financial Risk Assessment

Résumé fourni par la source

Efficiently modeling user behavior on online payment platforms is crucial for accurately identifying potential financial risks. With the rapid growth of online payment platforms, the volume of user transaction data has significantly increased. Moreover, users' payment behaviors often encompass diverse activities and interactions across multiple scenarios. Based on observations from online payment platforms, we identify three key challenges: scarce labels and poor representation robustness, long user payment behavior sequences, and complex and heterogeneous amount-aware scenarios.

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