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M. Alshar'e

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Open access Sep 2026

Causal Machine Learning for Discovering Actionable Insights in Observational Data

Traditional machine learning models achieve strong predictive performance but often are unable to reliably uncover causal relationships required for reliable decision-making, particularly in observational data where controlled experiments are not feasible. This limitation creates a critical gap between prediction and actionable insight, as correlation-based models are vulnerable to confounding bias and poor generalization under distributional shifts. To address this challenge, this study proposes a unified causal machine learning framework that integrates structural causal modeling with data-driven estimation techniques to enable robust causal discovery and effect estimation. The methodology combines hybrid causal structure learning (constraint-based and score-based approaches) with advanced causal effect estimation methods, including propensity score techniques and doubly robust estimators. The framework is evaluated on both synthetic datasets with known causal structures and real-world datasets to assess its accuracy, robustness, and interpretability. Experiments are conducted using multiple runs with controlled settings to ensure reproducibility and statistical validity. The results demonstrate that the proposed framework significantly outperforms traditional predictive models and standalone causal methods. It achieves higher causal discovery accuracy with improved precision and recall of causal edges, reduces estimation error in Average Treatment Effect (ATE), and maintains stable predictive performance under distributional shifts. Statistical analysis confirms significant improvements (p < 0.01) with large effect sizes, indicating strong reliability and robustness. This research aims to bridge the gap between prediction and explanation by enabling machine learning systems to generate actionable, interpretable, and causally valid insights. The findings highlight the importance of integrating causal reasoning into data science workflows to support informed decision-making, intervention planning, and trustworthy AI development.

Maria Ulfa, M. Alshar'e, Dharmesh Dhabliya et al. · 0 citations
Open access 2026

Self-Supervised Knowledge Representation for Rare Fraud and Operational Failure Detection in Multi-Channel Payment Systems

In modern high-volume payment systems, detecting fraud is still essentially confined by abhorrent class imbalance, changing transaction patterns, and lack of dependably labelled fraud occurrences. The current research questions the issue of whether self-supervised learning (SSL) can add to the extraction of the knowledge related to fraud in comparison with the capability of strong supervised baselines in the multi-channel payment setting. Using a real world banking dataset of over 13.3 million transactions in the 2010-2019 period, we perform an extensive analysis, including supervised machine learning, anomaly-based SSL, and methods of integrating knowledge into machine learning strategies. Gradient-boosting models are able to build a strong base (F1 = 0.86, ROC-auc = 0.99) that suggests that the trained model has a near-saturation discriminative ability that is solely based on tabular transaction characteristics. We show that naive, generic, SSL-based anomaly detectors lead to reduced precision, and task-adapted representations of supervised models, stacked with task-adapted representations, can increase fraud recall by up to 4.9 with a small F1 increase ( +0.6). However, with strict operationally imposed conditions of accuracy ≥ 0.90, the added benefits of the use of SSL are not experienced, highlighting inherent thresholds of representation based improvement. Such results enhance a knowledge based perspective of when self-supervised representations add value to the decision making and when supervised models have already acquired adequate information about fraud meaning thereby guiding the design of financial fraud knowledge-management models in a robust way.

Boumedyen Shannaq, N. Elshaiekh, Basel Bani-Ismail et al. · 0 citations

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