The paper merges numerical and textual similarities in spectral clustering with a weight tuned on approved/rejected loan labels, yet the resulting 'recruitment implies lower risk' finding is contaminated by that same label information.
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Advanced spectral clustering for heterogeneous data in credit risk monitoring systems
The paper merges numerical and textual similarities in spectral clustering with a weight tuned on approved/rejected loan labels, yet the resulting 'recruitment implies lower risk' finding is contaminated by that same label information.