Benchmarking Quantum Kernel SVMs for Credit Card Fraud Detection: Performance Realities Under NISQ Constraints

arXiv:2610.17027v1 Announce Type: new Abstract: Detecting credit card fraud is notoriously difficult because fraudulent charges make up less than 0.2% of total transactions. Quantum Machine Learning (QML), particularly Quantum Kernel Support Vector Machines (QSVM), promises richer feature representations by embedding classical data into high-dimensional Hilbert spaces. However, whether this theoretical advantage holds up when managing real-world financial data bottlenecks remains unclear. We designed a controlled benchmark comparing three quantum encodings, Angle, ZZFeatureMap, and IQP against

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