{"id":7512,"date":"2025-02-26T08:44:48","date_gmt":"2025-02-26T08:44:48","guid":{"rendered":"https:\/\/scai.kibu.ac.ke\/?p=7512"},"modified":"2025-12-24T01:16:46","modified_gmt":"2025-12-24T01:16:46","slug":"risk-scoring-using-fuzzy-bandits-with-knapsacks","status":"publish","type":"post","link":"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/","title":{"rendered":"Risk Scoring using Fuzzy Bandits with Knapsacks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7512\" class=\"elementor elementor-7512\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a45b0da elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-section-height-default\" data-id=\"3a45b0da\" data-element_type=\"section\" id=\"ourgoal\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41c9df7b\" data-id=\"41c9df7b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35374c75 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"35374c75\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Risk Scoring using Fuzzy Bandits with Knapsacks<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3383cce7 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"3383cce7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2da84072\" data-id=\"2da84072\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4617aa1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4617aa1b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1f018cab elementor-invisible\" data-id=\"1f018cab\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d074006 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"d074006\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2022<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-232b3b06 elementor-invisible\" data-id=\"232b3b06\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d3daf7 elementor-widget elementor-widget-heading\" data-id=\"9d3daf7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">KIBU Authors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1499e0ee elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1499e0ee\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Franklin Wabwoba<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3cd1a52e elementor-invisible\" data-id=\"3cd1a52e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c11a940 elementor-tablet-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"5c11a940\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/zenodo.org\/records\/7514535\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW ON PUBLISHER SITE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-25b94609 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25b94609\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4ae54b4b elementor-invisible\" data-id=\"4ae54b4b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f72fff1 elementor-widget elementor-widget-heading\" data-id=\"5f72fff1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c4c9d05 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"2c4c9d05\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bandits with Knapsacks (BwK) is a MultiArmed Bandit (MAB) problem under supply\/budget constraints. Risk scoring is a typical limited-resource problem and as such can be modeled as a BwK problem. This paper tries to solve the triple problem in risk scoring \u2013 accuracy, fairness, and auditability by proposing FuzzyBwK application in risk scoring. Theoretical assessment of FuzzyBwK is made to establish whether the regret function would perform better than StochasticBwK and AdversarialBwK functions. An empirical experiment is then set with secondary data (Australian and German credit data) and primary data (Kakamega insurance data) to determine whether the algorithm proposed would be fit for the proposed problem. The results show that the proposed algorithm has optimal regret function and from the empirical test, the algorithm satisfies the test of accuracy, fairness and auditability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>2022 KIBU Authors Franklin Wabwoba VIEW ON PUBLISHER SITE Abstract Bandits with Knapsacks (BwK) is a MultiArmed Bandit (MAB) problem under supply\/budget constraints. Risk scoring is a typical limited-resource problem and as such can be modeled as a BwK problem. This paper tries to solve the triple problem in risk scoring \u2013 accuracy, fairness, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-7512","post","type-post","status-publish","format-standard","hentry","category-research-list"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risk Scoring using Fuzzy Bandits with Knapsacks - School of Computing &amp; Informatics<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risk Scoring using Fuzzy Bandits with Knapsacks - School of Computing &amp; Informatics\" \/>\n<meta property=\"og:description\" content=\"2022 KIBU Authors Franklin Wabwoba VIEW ON PUBLISHER SITE Abstract Bandits with Knapsacks (BwK) is a MultiArmed Bandit (MAB) problem under supply\/budget constraints. Risk scoring is a typical limited-resource problem and as such can be modeled as a BwK problem. This paper tries to solve the triple problem in risk scoring \u2013 accuracy, fairness, and [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/\" \/>\n<meta property=\"og:site_name\" content=\"School of Computing &amp; Informatics\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-26T08:44:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-24T01:16:46+00:00\" \/>\n<meta name=\"author\" content=\"kibabii\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"kibabii\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/\"},\"author\":{\"name\":\"kibabii\",\"@id\":\"https:\/\/kibu.ac.ke\/scai\/#\/schema\/person\/f24ef483cba6d32518303e5d7f89741d\"},\"headline\":\"Risk Scoring using Fuzzy Bandits with Knapsacks\",\"datePublished\":\"2025-02-26T08:44:48+00:00\",\"dateModified\":\"2025-12-24T01:16:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/\"},\"wordCount\":148,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/kibu.ac.ke\/scai\/#organization\"},\"articleSection\":[\"Research List\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/\",\"url\":\"https:\/\/kibu.ac.ke\/scai\/risk-scoring-using-fuzzy-bandits-with-knapsacks\/\",\"name\":\"Risk Scoring using Fuzzy Bandits with Knapsacks - School of Computing &amp; 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