May 9, 2023 · Artificial Intelligence

Graph Machine Learning for Credit Risk Management: Algorithms, Systems, and Applications at Ant Group

This article presents Ant Group's use of graph machine learning for credit risk management, covering the background of small‑business lending, the proprietary AGL graph learning algorithms and system architecture, and detailed applications such as supply‑chain risk analysis, GMV prediction, and temporal graph‑based credit scoring.

Temporal GNNgraph learning

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Graph Machine Learning for Credit Risk Management: Algorithms, Systems, and Applications at Ant Group