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The Hot Path Belongs to GBDTs, Agents Own the Cold Path: A Payment-Fraud Benchmark
https://towardsdatascience.com/the-hot-path-belongs-to-gbdts-agents-own-the-cold-path-a-payment-fraud-benchmark/(towardsdatascience.com)Gradient Boosted Decision Tree (GBDT) models remain the superior choice for real-time payment fraud detection, decisively outperforming LLM agents in speed, cost, and reliability. A GBDT scorer processes a transaction in under a millisecond, while an LLM takes over 1,
0 points•by chrisf•2 hours ago