Fraud problems in loan application assessment cause significant losses for finance companies worldwide, and much research has focused on machine learning methods to improve the efficacy of fraud detection in some financial domains. However, diverse information falsification in individual fraud...

The rapid development and widespread application of the new generation information technology has not only promoted innovation in traditional business models, but also has even created new business models and new industries. The free trial, as one of the new business models, has been utilized by...