arXiv subjects

Mohammadamin Davoodabadi

Publications and source records attributed to Mohammadamin Davoodabadi.

2 recordsLinked to original sources

arXiv2026

TRUST-SCF: Transformer-based Risk Understanding and Scoring for Transactional Supply Chain Finance

Supply Chain Finance (SCF) and LendTech platforms need credit scoring systems that respond to evolving transaction behavior, repayment delays, and active exposure. We propose TRUST-SCF, a transformer-based framework for transaction-level risk prediction and dynamic credit scoring. Each user history is represented as a sequence of transaction tokens containing utilization, repayment delay and transaction position. The main contributions are: (1) a financially aligned attention bias that combines utilization similarity and recency, enabling the model to compare repayment behavior under comparable exposure conditions; (2) continuous repayment-delay prediction in a log-transformed target space, reducing the influence of extreme delays while improving sensitivity to short-delay behavior and (3) a label-efficient credit-scoring pipeline in which the final credit score is not trained using any explicit external credit-score label, but is instead derived from predicted delay, potential risk over simulated utilization, actual unpaid exposure, and nonlinear calibration. Experiments on real transaction data from more than 300,000 transactions show that TRUST-SCF improves delay prediction over sequential baselines and produces scores that are strongly associated with future repayment behavior. These results suggest that TRUST-SCF is a practical framework for adaptive credit scoring and transaction-level risk mitigation in SCF and LendTech environments.

cs.LG↗

arXiv2024

PreND: Enhancing Intrinsic Motivation in Reinforcement Learning through Pre-trained Network Distillation

Intrinsic motivation, inspired by the psychology of developmental learning in infants, stimulates exploration in agents without relying solely on sparse external rewards. Existing methods in reinforcement learning like Random Network Distillation (RND) face significant limitations, including (1) relying on raw visual inputs, leading to a lack of meaningful representations, (2) the inability to build a robust latent space, (3) poor target network initialization and (4) rapid degradation of intrinsic rewards. In this paper, we introduce Pre-trained Network Distillation (PreND), a novel approach to enhance intrinsic motivation in reinforcement learning (RL) by improving upon the widely used prediction-based method, RND. PreND addresses these challenges by incorporating pre-trained representation models into both the target and predictor networks, resulting in more meaningful and stable intrinsic rewards, while enhancing the representation learned by the model. We also tried simple but effective variants of the predictor network optimization by controlling the learning rate. Through experiments on the Atari domain, we demonstrate that PreND significantly outperforms RND, offering a more robust intrinsic motivation signal that leads to better exploration, improving overall performance and sample efficiency. This research highlights the importance of target and predictor networks representation in prediction-based intrinsic motivation, setting a new direction for improving RL agents' learning efficiency in sparse reward environments.

cs.LG↗