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  About NatWest Group
  
  NatWest Group is a UK-focused banking organisation, serving over 19 million customers, with business operations stretching across retail, commercial and private banking markets.
  
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Careers
Careers

Overlay

Ai & data

Discover our AI research

Scroll down to explore our AI research papers.

01 Aug 2024 . 4 mins

2023 publications

Agent-based Modelling of Credit Card Promotions

In this research work, we develop an agent-based model of the UK credit card market, based on the interactions between lenders and customers. We then show how this model can be used as a tool to explore outcomes of zero-interest credit card promotion strategies under different market scenarios.

Read the paper here

Conformal Predictions for Longitudinal Data

In this paper, we present our research into uncertainty calculation for multi-dimensional time-series forecasting, setting a new performance benchmark for the field. These uncertainty estimates allow more informative predictions in areas like demand and stock market prediction and boost the trustworthiness of our forecasts.

Read the paper here

Modelling customer lifetime-value in the retail banking industry

This research improves the accuracy of customer lifetime value estimation in retail banking through a machine-learning framework. The improved insight from this framework allows accurate identification of high-value customers, informing marketing, relationship management, and business growth strategies.

Read the paper here

2022 publications

Offline Deep Reinforcement Learning for Dynamic Pricing of Consumer Credit

In this paper, we train an offline reinforcement learning agent with a static dataset to determine a better loan interest pricing policy. This approach can be applied to other pricing tasks and means risky experimentation in a live environment can be avoided.

Read the paper here

An Introduction to Machine Unlearning

This paper presents a comprehensive review of a wide range of machine unlearning algorithms, which remove the influence of individual observations from models while minimising computational costs. This review standardizes definitions, evaluation methods, and tackles implementation challenges for machine unlearning.

Read the paper here

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Discover our AI research

2023 publications

Agent-based Modelling of Credit Card Promotions

Conformal Predictions for Longitudinal Data

Modelling customer lifetime-value in the retail banking industry

2022 publications

Offline Deep Reinforcement Learning for Dynamic Pricing of Consumer Credit

An Introduction to Machine Unlearning

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