Maharishi International University

Structure-aware feature-to-image encoding with convolutional neural networks improves peer-to-peer credit default prediction compared with conventional tabular models

Abstract Background Peer-to-peer (P2P) lending has expanded rapidly, exposing individual investors to credit default risk typically absorbed by traditional bank intermediation. Methods This study proposes a hybrid deep learning framework for credit default prediction using 1,335,...

Bridging the molecular gap in one of the world’s most endemic earthworm faunas through a strategic roadmap from India

Earthworms are vital ecosystem engineers that sustain soil health and agricultural productivity. India harbors 497 described species (approximately 8.4% of global diversity), with nearly 71% endemism; however, this diversity remains poorly characterized at the molecular level. DN...