Credit default prediction is a tabular classification problem in which modest gains in F1 translate directly into reduced financial exposure. We ask whether Instantaneous Quantum Polynomial-time (IQP) circuits can produce features that improve a classifier over both its raw classical baseline and Kernel PCA - the strongest unsupervised classical non-linear alternative - at an equal feature budget. The dataset provides 23 financial attributes per client; for an n-qubit circuit we select n of them, encode each as a rotation angle, and read 2n expectation values back out as new features. The motivation for using a quantum circuit is computational: an n-qubit IQP circuit runs in constant depth and encodes feature correlations in a 2^n-dimensional Hilbert space, whereas classical simulation of its exact output statistics scales exponentially in n. Using the UCI Default of Credit Card Clients dataset and five-fold cross-validation, we find that appending 16 IQP features (n = 8 qubits) to a Logistic Regression model raises F1 from 0.462 to 0.517 (+0.055, p < 0.0001). Kernel PCA, the next-best method, reaches only 0.493 at the same feature count; the gap survives Benjamini-Hochberg correction across 12 tests (p = 0.00007). No other classifier - Random Forest, SVM, XGBoost, or k-NN - benefits, which points to a linear-expressivity mechanism rather than a generic improvement. We also show that how the 8 input features are chosen matters: Random Forest importance-guided selection reaches F1 = 0.523, while encoding maximally uncorrelated features drops it to 0.496, demonstrating that the circuit amplifies informative structure rather than creating it from scratch.
Parity (XOR) classification requires detecting discrete, high-order feature interactions that smooth classical kernels cannot efficiently capture. We study how quantum kernel advantage depends on parity complexity, the number of features entering the XOR rule, and find a clear threshold behavior. We pair a ZZ quantum feature map with binary {0, pi} encoding (features median thresholded before circuit input) to expose parity structure. A binary encoding ablation, RBF SVM trained on the identical {0, pi} features, separates encoding from circuit effects: at low complexity (n = 5 features), binary RBF achieves 83.4% +/- 1.7% and the quantum kernel 81.2% +/- 1.9%, showing encoding drives performance there. At high complexity (n = 11 features, 11 qubits, r = 3 ZZ repetitions), all classical methods collapse to near-random (approx. 50%), binary RBF reaches only 54.3% +/- 1.1%, and the quantum ZZ kernel achieves 66.3% +/- 3.2% (mean +/- std, 10 seeds), a +12.0 percentage-point margin over the binary ablation and approx. 7x higher kernel-target alignment (0.094 +/- 0.020 vs. 0.013 +/- 0.001). These results identify parity complexity as a concrete axis along which genuine quantum kernel advantage, not attributable to encoding alone, emerges.
Quantum machine learning is often motivated by the idea that quantum systems can expose useful high-dimensional structure that is difficult to access with classical models. We isolate one central component of this claim: the fixed data-encoding map. Amplitude, angle, and basis encoding are evaluated as deterministic feature maps for classical supervised learning under matched output dimensionality and strong classical controls. The benchmark compares these encodings against raw linear models, random Fourier features, polynomial features, PCA, RBF SVMs, and shallow neural networks across diverse classical datasets. Rather than treating performance as a single endpoint, we analyze the geometry of each representation through effective rank, condition number, centered kernel alignment, predictive performance, and practical overhead. The resulting picture is mechanistic: amplitude encoding can remove magnitude information through unit-sphere normalization, angle encoding can become geometrically redundant with raw linear features, and basis encoding can impose a binary Hamming geometry that is poorly aligned with smooth decision structure. These findings do not argue against quantum computation, however, they show that fixed quantum-inspired encoding geometry alone is not a reliable source of machine-learning advantage on classical data.
We provide evidence of quantum kernel advantage under noiseless simulation in binary insurance classification on MIMIC-CXR chest radiographs using quantum support vector machines (QSVM) with frozen embeddings from three medical foundation models (MedSigLIP-448, RAD-DINO, ViT-patch32). We propose a two-tier fair comparison framework in which both classifiers receive identical PCA-q features. At Tier 1 (untuned QSVM vs. untuned linear SVM, C = 1 both sides), QSVM wins minority-class F1 in all 18 tested configurations (17 at p < 0.001, 1 at p < 0.01). The classical linear kernel collapses to majority-class prediction on 90-100% of seeds at every qubit count, while QSVM maintains non-trivial recall. At q = 11 (MedSigLIP-448 plateau center), QSVM achieves mean F1 = 0.343 vs. classical F1 = 0.050 (F1 gain = +0.293, p < 0.001) without hyperparameter tuning. Under Tier 2 (untuned QSVM vs. C-tuned RBF SVM), QSVM wins all seven tested configurations (mean gain +0.068, max +0.112). Eigenspectrum analysis reveals quantum kernel effective rank reaches 69.80 at q = 11, far exceeding linear kernel rank, while classical collapse remains C-invariant. A full qubit sweep reveals architecture-dependent concentration onset across models. Code: https://github.com/sebasmos/qml-medimage
Sebastian Cajas Ordóñez, Felipe Ocampo Osorio, Dax Enshan Koh +10