4 years ago, I built and compared several classification models to predict loan applicants as Creditworthy or Non-Creditworthy. After performing data cleansing, handling missing values, and tuning parameters, I evaluated the models using precision, recall, and F1-score.
🔍 The Random Forest Classifier stood out with an AUC of 80% and an accuracy of 79%, successfully classifying 418 loans as Creditworthy and 82 as Non-Creditworthy.
4 years ago, I built and compared several classification models to predict loan applicants as Creditworthy or Non-Creditworthy. After performing data cleansing, handling missing values, and tuning parameters, I evaluated the models using precision, recall, and F1-score.
🔍 The Random Forest Classifier stood out with an AUC of 80% and an accuracy of 79%, successfully classifying 418 loans as Creditworthy and 82 as Non-Creditworthy.
Telegram does offer end-to-end encrypted communications through Secret Chats, but this is not the default setting. Standard conversations use the MTProto method, enabling server-client encryption but with them stored on the server for ease-of-access. This makes using Telegram across multiple devices simple, but also means that the regular Telegram chats you’re having with folks are not as secure as you may believe. But the Ukraine Crisis Media Center's Tsekhanovska points out that communications are often down in zones most affected by the war, making this sort of cross-referencing a luxury many cannot afford. Unlike Silicon Valley giants such as Facebook and Twitter, which run very public anti-disinformation programs, Brooking said: "Telegram is famously lax or absent in its content moderation policy." The S&P 500 fell 1.3% to 4,204.36, and the Dow Jones Industrial Average was down 0.7% to 32,943.33. The Dow posted a fifth straight weekly loss — its longest losing streak since 2019. The Nasdaq Composite tumbled 2.2% to 12,843.81. Though all three indexes opened in the green, stocks took a turn after a new report showed U.S. consumer sentiment deteriorated more than expected in early March as consumers' inflation expectations soared to the highest since 1981. The Securities and Exchange Board of India (Sebi) had carried out a similar exercise in 2017 in a matter related to circulation of messages through WhatsApp.
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