Classify Swedish bank transactions withearly and late fusion techniques

Sammanfattning: Categorising bank transactions to predened categories are essential for getting a good overview of ones personal nance. Tink provides a mobile app for automatic categorisation of bank transactions. Tink's categorisation approach is a clustering technique with longest prex match based on merchant.This thesis will examine if a machine learning model can learn to classify transactions based on its purchase, what was bought, instead of merchant.This thesis classies bank transactions in a supervised learning setting by exploring early and late fusion schemes on three types of modalities (text, amount,date) found in Swedish bank transactions. Experiments are carried out with Naive Bayes, Support Vector Machines and Decision Trees. The dierent fusionschemes are compared with no fusion, learned on only one modality, and stacked classication, learning models in a pipe-lined fashion.The early fusion concatenation schemes shows all worse performance than no fusion on the text modality. The late fusion experiments on the other hand shows no impact of modality fusion.Suggestions are made to change the feedback loop from user, to get more data labeled by users, which would potentially boost the other modalities importance