arXiv:2504.12319cs.IRcs.AI2025-04被引 3

针对法语银行交易文本,构建专用分类系统提升理解与风控能力。

Specialized text classification: an approach to classifying Open Banking transactions

  • 基于法语银行数据,融合语言特性与领域知识定制分类模型。
  • 在专有语料上表现优于通用方法,提升分类准确率与效率。
  • 适合金融科技、银行风控及个性化服务场景使用。

欧盟《支付服务指令2》(PSD2)推动开放银行框架落地,为银行与金融科技公司提供了通过自然语言处理深化客户行为理解的机遇,可用于欺诈检测、风险控制及定制化服务。尽管近年来自然语言处理技术取得显著进展,但面向特定领域(如银行业)的专用文本分类仍缺乏有效解决方案,尤其在法语语境下。本文提出一种面向法语开放银行交易的文本分类系统,涵盖数据收集、标注、预处理、建模与评估全流程。不同于以往通用分类方法,该系统针对银行法语文本特点,融合语言特性和领域知识,显著提升了模型性能与效率,验证了专用语料下定制化方案的有效性。

原文摘要 · Abstract (English)

With the introduction of the PSD2 regulation in the EU which established the Open Banking framework, a new window of opportunities has opened for banks and fintechs to explore and enrich Bank transaction descriptions with the aim of building a better understanding of customer behavior, while using this understanding to prevent fraud, reduce risks and offer more competitive and tailored services. And although the usage of natural language processing models and techniques has seen an incredible progress in various applications and domains over the past few years, custom applications based on domain-specific text corpus remain unaddressed especially in the banking sector. In this paper, we introduce a language-based Open Banking transaction classification system with a focus on the french market and french language text. The system encompasses data collection, labeling, preprocessing, modeling, and evaluation stages. Unlike previous studies that focus on general classification approaches, this system is specifically tailored to address the challenges posed by training a language model with a specialized text corpus (Banking data in the French context). By incorporating language-specific techniques and domain knowledge, the proposed system demonstrates enhanced performance and efficiency compared to generic approaches.

文本分类开放银行法语NLP金融风控

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