Similarity in many decision systems is governed not by distance alone but by interactions among variables. In fraud and anomaly detection, small local perturbations can cross interaction-sensitive decision boundaries while leaving ambient distance almost unchanged. Motivated by this setting, we introduce a thin-slab interaction model and an interaction-driven quantum kernel constructed from entangled Pauli-string feature maps. The feature map explicitly encodes sparse high-order block interactions. We show that the resulting fidelity kernel is positive semidefinite, admits an exact block-factorized formulation, and induces a geometry sensitive to changes in interaction regime. Across balanced and imbalanced synthetic experiments spanning third-, fourth-, sixth-, and eighth-order interactions, the proposed kernel consistently outperforms linear, radial basis function, Laplacian, and polynomial kernels, as well as an engineered-interaction linear baseline supplied with the planted block products. On real fraud-detection benchmarks, it achieves the highest mean accuracy and F1 on Credit Card Fraud Detection and ranks second on IEEE-CIS Fraud Detection. Executed on a 156-qubit IBM Quantum processor in a fourth-order setting, the hardware-estimated kernel matches the noise-free simulator within seed-to-seed variability and retains its advantage over the baselines. These findings show that quantum-kernel performance depends on alignment between feature-map geometry and the underlying predictive structure, rather than on Hilbert-space dimension alone. Because the prescribed block-factorized kernel can also be evaluated exactly on a classical computer, the results establish predictive and representational value rather than computational quantum speedup.
Similarity in many decision systems is governed not by distance alone but by interactions among variables. In fraud and anomaly detection, small local perturbations can cross interaction-sensitive decision boundaries while leaving ambient distance almost unchanged. Motivated by this setting, we introduce a thin-slab interaction model and an interaction-driven quantum kernel constructed from entangled Pauli-string feature maps. The feature map explicitly encodes sparse high-order block interactions. We show that the resulting fidelity kernel is positive semidefinite, admits an exact block-factorized formulation, and induces a geometry sensitive to changes in interaction regime. Across balanced and imbalanced synthetic experiments spanning third-, fourth-, sixth-, and eighth-order interactions, the proposed kernel consistently outperforms linear, radial basis function, Laplacian, and polynomial kernels, as well as an engineered-interaction linear baseline supplied with the planted block products. On real fraud-detection benchmarks, it achieves the highest mean accuracy and F1 on Credit Card Fraud Detection and ranks second on IEEE-CIS Fraud Detection. Executed on a 156-qubit IBM Quantum processor in a fourth-order setting, the hardware-estimated kernel matches the noise-free simulator within seed-to-seed variability and retains its advantage over the baselines. These findings show that quantum-kernel performance depends on alignment between feature-map geometry and the underlying predictive structure, rather than on Hilbert-space dimension alone. Because the prescribed block-factorized kernel can also be evaluated exactly on a classical computer, the results establish predictive and representational value rather than computational quantum speedup.
Financial fraud detection remains difficult due to extreme class imbalance and subtle, nonlinear patterns in transactional data. We investigate a hybrid quantum–classical approach that couples a fidelity-based quantum kernel with a logistic regression classifier (QEKLR). A custom ZZ-inspired feature map comprising Hadamards, mixed-axis Ry/Rzencodings, tunable Ising-ZZ cross terms, and data re-uploading, embeds PCA-reduced, Min–Max scaled features into quantum states. The resulting fidelity kernel is evaluated and used within kernel logistic regression. Experiments on two benchmarks: BankSim (synthetic) and the European Credit Card Fraud dataset, use balanced subsets created via Random Under-Sampling. The proposed model attains the best performance on BankSim (AUC = 0.96; strongest F1), and is competitive on the credit-card dataset (AUC = 0.94), closely tracking XGBoost (AUC = 0.96) while outperforming logistic regression and a variational quantum classifier baseline. These results indicate that quantum kernel methods can provide practical gains on tabular fraud tasks while remaining aligned with current NISQ constraints. We also discuss the quadratic cost of exact kernel evaluation and outline scalable approximations for future deployment on larger, highly imbalanced datasets.
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 classical models while keeping sample sizes, feature counts, and scaling strictly matched. To handle class skew without corrupting quantum state overlaps, we embedded synthetic minority oversampling (SMOTE) directly into the quantum Gram matrix workflow, raising PR-AUC scores by roughly +0.04 across feature maps. When trained on the full European credit card dataset with 30 features, classical baselines reached a top PR-AUC of 0.983. However, restricting classical models to match QSVM hardware constraints (500 samples, 4 PCA features) dropped their PR-AUC to 0.750. This puts our best quantum result 0.730 PR-AUC using IQP encoding on 150 samples into realistic context. Testing on physical quantum hardware reduced performance further to 0.62 due to CNOT gate errors and thermal noise. Overall, our findings pinpoint two main operational bottlenecks for near-term quantum kernels: the scaling of Gram matrix evaluation and heavy information loss from squeezing features onto small qubit registers.
Quantum kernel methods have been proposed as a promising approach for leveraging near-term quantum computers for supervised learning, yet rigorous benchmarks against strong classical baselines remain scarce. We present a comprehensive empirical study of quantum kernel support vector machines (QSVMs) across nine binary classification datasets, four quantum feature maps, three classical kernels, and multiple noise models, totalling 970 experiments with strict nested cross-validation.
Our analysis spans four phases: (i) statistical significance testing, revealing that none of 29 pairwise quantum-classical comparisons reach significance at α=0.05; (ii) learning curve analysis over six training fractions, showing steeper quantum slopes on six of eight datasets that nonetheless fail to close the gap to the best classical baseline; (iii) hardware validation on IBM ibm_fez (Heron r2), demonstrating kernel fidelity r≥0.976 across six experiments; and (iv) seed sensitivity analysis confirming reproducibility (mean CV 1.4%).
A Kruskal-Wallis factorial analysis reveals that dataset choice dominates performance variance (ε2=0.73), while kernel type accounts for only 9%. Spectral analysis offers a mechanistic explanation: current quantum feature maps produce eigenspectra that are either too flat or too concentrated, missing the intermediate profile of the best classical kernel, the radial basis function (RBF). Quantum kernel training (QKT) via kernel-target alignment yields the single competitive result -- balanced accuracy 0.968 on breast cancer -- but with ~2,000x computational overhead.
Our findings provide actionable guidelines for quantum kernel research. The complete benchmark suite is publicly available to facilitate reproduction and extension.
This study proposes a quantum-kernel framework based on a Quantum Support Vector Machine (QSVM) with a novel XYZ feature map integrating RY and RZ rotations for encoding, full all-to-all CX entanglement, and an additional RX rotation layer to obtain higher-order information. The performance of the proposed method is evaluated using a publicly available dataset and benchmarked this embedding against standard Z, ZZ, and Pauli feature maps under matched circuit depth and resource budgets. Across settings, the suggested XYZ map yields the highest performance with accuracy of 93.2%, precision of 0.934, recall of 0.925 and G-mean of 0.93. These results indicate that fully entangling quantum embeddings can enhance the approximation capacity of quantum-kernel for real-world anomaly detection and provide a path toward quantum-assisted fraud analytics.
Quantum kernel methods are promising for near-term quantum machine learning, but their training costs are driven by the quadratic scaling of Gram-matrix construction and the measurement cost of estimating individual kernel values. In this work, we investigate one-class anomaly detection as a resource-efficient operating regime for training non-variational quantum kernel models. Using the ULB Credit Card Fraud Detection dataset, we evaluate three quantum feature maps across training-set sizes and qubit counts. Power-law saturation models reveal strong diminishing returns with increasing training data, with 500-sample models retaining approximately 90--93\% of their fitted asymptotic average precision (AP). We further observe no severe exponential concentration among the evaluated feature maps over the investigated qubit range, thereby avoiding the exponentially increasing measurement requirements associated with that regime. Finally, Nyström approximation reduces kernel construction from O(N2) to O(Nm) evaluations, with QSVR retaining 94--97\% of its exact-kernel AP using only five landmarks. For ZZ-QSVR, downsampling from 4,000 to 500 training samples and applying a five-landmark approximation decreases the number of required kernel evaluations from approximately 8.0 million to 2,485, a reduction of more than 3,200-fold, while AP decreases from 0.812 to 0.737. Under the minimum IonQ pricing assumption considered here, this corresponds to an illustrative reduction in quantum kernel training cost from approximately $1.34 billion to $417{,}480. These results demonstrate that training-set reduction and low-rank approximation can substantially reduce the resources required to train non-variational quantum kernel anomaly detectors while retaining meaningful anomaly-discrimination performance.
Abstract Quantum kernel approaches have been touted as a possible way to gain representational advantages over classical machine learning techniques however most comparative work only looks at classification accuracy leaving the geometric structure of the kernels unexplored. We carry out a comprehensive kernel-level comparison between classical support vector machines (SVMs) with radial basis function (RBF) kernels and quantum support vector classifiers that use ZZFeatureMap and PauliFeatureMap fidelity kernels, tested on two synthetic and two real-world two-dimensional datasets. After applying centred kernel alignment(CKA), the Hilbert-Schmidt Independence Criterion (HSIC), eigenvalue spectrum analysis, spectral entropy, and effective rank. Firstly, shallow quantum kernels form a moderately aligned band with RBF across all datasets and conditions that is quite stable (CKA : 0.41 → 0.57), whereas going deeper in the circuit to two repetitions largely mismatches both alignment and accuracy with no representational gain (e.g. Iris cross-validation accuracy: 0.920 → 0.670, p = 0.0004). Secondly, depolarising noise surprisingly increases the quantum-classical kernel alignment, which means that near-term hardware kernels are structurally closer to RBF than noiseless simulations suggest. Thirdly, the scenarios that lead to maximum apparent quantum-classical divergence, small sample sizes and low noise, are precisely those most used to benchmark quantum kernel advantage. Kernel-level structural analysis is essential for meaningful evaluation of quantum machine learning methods.