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Lending decisions are usually made with proprietary models that provide minimally acceptable explanations to users. In a future world without such secrecy, what decision support tools would one want to use for justified lending decisions?…

Machine Learning · Computer Science 2021-06-07 Chaofan Chen , Kangcheng Lin , Cynthia Rudin , Yaron Shaposhnik , Sijia Wang , Tong Wang

Trustworthy machine learning is driving a large number of ML community works in order to improve ML acceptance and adoption. The main aspect of trustworthy machine learning are the followings: fairness, uncertainty, robustness,…

Machine Learning · Computer Science 2022-07-08 Gregory Scafarto , Nicolas Posocco , Antoine Bonnefoy

Recent advancements in Large Language Models (LLMs) have demonstrated exceptional capabilities in complex tasks like machine translation, commonsense reasoning, and language understanding. One of the primary reasons for the adaptability of…

Computation and Language · Computer Science 2024-07-12 Nicholas Kroeger , Dan Ley , Satyapriya Krishna , Chirag Agarwal , Himabindu Lakkaraju

Large language models (LLMs) have demonstrated impressive capabilities in natural language processing. However, their internal mechanisms are still unclear and this lack of transparency poses unwanted risks for downstream applications.…

Computation and Language · Computer Science 2023-11-30 Haiyan Zhao , Hanjie Chen , Fan Yang , Ninghao Liu , Huiqi Deng , Hengyi Cai , Shuaiqiang Wang , Dawei Yin , Mengnan Du

Explainable AI is an evolving area that deals with understanding the decision making of machine learning models so that these models are more transparent, accountable, and understandable for humans. In particular, post-hoc model-agnostic…

Machine Learning · Computer Science 2023-07-04 Praharsh Nanavati , Ranjitha Prasad

Complex classifiers may exhibit "embarassing" failures in cases where humans can easily provide a justified classification. Avoiding such failures is obviously of key importance. In this work, we focus on one such setting, where a label is…

Machine Learning · Computer Science 2019-06-14 Deborah Cohen , Amit Daniely , Amir Globerson , Gal Elidan

Machine learning has shown much promise in helping improve the quality of medical, legal, and financial decision-making. In these applications, machine learning models must satisfy two important criteria: (i) they must be causal, since the…

Machine Learning · Computer Science 2021-10-12 Carolyn Kim , Osbert Bastani

The increasing use of deep learning across various domains highlights the importance of understanding the decision-making processes of these black-box models. Recent research focusing on the decision boundaries of deep classifiers, relies…

Machine Learning · Computer Science 2024-08-13 Inês Gomes , Luís F. Teixeira , Jan N. van Rijn , Carlos Soares , André Restivo , Luís Cunha , Moisés Santos

The widespread adoption of black-box models in Artificial Intelligence has enhanced the need for explanation methods to reveal how these obscure models reach specific decisions. Retrieving explanations is fundamental to unveil possible…

Artificial Intelligence · Computer Science 2021-02-26 Francesco Bodria , Fosca Giannotti , Riccardo Guidotti , Francesca Naretto , Dino Pedreschi , Salvatore Rinzivillo

The relevance of machine learning (ML) in our daily lives is closely intertwined with its explainability. Explainability can allow end-users to have a transparent and humane reckoning of a ML scheme's capability and utility. It will also…

Machine Learning · Computer Science 2022-12-27 Payel Sadhukhan , Sarbani palit , Kausik Sengupta

A major requirement for credit scoring models is to provide a maximally accurate risk prediction. Additionally, regulators demand these models to be transparent and auditable. Thus, in credit scoring, very simple predictive models such as…

Machine Learning · Statistics 2020-09-30 Michael Bücker , Gero Szepannek , Alicja Gosiewska , Przemyslaw Biecek

While most machine learning models can provide confidence in their predictions, confidence is insufficient to understand a prediction's reliability. For instance, the model may have a low confidence prediction if the input is not…

Machine Learning · Computer Science 2023-10-31 Mert Yuksekgonul , Linjun Zhang , James Zou , Carlos Guestrin

Material scientists are increasingly adopting the use of machine learning (ML) for making potentially important decisions, such as, discovery, development, optimization, synthesis and characterization of materials. However, despite ML's…

Computational Physics · Physics 2019-03-12 Bhavya Kailkhura , Brian Gallagher , Sookyung Kim , Anna Hiszpanski , T. Yong-Jin Han

Interpretable predictions, where it is clear why a machine learning model has made a particular decision, can compromise privacy by revealing the characteristics of individual data points. This raises the central question addressed in this…

Machine Learning · Computer Science 2020-04-07 Frederik Harder , Matthias Bauer , Mijung Park

The rapid integration of artificial intelligence (AI) into various industries has introduced new challenges in governance and regulation, particularly regarding the understanding of complex AI systems. A critical demand from decision-makers…

Machine Learning · Computer Science 2024-11-08 Cristian Munoz , Kleyton da Costa , Bernardo Modenesi , Adriano Koshiyama

An important feature of successful supervised machine learning applications is to be able to explain the predictions given by the regression or classification model being used. However, most state-of-the-art models that have good predictive…

Machine Learning · Statistics 2019-10-14 Victor Coscrato , Marco Henrique de Almeida Inácio , Tiago Botari , Rafael Izbicki

Modern machine learning models with high accuracy are often miscalibrated -- the predicted top probability does not reflect the actual accuracy, and tends to be over-confident. It is commonly believed that such over-confidence is mainly due…

Machine Learning · Computer Science 2021-07-21 Yu Bai , Song Mei , Huan Wang , Caiming Xiong

The explanation to an AI model's prediction used to support decision making in cyber security, is of critical importance. It is especially so when the model's incorrect prediction can lead to severe damages or even losses to lives and…

Cryptography and Security · Computer Science 2022-11-21 Zhi Lu , Vrizlynn L. L. Thing

Interpretability is the study of explaining models in understandable terms to humans. At present, interpretability is divided into two paradigms: the intrinsic paradigm, which believes that only models designed to be explained can be…

Machine Learning · Computer Science 2024-11-14 Andreas Madsen , Himabindu Lakkaraju , Siva Reddy , Sarath Chandar

Selective inference aims at providing valid inference after a data-driven selection of models or hypotheses. It is essential to avoid overconfident results and replicability issues. While significant advances have been made in this area for…

Methodology · Statistics 2025-03-14 Matteo D'Alessandro , Magne Thoresen