bnp_fraud.parquet

This is a re-upload from https://challengedata.ens.fr/challenges/104 for development convenience. The original dataset is under Etalab open license, allowing its free redistribution. The context below is from the original challenge.<br><br>Challenge context:<br>BNP Paribas Personal Finance is the leader in personal financing in France and in Europe through its consumer credit activity. A 100% subsidiary of the BNP Paribas Group, BNP Paribas Personal Finance gathers more than 20 000 employees and operates in some thirty countries. Under various brands like Cetelem, Cofinoga and Findomestic, BNP Paribas Personal Finance provides its clients with a complete range of consumer credit, available in stores and car dealership or directly through customer relationship centers and via the company’s local websites.BNP Paribas Personal Finance had developed an active strategy of support for retailers, carmakers and dealers, Web merchants, and various financial institutions (banking and insurance), based on its credit's market experience and its ability to offer services adapted to the activity and the commercial strategy of its business partners. It is also a key player in terms of responsible credit and budgetary awareness.BNPP Personal Finance is, by nature, exposed to Credit Risk, and relies heavily on quantitative models to manage it. Within BNP Paribas Personal Finance Central Risk Department is responsible for the relevance of risk rating models used within all local entities and for maintaining a high level of expertise with integrating new statistical techniques in new modelling environments.The Credit Process Optimization team is part of the RISK department of BNPP PF, within Risk Personal Finance Global Credit Decision-making Policies, we contribute to the rationalization and the optimization of risk decision processes through an analytical approach. We support local risk teams to improve the efficiency of credit processes including fraud part, participating to the best balance between profitability, customer journey and risk profiles.<b>Fraud is a major problem for merchants. Criminals use a wide variety of methods to attack organizations across systems, channels, processes and products.</b> <b>The development of fraud detection methods is thus of crucial importance. Fraud detection is a challenging problem because fraudsters make their best efforts to make their behaviour look legitimate. Another difficulty is that the number of legitimate records is far greater than the number of fraudulent cases.</b>