<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Liao Chen</style></author><author><style face="normal" font="default" size="100%">Ning Jia</style></author><author><style face="normal" font="default" size="100%">Hongke Zhao</style></author><author><style face="normal" font="default" size="100%">Yanzhe Kang</style></author><author><style face="normal" font="default" size="100%">Jiang Deng</style></author><author><style face="normal" font="default" size="100%">Shoufeng Ma</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Refined analysis and a hierarchical multi-task learning approach for loan fraud detection</style></title><secondary-title><style face="normal" font="default" size="100%">Journal of Management Science and Engineering</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2022</style></year><pub-dates><date><style  face="normal" font="default" size="100%">3 July 2022</style></date></pub-dates></dates><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>