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Driftuard -HCL: Concept-Drift-Aware Continual Heterogeneous raph Contrastive Learning for Evolving Financial Fraud Detection

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TL;DR

Dr DriftGuard-HCL is presented, a continual heterogeneous graph-contrastive framework that combines a scalable typed graph-context encoder, semantic-group contrastive regularization, delayed-label replay, and a relation-support-aware drift gate to support the value of drift-gated adaptation while not constituting evidence of production-bank performance.

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