Research on market consumption prediction based on machine learning

With the rapid development of artificial intelligence industry and big data technology in recent years, the traditional financial industry has gradually transformed into fintech. China Merchants Bank Credit Card Center proposes to rely on data to predict whether users will buy the Pocket Life APP coupons as a practical business scenario. Based on this practical problem, a variety of machine learning methods are used, including logistic regression, random forest. Xgboost, LightGBM, to explore this problem. Finally, an integrated learning method is used to fuse the final result. This paper uses the above several algorithm models for prediction. The model principle is analyzed, and the performance of each model is measured on multiple evaluation indicators. The advantages and disadvantages of different models are compared horizontally, and the reasons for the difference in results are summarized.

Diversity and inclusion by design: best practices from six global companies

Purpose – The purpose of this paper is to share best practices for diversity and inclusion from six global companies and to make the business case for its importance. Design/methodology/approach – In-depth interviews were conducted with diversity and inclusion leaders in the USA from Volkswagen, Sodexo Health Care and Government Services, Sanofi, L'Oreal, BASF North America, and China Merchants Bank New York. Findings – Key findings related to the importance of tailoring global diversity and inclusion strategies and programs to local needs; embedding practices throughout the organization; multiplying impact through external partnerships and leveraging this as a source of innovation. Research limitations/implications – The article provides a range of diversity and inclusion best practices that can be adapted by different organizations, as multiple industries (including pharmaceuticals, banking, automotive, etc.) are included. However, the findings do not represent a comprehensive picture of all global diversity and inclusion best practices. Practical implications – The article provides a range of diversity and inclusion best practices that can be used to benchmark other organizational practices and to add new programs and initiatives for better D&I impact. Originality/value – This is a fully original paper which combines secondary research with illustrative quotes.