peer reviewed

peer reviewed

Pre-trained Language Models such as BERT have become ubiquitous in NLP where they have achieved state-of-the-art performance in most NLP tasks. While these models are readily available for English and other widely spoken languages, they remain scarce for low-resource languages such as Luxembourgish. In this paper, we present LuxemBERT, a BERT model for the Luxembourgish language that we create using the following approach: we augment the pre-training dataset by considering text data from a closely related language that we partially translate using a simple and straightforward method. We are then able to produce the LuxemBERT model, which we show to be effective for various NLP tasks: it outperforms a simple baseline built with the available Luxembourgish text data as well the multilingual mBERT model, which is currently the only option for transformer-based language models in Luxembourgish. Furthermore, we present datasets for various downstream NLP tasks that we created for this study and will make available to researchers on request.

Credit scoring systems are critical FinTech applications that concern the analysis of the creditworthiness of a person or organization. While decisions were previously based on human expertise, they are now increasingly relying on data analysis and machine learning. In this paper, we assess the ability of state-of-the-art adversarial machine learning to craft attacks on a real-world credit scoring system. Interestingly, we find that, while these techniques can generate large numbers of adversarial data, these are practically useless as they all violate domain-specific constraints. In other words, the generated examples are all false positives as they cannot occur in practice. To circumvent this limitation, we propose CoEvA2, a search-based method that generates valid adversarial examples (satisfying the domain constraints). CoEvA2 utilizes multi-objective search in order to simultaneously handle constraints, perform the attack and maximize the overdraft amount requested. We evaluate CoEvA2 on a major bank's real-world system by checking its ability to craft valid attacks. CoEvA2 generates thousands of valid adversarial examples, revealing a high risk for the banking system. Fortunately, by improving the system through adversarial training (based on the produced examples), we increase its robustness and make our attack fail.