ABSTRACT
In the current business scenario, real-time analysis of enterprise data through Business Intelligence (BI) is crucial for supporting operational activities and taking any strategic decision. The automated ETL (extraction, transformation, and load) process ensures data ingestion into the data warehouse in near real-time, and insights are generated through the BI process based on real-time data. In this paper, we have concentrated on automated credit risk assessment in the financial domain based on the machine learning approach. The machine learning-based classification techniques can furnish a self-regulating process to categorize data. Establishing an automated credit decision-making system helps the lending institution to manage the risks, increase operational efficiency and comply with regulators. In this paper, an empirical approach is taken for credit risk assessment using logistic regression and neural network classification method in compliance with Basel II standards. Here, Basel II standards are adopted to calculate the expected loss. The required data integration for building machine learning models is done through an automated ETL process. We have concluded this research work by evaluating this new methodology for credit risk assessment.
ABSTRACT
BACKGROUND: Systems biology and network modeling represent, nowadays, the hallmark approaches for the development of predictive and targeted-treatment based precision medicine. The study of health and disease as properties of the human body system allows the understanding of the genotype-phenotype relationship through the definition of molecular interactions and dependencies. In this scenario, metabolism plays a central role as its interactions are well characterized and it is considered an important indicator of the genotype- phenotype associations. In metabolic systems biology, the genome-scale metabolic models are the primary scaffolds to integrate multi-omics data as well as cell-, tissue-, condition- specific information. Modeling the metabolism has both investigative and predictive values. Several methods have been proposed to model systems, which involve steady-state or kinetic approaches, and to extract knowledge through machine and deep learning. METHODS: This review collects, analyzes, and compares the suitable data and computational approaches for the exploration of metabolic networks as tools for the development of precision medicine. To this extent, we organized it into three main sections: "Data and Databases", "Methods and Tools", and "Metabolic Networks for medicine". In the first one, we have collected the most used data and relative databases to build and annotate metabolic models. In the second section, we have reported the state-of-the-art methods and relative tools to reconstruct, simulate, and interpret metabolic systems. Finally, we have reported the most recent and innovative studies that exploited metabolic networks to study several pathological conditions, not only those directly related to metabolism. CONCLUSION: We think that this review can be a guide to researchers of different disciplines, from computer science to biology and medicine, in exploring the power, challenges and future promises of the metabolism as predictor and target of the so-called P4 medicine (predictive, preventive, personalized and participatory).
