A bank has ten years of loan applications, each recorded with whether the loan was ultimately repaid, and wants to predict repayment for new applicants. Which machine learning approach does this describe?

• AUnsupervised learning, because the bank wants to discover patterns in applicant behaviour.
• BReinforcement learning, because the bank will act on each prediction and see the result.
• CGenerative AI, because the model produces an assessment of each application.
• DSupervised learning, because every training example carries the outcome the model must predict.