Author

Danmei Zhu

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Open access Aug 2026

Decoupled focal loss and bayesian temperature fusion XGBoost for imbalanced credit card fraud detection

This study proposes the FL-XGB Fusion framework, which adopts a decoupled warm-up scheduling strategy for Focal Loss—an adaptive class balancing coefficient α targeting the empirical fraud rate, and a progressively increasing focusing parameter γ preventing premature suppression of hard examples—together with a Bayesia...

Jia-Xin Yang, Danmei Zhu, Zai-Chao Wang et al. · Scientific Reports · 0 citations