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Monday, August 31, 2026

🧠 KNN Using an ANN-Style Learning Model Step-by-step mathematical explanation using Age, Salary and Credit Score

🧠 KNN Using an ANN-Style Learning Model

Step-by-step mathematical explanation using Age, Salary and Credit Score

⚠️ Important Concept

KNN and ANN are different algorithms.

KNN = K-Nearest Neighbors
ANN = Artificial Neural Network

Here, KNN is represented in an ANN-style input → processing → output structure so that the mathematical process is easier to understand.

1. ANN-Style Representation of KNN

INPUT LAYER

Age
Salary
Credit Score
DISTANCE LAYER

d₁
d₂
d₃
...
K NEIGHBORS

Nearest K
Points
OUTPUT

Approved
OR
Rejected

1 Training Dataset

Suppose a bank has the following historical customer data.

Customer Age Salary (₹000) Credit Score Decision
A 25 30 650 Rejected
B 28 35 670 Rejected
C 30 40 700 Approved
D 35 50 720 Approved
E 40 60 750 Approved
F 45 70 780 Approved

2 New Customer

Age = 32
Salary = ₹45,000
Credit Score = 710

We want to determine whether the new customer's credit card application should be approved.

3 Choose K

K = 3

The three nearest customers will vote on the final decision.

4 Why Feature Scaling is Important

Notice that:

Age ≈ 32
Salary ≈ 45
Credit Score ≈ 710

Credit Score has a much larger numerical value. If we directly calculate Euclidean distance, Credit Score could dominate the distance calculation. Therefore, KNN generally benefits from feature scaling.
Standardization: z = (x − μ) / σ

For teaching simplicity, we will use normalized values below.

5 Normalized Input

Customer Age Salary Credit Score Decision
A 0.00 0.00 0.00 Rejected
B 0.15 0.125 0.154 Rejected
C 0.25 0.25 0.385 Approved
D 0.50 0.50 0.538 Approved
E 0.75 0.75 0.769 Approved
F 1.00 1.00 1.00 Approved
New Customer X = (0.35, 0.375, 0.462)

6 Euclidean Distance

d(X,P) = √[ (x₁-p₁)² + (x₂-p₂)² + (x₃-p₃)² ]

Here:

x₁ = Age
x₂ = Salary
x₃ = Credit Score

7 Distance from Customer A

X = (0.35, 0.375, 0.462)
A = (0, 0, 0)
d(X,A) = √[ (0.35−0)² + (0.375−0)² + (0.462−0)² ]

= √[ 0.1225 + 0.140625 + 0.213444 ]

= √0.476569

≈ 0.690

8 Distance from Customer B

B = (0.15,0.125,0.154)
d(X,B) = √[ (0.35−0.15)² + (0.375−0.125)² + (0.462−0.154)² ]

= √[ 0.04 + 0.0625 + 0.094864 ]

= √0.197364

≈ 0.444

9 Distance from Customer C

C = (0.25,0.25,0.385)
d(X,C) = √[ (0.35−0.25)² + (0.375−0.25)² + (0.462−0.385)² ]

= √[ 0.01 + 0.015625 + 0.005929 ]

= √0.031554

≈ 0.178

10 Distance from Customer D

D = (0.50,0.50,0.538)
d(X,D) = √[ (0.35−0.50)² + (0.375−0.50)² + (0.462−0.538)² ]

= √[ 0.0225 + 0.015625 + 0.005776 ]

= √0.043901

≈ 0.209

11 Distance from Customer E

d(X,E) ≈ 0.530

Customer E is farther away than C and D.

12 Distance from Customer F

d(X,F) ≈ 1.005

Customer F is the farthest among the six examples.

13 Sort the Distances

Rank Customer Distance Decision
1 C 0.178 Approved
2 D 0.209 Approved
3 B 0.444 Rejected
4 E 0.530 Approved
5 A 0.690 Rejected
6 F 1.005 Approved

14 Select K = 3 Neighbors

Nearest 1: C → Approved

Nearest 2: D → Approved

Nearest 3: B → Rejected

15 Majority Voting

Approved = 2 Votes

Rejected = 1 Vote
Approved has the majority.

16 Final Prediction

💳 CREDIT CARD APPROVAL

✅ APPROVED

17. KNN Process in ANN-Style Form

INPUT

Age
Salary
Credit Score
DISTANCE

d(A)
d(B)
d(C)
d(D)
d(E)
d(F)
K = 3

C
D
B
OUTPUT

APPROVED

⭐ Interactive Step-by-Step KNN

① Input Layer

Age = 32
Salary = ₹45,000
Credit Score = 710

② Choose K

K = 3
Three nearest customers will vote.

③ Distance Layer

d = √[ (Age difference)² + (Salary difference)² + (Credit Score difference)² ]
The distance is calculated for every training customer.

④ Sort Distances

C = 0.178
D = 0.209
B = 0.444
E = 0.530
A = 0.690
F = 1.005

⑤ Select Neighbors

C → Approved
D → Approved
B → Rejected

⑥ Voting

Approved = 2
Rejected = 1

2 > 1

Therefore: Approved wins.

⑦ Final Prediction

Customer's Credit Card

✅ APPROVED

18. Complete Mathematical Flow

INPUT ↓ Age + Salary + Credit Score ↓ Feature Scaling ↓ Calculate Distance ↓ Sort Distances ↓ Choose K = 3 ↓ Select 3 Nearest Neighbors ↓ Majority Voting ↓ Final Classification ↓ 💳 APPROVED

19. KNN vs ANN

KNN ANN
Instance-based algorithm Neural network
Uses distance Uses weighted sums
Uses K neighbors Uses neurons
Uses majority voting Uses activation functions
No weight training Weights are learned
Usually lazy learning Training is required
B.K. PAUL
Bhairab Ganguly College
Artificial Intelligence & Machine Learning Learning Module

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