Satbayev University | Kazakhstan
Mrs. Gulnaz Zakariya is a researcher specializing in Machine Learning, Data Science, and Geospatial Analytics, with strong interdisciplinary contributions spanning FinTech and remote sensing. Her research focuses on the development of intelligent data-driven models for credit risk assessment, antifraud systems, and decision-support frameworks using machine learning and deep learning techniques. She has also made notable contributions to object-based image analysis and spatial change detection, particularly in the study of informal settlements using satellite imagery. Her work bridges applied artificial intelligence, geoinformatics, and financial technology, emphasizing model robustness, interpretability, and real-world deployment. She has published in peer-reviewed international journals and conferences indexed in major scholarly databases, contributing to innovation at the intersection of data science, spatial analytics, and applied AI-driven solutions.
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