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Quantum-Enhanced Smart Computing Framework for Sustainable Credit Risk Decision Communication
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Author(s): Shreyansh Jain (SRM Institute of Science and Technology, Ramapuram, India), Kshitij Chaudhary (SRM Institute of Science and Technology, Ramapuram, India), Samvardhan Singh (SRM Institute of Science and Technology, Ramapuram, India), Vitri Tundjungsari (Universitas Esa Unggul, Indonesia)and Akarshak Bose (National Institute of Technology, Hamirpur, India)
Copyright: 2026
Pages: 28
Source title:
Recent Advances in Smart Communication Technologies for a Sustainable Future
Source Author(s)/Editor(s): Valentina E. Balas (Aurel Vlaicu University of Arad, Romania), Hari Mohan Pandey (Bournemouth University, UK), Mohd. Anshari Bin Ali (Universiti Brunei Darussalam, Brunei), Vineeta Singh (Chhatrapati Shahu Ji Maharaj University, Kanpur, India)and Alok Kumar (Chhatrapati Shahu Ji Maharaj University, Kanpur, India)
DOI: 10.4018/979-8-3373-3541-4.ch013
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Abstract
Recent advancements in smart computing and intelligent decision communication systems have enabled new possibilities for sustainable financial technologies. This chapter introduces a hybrid quantum classical model for credit risk prediction that leverages superposition and entanglement to enhance complex financial data processing. Unlike traditional machine learning models that struggle with class imbalance, nonlinear relationships and high dimensional dependencies, the system combines advanced preprocessing, feature selection and quantum kernel computation within a scalable support vector framework. Trained on 33,000 loan records across 12 borrower attributes, it achieves 94.53% accuracy, outperforming logistic regression, random forests, decision trees and CNNs. By improving decision accuracy and reducing default risk, the approach contributes to economic sustainability and responsible lending. The same quantum communication architecture can extend to healthcare, logistics and cybersecurity, aligning with the wider vision of smart technology for a sustainable future.
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