The main aim of a credit scoring model is the classification of the loan customers into two classes, reliable and unreliable customers, on the basis of their potential capability to keep up with their repayments. Nowadays, credit scoring models are increasingly in demand, due to the consumer credit growth. Such models are usually designed on the basis of the past loan applications and used to e...

Background: To determine whether random-start controlled ovarian stimulation (COS), in which a stimulation is performed regardless to day of patient’s menstrual cycle, has similar outcomes in comparison to conventional early follicular phase-start COS for cryopreservation of fertilized oocytes in cancer patients. Materials and Methods: This prospective study was performed at two infertility cen...

A recommender system is a commonly used technique to improve user experience in e-commerce applications. One of the popular recommender methods is Matrix Factorization (MF) that learns the latent profile of both users and items. However, if the historical ratings are not available, the latent profile will draw from a zero-mean Gaussian prior, resulting in uninformative recommendations. To deal ...

Recommender systems are increasingly driving user experiences on the Internet. This personalization is often achieved through the factorization of a large but sparse observation matrix of user-item feedback signals. In instances where the user's social network is known, its inclusion can significantly improve recommendations for cold start users. There are numerous ways in which the network can...