Hello Everyone, I'm currently working on an assignment to develop a machine learning program for calculating credit scores, and I wanted to reach out to tap into the collective expertise of this community. One of the approaches I’ve come across is basing the credit score on the payment history of the last 6 months. The payment history could be extracted from sources such as bank statements or mobile wallet transaction records. Before moving forward, I’d love to hear your thoughts on this approach. Do you think using a 6-month payment history is a reliable predictor of creditworthiness? Are there any other factors or data points you would suggest integrating for a more robust model? Any feedback or suggestions would be greatly appreciated! Looking forward to your insights.

Everyone’s talking about AI agents. But the truth? Most demos you see online are just that—demos. Even big players like Apple and Amazon struggle to make their AI features work in the real world due to issues like hallucinations and unreliable outputs. In this week’s video, I break down the differences between simple workflows and true AI agents and share practical strategies for building reliable AI systems, including: - How to use workflow patterns like prompt chaining and routing to solve real problems effectively - Why agent frameworks might not be the solution you think they are - The #1 thing you need to scale AI systems successfully (hint: it’s not a new tool) Learn how to move beyond the hype and build AI systems that actually work.

The goal of this group is to help you navigate the complex and rapidly evolving world of data science and artificial intelligence. This is your hub to stay up-to-date on the latest trends, learn specialized skills to turn raw data into valuable insights, connect with a community of like-minded individuals, and ultimately, become a Data Alchemist. Together, let's decode the language of data and shape a future where knowledge and community illuminate our way. Rules - Don't sell anything here or use Data Alchemy as any kind of funnel - We delete low effort community posts, and posts with poor English. Proofread your post first. - Help us make the posts high quality. If you see a low quality post, then click on the 3 dots on the post and "Report To Admins". Start by checking out these links - Classroom - Introduction - Roadmap - Contribution Be Aware of Scammers - Please be aware that this is a public group. Unfortunately, some people abuse the Skool platform to send DMs or post comments to trick people. This is the internet, so always do your own due diligence. Never automatically trust someone here on the Skool platform other than @Dave Ebbelaar's official account. To kick things off, please comment below, introducing yourself. Let us know: 1. Your name and where you're from 2. What project(s) you're currently focused on See you in the comments!