Credit Risk Modeling Using Transfer Learning and Domain Adaptation.

Recent progress in machine learning has been mainly due to the availability of large amounts of annotated data used for training complex models with deep architectures. Annotating this training data becomes burdensome and creates a major bottleneck in maintaining machine-learning databases. Moreover, these trained models fail to generalize to new categories or new varieties of the same categories. This is because new categories or new varieties have data distribution different from the training data distribution. To tackle these problems, this thesis proposes to develop a family of transfer-learning techniques that can deal with different training (source) and testing (target) distributions with the assumption that the availability of annotated data is limited in the testing domain. This is done by using the auxiliary data-abundant source domain from which useful knowledge is transferred that can be applied to data-scarce target domain. This transferable knowledge serves as a prior that biases target-domain predictions and prevents the target-domain model from overfitting. Specifically, we explore structural priors that encode relational knowledge between different data entities, which provides more informative bias than traditional priors. The choice of the structural prior depends on the information availability and the similarity between the two domains. Depending on the domain similarity and the information availability, we divide the transfer learning problem into four major categories and propose different structural priors to solve each of these sub-problems. This thesis first focuses on the unsupervised-domain-adaptation problem, where we propose to minimize domain discrepancy by transforming labeled source-domain data to be close to unlabeled target-domain data. For this problem, the categories remain the same across the two domains and hence we assume that the structural relationship between the source-domain samples is carried over to the target domain. Thus, graph or hyper-graph is constructed as the structural prior from both domains and a graph/hyper-graph matching formulation is used to transform samples in the source domain to be closer to samples in the target domain. An efficient optimization scheme is then proposed to tackle the time and memory inefficiencies associated with the matching problem. The few-shot learning problem is studied next, where we propose to transfer knowledge from source-domain categories containing abundantly labeled data to novel categories in the target domain that contains only few labeled data. The knowledge transfer biases the novel category predictions and prevents the model from overfitting. The knowledge is encoded using a neural-network-based prior that transforms a data sample to its corresponding class prototype. This neural network is trained from the source-domain data and applied to the target-domain data, where it transforms the few-shot samples to the novel-class prototypes for better recognition performance. The few-shot learning problem is then extended to the situation, where we do not have access to the source-domain data but only have access to the source-domain class prototypes. In this limited information setting, parametric neural-network-based priors would overfit to the source-class prototypes and hence we seek a non-parametric-based prior using manifolds. A piecewise linear manifold is used as a structural prior to fit the source-domain-class prototypes. This structure is extended to the target domain, where the novel-class prototypes are found by projecting the few-shot samples onto the manifold. Finally, the zero-shot learning problem is addressed, which is an extreme case of the few-shot learning problem where we do not have any labeled data in the target domain. However, we have high-level information for both the source and target domain categories in the form of semantic descriptors. We learn the relation between the sample space and the semantic space, using a regularized neural network so that classification of the novel categories can be carried out in a common representation space. This same neural network is then used in the target domain to relate the two spaces. In case we want to generate data for the novel categories in the target domain, we can use a constrained generative adversarial network instead of a traditional neural network. Thus, we use structural priors like graphs, neural networks and manifolds to relate various data entities like samples, prototypes and semantics for these different transfer learning sub-problems. We explore additional post-processing steps like pseudo-labeling, domain adaptation and calibration and enforce algorithmic and architectural constraints to further improve recognition performance. Experimental results on standard transfer learning image recognition datasets produced competitive results with respect to previous work. Further experimentation and analyses of these methods provided better understanding of machine learning as well.

In pattern classification, we may have a few labeled data points in the target domain, but a number of labeled samples are available in another related domain (called the source domain). Transfer learning can solve such classification problems via the knowledge transfer from source to target domains. The source and target domains can be represented by heterogeneous features. There may exist uncertainty in domain transformation, and such uncertainty is not good for classification. The effective management of uncertainty is important for improving classification accuracy. So, a new belief-based bidirectional transfer classification (BDTC) method is proposed. In BDTC, the intraclass transformation matrix is estimated at first for mapping the patterns from source to target domains, and this matrix can be learned using the labeled patterns of the same class represented by heterogeneous domains (features). The labeled patterns in the source domain are transferred to the target domain by the corresponding transformation matrix. Then, we learn a classifier using all the labeled patterns in the target domain to classify the objects. In order to take full advantage of the complementary knowledge of different domains, we transfer the query patterns from target to source domains using the K-NN technique and do the classification task in the source domain. Thus, two pieces of classification results can be obtained for each query pattern in the source and target domains, but the classification results may have different reliabilities/weights. A weighted combination rule is developed to combine the two classification results based on the belief functions theory, which is an expert at dealing with uncertain information. We can efficiently reduce the uncertainty of transfer classification via the combination strategy. Experiments on some domain adaptation benchmarks show that our method can effectively improve classification accuracy compared with other related methods.

The concept of transfer learning has received a great deal of concern and interest throughout the last decade. Selecting an ideal representational framework for instances of various domains to minimize the divergence among source and target domains is a fundamental research challenge in representative transfer learning. The domain adaptation approach is designed to learn more robust or higher-level features, required in transfer learning. This paper presents a novel transfer learning framework that employs a marginal probability-based domain adaptation methodology followed by a deep autoencoder. The proposed frame adapts the source and target domain by plummeting distribution deviation between the features of both domains. Further, we adopt the deep neural network process to transfer learning and suggest a supervised learning algorithm based on encoding and decoding layer architecture. Moreover, we have proposed two different variants of the transfer learning techniques for classification, which are termed as (i) Domain adapted transfer learning with deep autoencoder-1 (D-TLDA-1) using the linear regression and (ii) Domain adapted transfer learning with deep autoencoder-2 (D-TLDA-2) using softmax regression. Simulations have been conducted with two popular real-world datasets: ImageNet datasets for image classification problem and 20_Newsgroups datasets for text classification problem. Experimental findings have established and the resulting improvements in accuracy measure of classification shows the supremacy of the proposed D-TLDA framework over prominent state-of-the-art machine learning and transfer learning approaches.

PurposeThe study aims to cope with the problems confronted in the skin lesion datasets with less training data toward the classification of melanoma. The vital, challenging issue is the insufficiency of training data that occurred while classifying the lesions as melanoma and non-melanoma.Design/methodology/approachIn this work, a transfer learning (TL) framework Transfer Constituent Support Vector Machine (TrCSVM) is designed for melanoma classification based on feature-based domain adaptation (FBDA) leveraging the support vector machine (SVM) and Transfer AdaBoost (TrAdaBoost). The working of the framework is twofold: at first, SVM is utilized for domain adaptation for learning much transferrable representation between source and target domain. In the first phase, for homogeneous domain adaptation, it augments features by transforming the data from source and target (different but related) domains in a shared-subspace. In the second phase, for heterogeneous domain adaptation, it leverages knowledge by augmenting features from source to target (different and not related) domains to a shared-subspace. Second, TrAdaBoost is utilized to adjust the weights of wrongly classified data in the newly generated source and target datasets.FindingsThe experimental results empirically prove the superiority of TrCSVM than the state-of-the-art TL methods on less-sized datasets with an accuracy of 98.82%.Originality/valueExperiments are conducted on six skin lesion datasets and performance is compared based on accuracy, precision, sensitivity, and specificity. The effectiveness of TrCSVM is evaluated on ten other datasets towards testing its generalizing behavior. Its performance is also compared with two existing TL frameworks (TrResampling, TrAdaBoost) for the classification of melanoma.

Population-based structural health monitoring (PBSHM) involves utilising knowledge from one set of structures in a population and applying it to a different set, such that predictions about the health states of each member in the population can be performed and improved. Central ideas behind PBSHM are those of knowledge transfer and mapping. In the context of PBSHM, knowledge transfer involves using information from a structure, defined as a source domain, where labels are known for a given feature, and mapping these onto the unlabelled feature space of a different, target domain structure. If the mapping is successful, a machine learning classifier trained on the transformed source domain data will generalise to the unlabelled target domain data; i.e. a classifier built on one structure will generalise to another, making Structural Heath Monitoring (SHM) cost-effective and applicable to a wide range of challenging industrial scenarios. This process of mapping features and labels across source and target domains is defined as domain adaptation, a subcategory of transfer learning. However, a key assumption in conventional domain adaptation methods is that there is consistency between the feature and label spaces. This means that the features measured from one structure must be the same dimension as the other (i.e. the same number of spectral lines of a transmissibility), and that labels associated with damage locations, classification and assessment, exist on both structures. These consistency constraints can be restrictive, limiting to which types of population domain adaptation can be applied. This paper, therefore, provides a mathematical underpinning for when domain adaptation is possible in a structural dynamics context, with reference to topology of a graphical representation of structures. By defining when conventional domain adaptation is applicable in a structural dynamics setting, approaches are discussed that could overcome these consistency restrictions. This approach provides a general means for performing transfer learning within a PBSHM context for structural dynamics-based features.KeywordsPopulation-based structural health monitoringTransfer learningDomain adaptation

In an indoor positioning system (IPS), transfer learning (TL) methods are commonly used to predict the location of mobile devices under the assumption that all training instances of the target domain are given in advance. However, this assumption has been criticized for its shortcomings in dealing with the problem of signal distribution variations, especially in a dynamic indoor environment. The reasons are: collecting a sufficient number of training instances is costly, the training instances may arrive online, the feature spaces of the target and source domains may be different, and negative knowledge may be transferred in the case of a redundant source domain. In this work, we proposed an online heterogeneous transfer learning (OHetTLAL) algorithm for IPS-based RSS fingerprinting to improve the positioning performance in the target domain by fusing both source and target domain knowledge. The source domain was refined based on the target domain to avoid negative knowledge transfer. The co-occurrence measure of the feature spaces (Cmip) was used to derive the homogeneous new feature spaces, and the features with higher weight values were selected for training the classifier because they could positively affect the location prediction of the target. Thus, the objective function was minimized over the new feature spaces. Extensive experiments were conducted on two real-world scenarios of datasets, and the predictive power of the different modeling techniques were evaluated for predicting the location of a mobile device. The results have revealed that the proposed algorithm outperforms the state-of-the-art methods for fingerprint-based indoor positioning and is found robust to changing environments. Moreover, the proposed algorithm is not only resilient to fluctuating environments but also mitigates the model's overfitting problem.

Open set transfer learning through distribution driven active learning

Recently, transfer learning, and especially domain adaptation (DA), has been introduced to the cross-scene remote sensing image scene classification task. The existing DA approaches for the remote sensing image built on the hypothesis that the source domain and target domain share identical category spaces. However, in a new region, novel categories may appear. Open-set domain adaptation (OSDA) methods is proposed to solve such problems. Existing OSDA methods need to determine the thresholds or other hyper-parameters (such as number of unknown sample) to detect novel classes. In this paper, an end-to-end open-set domain adaptation for cross scene classification (OSDA_CSC) framework is proposed to solve these problems. In this framework, to overcome the different feature distributions caused by the different class spaces and the feature discriminability decrease in the remote sensing OSDA scenario, we propose an unknown-class detector using a one-vs-all network considering class distances to find the unknown classes in the target domain. We also introduce target domain neighbourhood clustering loss to improve the target domain feature discriminability. The proposed method can improve cross-scene classification and automatically label the unknown class samples in the target domain.

This paper addresses the problem of land-cover map updating by classification of multitemporal remote-sensing images in the context of domain adaptation (DA). The basic assumptions behind the proposed approach are twofold. The first one is that training data (ground reference information) are available for one of the considered multitemporal acquisitions (source domain) whereas they are not for the other (target domain). The second one is that multitemporal acquisitions (i.e., target and source domains) may be characterized by different sets of classes. Unlike other approaches available in the literature, the proposed DA Bayesian classifier based on maximum a posteriori decision rule (DA-MAP) automatically identifies whether there exist differences between the set of classes in the target and source domains and properly handles these differences in the updating process. The proposed method was tested in different scenarios of increasing complexity related to multitemporal image classification. Experimental results on medium-resolution and very high resolution multitemporal remote-sensing data sets confirm the effectiveness and the reliability of the proposed DA-MAP classifier.

Unsupervised domain adaptation aims to transfer knowledge from labeled source domain to unlabeled target domain. Recently, multisource domain adaptation (MDA) has begun to attract attention. Its performance should go beyond simply mixing all source domains together for knowledge transfer. In this article, we propose a novel prototype-based method for MDA. Specifically, for solving the problem that the target domain has no label, we use the prototype to transfer the semantic category information from source domains to target domain. First, a feature extraction network is applied to both source and target domains to obtain the extracted features from which the domain-invariant features and domain-specific features will be disentangled. Then, based on these two kinds of features, the named inherent class prototypes and domain prototypes are estimated, respectively. Then a prototype mapping to the extracted feature space is learned in the feature reconstruction process. Thus, the class prototypes for all source and target domains can be constructed in the extracted feature space based on the previous domain prototypes and inherent class prototypes. By forcing the extracted features are close to the corresponding class prototypes for all domains, the feature extraction network is progressively adjusted. In the end, the inherent class prototypes are used as a classifier in the target domain. Our contribution is that through the inherent class prototypes and domain prototypes, the semantic category information from source domains is transformed into the target domain by constructing the corresponding class prototypes. In our method, all source and target domains are aligned twice at the feature level for better domain-invariant features and more closer features to the class prototypes, respectively. Several experiments on public data sets also prove the effectiveness of our method.

The concept of Industry 4.0 uses cyber-physical systems and the Internet of Things to create "smart factories" that enable automated and connected production. However, the complex and diverse nature of cyber-physical systems makes them vulnerable to physical threats, where any fault in their physical components can lead to serious consequences, from financial losses to human safety. To reduce the risk of such failures, it is essential to have techniques in place to monitor the condition of these physical components closely. In recent years, data-driven predictive maintenance methods have become common due to the growth in data and advancements in machine learning. This thesis focuses on fault diagnosis, a key part of predictive maintenance, which aims to detect and identify faults in physical components. Incorporating advanced techniques, including machine learning algorithms and sensor data analysis, enhanced fault diagnosis systems' accuracy and efficiency. However, several real-world barriers challenge the effectiveness of these techniques. This research is structured around three primary objectives. The first objective aims to establish an efficient fault diagnosis system that is highly sensitive to fault occurrences while being resilient to uncertainties such as variability in fault patterns and data imbalance. To address variability in fault patterns, we developed a multi-step approach integrating clustering techniques and an adaptive neuro-fuzzy inference system, which significantly improved diagnosis robustness even under noisy conditions. For imbalanced datasets, a two-step method was introduced, combining permutation entropy for fault detection and envelope analysis for fault isolation. This approach was enhanced by an automatic frequency band selection method leveraging wavelet transform and statistical criteria, resulting in high fault diagnosis accuracy and reliability, even with limited labeled faulty data. The second objective focuses on developing fault diagnosis systems that can maintain high performance despite domain shifts and limited training data in both source and target domains. To address the challenge of domain shifts, a transfer learning technique was introduced, and a systematic literature review was conducted. This study bridges a technical gap by providing a comprehensive taxonomy, state-of-the-art methods, and insights into the challenges of applying transfer learning to predictive maintenance. Additionally, a conceptual framework was proposed to explore scenarios for transferring diagnostic knowledge from different source domains to target domains with insufficient training datasets. In a subsequent study, a new diagnostic framework was developed using digital twins and partial transfer learning to address the lack of real training datasets in both source and target domains as well as label space inconsistencies between them. The framework includes a general approach for developing digital twins of real machines to generate synthetic diagnostic data as source domain data. Furthermore, by incorporating a deep learning network and a double-layer attention mechanism, a partial transfer learning diagnostic model was developed to transfer diagnostic knowledge from the digital twin to the real target domain despite label space inconsistencies. The proposed framework was validated through an industrial case study involving rolling bearings in rotating equipment. The third objective focuses on developing an efficient fault diagnosis system capable of maintaining reliability under unseen and evolving working conditions. To achieve this, a novel self-adaptive fault diagnosis system was proposed, incorporating the MAPE-K loop, a domain generalization network model, and digital twin technologies. This self-adaptive fault diagnosis system leverages the MAPE-K loop to adapt in real time to evolving working conditions. Digital twins were employed to continuously generate data aligned with the real system’s operational context, enabling accurate fault diagnosis in dynamic environments. The domain generalization network model enhances generalization to unseen target working conditions by addressing overfitting and feature loss through multi-domain data augmentation, adversarial learning, and domain discrepancy modules. Validation using multiple rotating machinery datasets demonstrated that the developed fault diagnosis system outperformed state-of-the-art methods across various scenarios. In summary, this dissertation proposes a comprehensive and practical approach to addressing variability in fault patterns, imbalance datasets, data scarcity, domain shifts, and unseen and evolving working conditions challenges in existing fault diagnosis systems.

Multi-source adversarial transfer learning for ultrasound image segmentation with limited similarity

Multisource unsupervised domain adaptation (MUDA) is an important and challenging topic for target classification with the assistance of labeled data in source domains. When we have several labeled source domains, it is difficult to map all source domains and target domain into a common feature space for classifying the targets well. In this article, a new progressive multisource domain adaptation network (PMSDAN) is proposed to further improve the classification performance. PMSDAN mainly consists of two steps for distribution alignment. First, the multiple source domains are integrated as one auxiliary domain to match the distribution with the target domain. By doing this, we can generally reduce the distribution discrepancy between each source and target domains, as well as the discrepancy between different source domains. It can efficiently explore useful knowledge from the integrated source domain. Second, to mine assistance knowledge from each source domain as much as possible, the distribution of the target domain is separately aligned with that of each source domain. A weighted fusion method is employed to combine the multiple classification results for making the final decision. In the optimization of domain adaption, weighted hybrid maximum mean discrepancy (WHMMD) is proposed, and it considers both the interclass and intraclass discrepancies. The effectiveness of the proposed PMSDAN is demonstrated in the experiments comparing with some state-of-the-art methods.

In the absence of the labeled samples in a domain referred to as target domain, Domain Adaptation (DA) techniques come in handy. Generally, DA techniques assume there are available source domains that share similar predictive function with the target domain. Two core challenges of DA typically arise, variance that exists between source and target domains, and the inherent source hypothesis bias. In this paper, we first propose a Stability Transfer criterion for selecting relevant source domains with low variance. With this criterion, we introduce a TARget learning Assisted by Source Classifier Adaptation (TARASCA) method to address the two core challenges that have impeded the performances of DA techniques. To verify the robustness of TARASCA, extensive experimental studies are carried out with comparison to several state-of-the-art DA methods on the real-world Sentiment and Newsgroups datasets, where various settings for the class ratios of the source and target domains are considered.

Congratulations to Professor Helland on the elegant development of optimal partial least squares (PLS) regression, which reconceptualizes model reduction through the geometry of group actions and Hilbert spaces. Within this framework, PLS identifies a lower-dimensional subspace of functions that is provably optimal among all m $$ m $$ -dimensional reductions under specified covariance or spectral conditions. This rigorous notion of optimality naturally raises the question: can an analogous concept be established for domain adaptation (Ganin et al., 2016; He et al., 2024; Luo et al., 2025)., a technique that has recently attracted significant attention in modern machine learning? To make the context of domain adaptation concrete, consider a simple example. Suppose we want to classify images of cats and dogs. In the source domain S $$ S $$ , we observe clean images; in the target domain T $$ T $$ , the same cats and dogs appear, but all images are rotated by arbitrary angles. A classifier trained on S $$ S $$ may fail badly in T $$ T $$ , because the marginal distributions of pixels, say, f S $$ {f}_S $$ and f T $$ {f}_T $$ , differ drastically. Yet the domains share invariant predictive features, such as those extracted by convolutional pooling layers that ignore rotations. If we can find a representation map h : 𝒳 → 𝒵 that captures these invariants, then prediction becomes possible across domains. This rotation example highlights the central challenge of domain adaptation: although f S $$ {f}_S $$ and f T $$ {f}_T $$ differ, a representation h $$ h $$ may capture outcome-relevant invariants across domains. The key question is whether one can rigorously define an optimal representation, balancing predictive accuracy with invariance, analogous to how PLS identifies optimal subspaces in regression. Moreover, what does it mean for a representation h $$ h $$ to be “optimal” for domain adaptation. This matters because, without a formal notion of optimality, existing methods such as adversarial training can only propose candidate solutions without offering a principled benchmark. The challenge arises from the fact that the distributions of x $$ \mathbf{x} $$ may differ arbitrarily across domains, making direct transfer of models infeasible and requiring careful extraction of predictive features that remain invariant. Helland's symmetry-based framework provides precisely the right tools for this task: group actions, Hilbert spaces, and invariance measures that together define optimality in rigorous geometric terms. In practice, adversarial training (Ganin et al., 2016) enforces h # f S ≈ h # f T $$ {h}_{\#}{f}_S\approx {h}_{\#}{f}_T $$ by jointly training a domain discriminator to distinguish between h # f S $$ {h}_{\#}{f}_S $$ and h # f T $$ {h}_{\#}{f}_T $$ and a representation map h $$ h $$ to both confuse the discriminator and minimize prediction loss on the source domain; however, optimality was not addressed. Our formulation (1), grounded in Helland's geometry, provides the missing rigor by defining “optimal” invariant representations as solutions to constrained optimization problems, in the same way that PLS characterizes optimal subspaces. In sum, the challenge in domain adaptation is that source and target domains differ in their raw covariates x $$ \mathbf{x} $$ , making direct transfer infeasible and necessitating extraction of invariant predictive features z $$ \mathbf{z} $$ . By embedding this problem into Helland's symmetry-based framework, we obtain a principled notion of optimality, that is, minimizing prediction risk subject to distributional invariance. This new formulation replaces heuristic criteria with a precise benchmark for optimality, clarifying why some representations are preferable and enabling fair comparison across methods. This also demonstrates the novel applicability of Helland's framework to modern machine learning. The article was supported by National Institutes of Health under grants R01CA249096 and R01CA269398. The authors declare no conflicts of interest. Data sharing not applicable to this article as no datasets were generated or analyzed during the current study.