# Evaluating Transfer Learning Methods on Real-World Data Streams: A Case Study in Financial Fraud Detection

arXiv: https://arxiv.org/abs/2508.02702 · HTML: https://mlsanity.com/paper/2508.02702/

## Key facts

- Cited by 1 papers in the map (data through 14 Oct 2026).
- Builds on 17 of its 28 references that are in the map.
- First posted on arXiv 29 Jul 2025.

## Builds on (most cited first, 17 of 17)

- [The Cityscapes Dataset for Semantic Urban Scene Understanding](https://mlsanity.com/paper/1604.01685/) (2016)
- [Domain-Adversarial Training of Neural Networks](https://mlsanity.com/paper/1505.07818/) (2015)
- [Moment Matching for Multi-Source Domain Adaptation](https://mlsanity.com/paper/1812.01754/) (2018)
- [Deep Hashing Network for Unsupervised Domain Adaptation](https://mlsanity.com/paper/1706.07522/) (2017)
- [Deeper, Broader and Artier Domain Generalization](https://mlsanity.com/paper/1710.03077/) (2017)
- [Playing for Data: Ground Truth from Computer Games](https://mlsanity.com/paper/1608.02192/) (2016)
- [Generalizing to Unseen Domains: A Survey on Domain Generalization](https://mlsanity.com/paper/2103.03097/) (2021)
- [Domain Generalization: A Survey](https://mlsanity.com/paper/2103.02503/) (2021)
- [Deep Visual Domain Adaptation: A Survey](https://mlsanity.com/paper/1802.03601/) (2018)
- [Deep Neural Networks and Tabular Data: A Survey](https://mlsanity.com/paper/2110.01889/) (2021)
- [A Survey of Unsupervised Deep Domain Adaptation](https://mlsanity.com/paper/1812.02849/) (2018)
- [Semi-supervised Domain Adaptation via Minimax Entropy](https://mlsanity.com/paper/1904.06487/) (2019)
- [Domain Generalization for Object Recognition with Multi-task Autoencoders](https://mlsanity.com/paper/1508.07680/) (2015)
- [Multinomial Adversarial Networks for Multi-Domain Text Classification](https://mlsanity.com/paper/1802.05694/) (2018)
- [Turning the Tables: Biased, Imbalanced, Dynamic Tabular Datasets for ML Evaluation](https://mlsanity.com/paper/2211.13358/) (2022)
- [A Unified Perspective on Multi-Domain and Multi-Task Learning](https://mlsanity.com/paper/1412.7489/) (2014)
- [DomainATM: Domain Adaptation Toolbox for Medical Data Analysis](https://mlsanity.com/paper/2209.11890/) (2022)

## Built on by (most cited first, 1 of 1)

- [PRISM: Powerful Time Series to Image (TS2I) Representations for Multivariate Anomaly Detection](https://mlsanity.com/paper/2608.03926/) (2026)

## Abstract (arXiv)

When the available data for a target domain is limited, transfer learning (TL) methods can be used to develop models on related data-rich domains, before deploying them on the target domain. However, these TL methods are typically designed with specific, static assumptions on the amount of available labeled and unlabeled target data. This is in contrast with many real world applications, where the availability of data and corresponding labels varies over time. Since the evaluation of the TL methods is typically also performed under the same static data availability assumptions, this would lead to unrealistic expectations concerning their performance in real world settings. To support a more realistic evaluation and comparison of TL algorithms and models, we propose a data manipulation framework that (1) simulates varying data availability scenarios over time, (2) creates multiple domains through resampling of a given dataset and (3) introduces inter-domain variability by applying realistic domain transformations, e.g., creating a variety of potentially time-dependent covariate and concept shifts. These capabilities enable simulation of a large number of realistic variants of the experiments, in turn providing more information about the potential behavior of algorithms when deployed in dynamic settings. We demonstrate the usefulness of the proposed framework by performing a case study on a proprietary real-world suite of card payment datasets. Given the confidential nature of the case study, we also illustrate the use of the framework on the publicly available Bank Account Fraud (BAF) dataset. By providing a methodology for evaluating TL methods over time and in realistic data availability scenarios, our framework facilitates understanding of the behavior of models and algorithms. This leads to better decision making when deploying models for new domains in real-world environments.