Multi-Objective Optimization for Credit Card Fraud Classification: Achieving a Balance between Accuracy and Carbon Footprint within a Green AI Framework
Jul 2026· 2026 11th International Conference on Applying New Technology in Green Buildings (ATiGB)· pp. 673-678· 0 citations· 11 references
Abstract
As financial fraud becomes increasingly sophisticated, the demand for complex machine learning models has surged, inadvertently leading to a significant increase in computational energy consumption. This study addresses the critical trade-off between predictive accuracy and environmental sustainability within a Green AI framework. We propose a multi-objective optimization approach to evaluate Logistic Regression, Random Forest, and XGBoost on a highly imbalanced credit card fraud dataset. Experimental results reveal a non-linear “Carbon Cost of Complexity,” where the transition from linear to tree-based architectures yields diminishing returns; a 3.4% improvement in detection accuracy requires a 163% increase in training carbon emissions. The Random Forest model $(\mathbf{n}=\mathbf{2 0 0}, \mathbf{d}=\mathbf{1 5})$ emerged as the Pareto Optimal solution, achieving a superior F1-Score of 0.7512 and an AUPRC of 0.8031. Although XGBoost proved to be 62% more energy-efficient during the training phase, Random Forest demonstrated a distinct advantage in inference latency, achieving a throughput of 664,576 Transactions Per Second (TPS). We conclude that while Random Forest incurs a higher carbon footprint $\left(\mathbf{7. 1 5} \times \mathbf{1 0}^{-\mathbf{6}} \mathbf{~ k g C O} \mathbf{2 e q}\right.$ per cycle), this expenditure is justified by its robustness in preventing financial loss and its capability for real-time processing in high-stakes environments.
Abstract The rise in online transactions has made credit card fraud a significant global concern, necessitating detection strategies that are both highly accurate and practically viable. While existing literature extensively explores machine learning techniques to address class imbalance, most studies optimize for trad...
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An anisometric penalty structure is developed that quantifies deficiencies across multiple dimensions with differential weighting, and is applied to evaluate several leading machine learning approaches with various sampling strategies, XGBoost, Random Forest, and logistic regression—using a large dataset of European cr...
M. Zahid Yüzügüldü, H. Altún, Ali Coşkun et al.· International Transactions i...· 0 citations
In data environments with severe class imbalances, a machine learning model can be designed as an effective triage tool and its actual value is not only to predict fraud, but also to establish a low-risk release, medium-risk verification, and high-risk manual review of the decision-making process for institutions and t...
Zi-Yue Meng· Advances in Economics, Manag...· 0 citations
The proposed framework provides effective support for intelligent risk warning and financial supervision and offers methodological references for pattern recognition, data fusion, and intelligent decision-making systems.
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