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This study focuses on the problem of credit default prediction, builds a modeling framework based on machine learning, and conducts comparative experiments on a variety of mainstream classification algorithms. Through preprocessing, feature…

Machine Learning · Computer Science 2026-02-24 Shiqi Yang , Ziyi Huang , Wengran Xiao , Xinyu Shen

Large Language Models (LLMs) fine-tuned on serialized tabular data are emerging as powerful alternatives to traditional tree-based models, particularly for heterogeneous or context-rich datasets. However, their deployment in high-stakes…

Machine Learning · Computer Science 2026-04-24 Aryan Chaudhary , Prateek Agarwal , Tejasvi Alladi

Post-hoc explanations are widely used to justify, contest, and review automated decisions in high-stakes domains such as lending, employment, and healthcare. Among these methods, SHAP is often treated as providing a reliable account of…

Machine Learning · Computer Science 2026-01-27 Hyunseung Hwang , Seungeun Lee , Lucas Rosenblatt , Steven Euijong Whang , Julia Stoyanovich

Interpretability analysis methods for artificial intelligence models, such as LIME and SHAP, are widely used, though they primarily serve as post-model for analyzing model outputs. While it is commonly believed that the transparency and…

General Finance · Quantitative Finance 2025-02-28 Yan Zhang , Lin Chen , Yixiang Tian

Interpretability is a pressing issue for machine learning. Common approaches to interpretable machine learning constrain interactions between features of the input, rendering the effects of those features on a model's output comprehensible…

Machine Learning · Computer Science 2023-05-11 Kieran A. Murphy , Dani S. Bassett

Shapley values are ubiquitous in interpretable Machine Learning due to their strong theoretical background and efficient implementation in the SHAP library. Computing these values previously induced an exponential cost with respect to the…

Machine Learning · Computer Science 2022-12-06 Gabriel Laberge , Yann Pequignot

Understanding the inner workings of complex machine learning models is a long-standing problem and most recent research has focused on local interpretability. To assess the role of individual input features in a global sense, we explore the…

Machine Learning · Computer Science 2020-10-28 Ian Covert , Scott Lundberg , Su-In Lee

Explainable artificial intelligence (xAI) has gained significant attention in recent years. Among other things, explainablility for deep neural networks has been a topic of intensive research due to the meteoric rise in prominence of deep…

Artificial Intelligence · Computer Science 2026-01-08 Ly Ly Trieu , Tran Cao Son

Shapley values have seen widespread use in machine learning as a way to explain model predictions and estimate the importance of covariates. Accurately explaining models is critical in real-world models to both aid in decision making and to…

Machine Learning · Statistics 2024-08-19 Daniel de Marchi , Michael Kosorok , Scott de Marchi

Feature attributions and counterfactual explanations are popular approaches to explain a ML model. The former assigns an importance score to each input feature, while the latter provides input examples with minimal changes to alter the…

Machine Learning · Computer Science 2021-06-01 Ramaravind Kommiya Mothilal , Divyat Mahajan , Chenhao Tan , Amit Sharma

Unsupervised anomaly detection is a challenging problem due to the diversity of data distributions and the lack of labels. Ensemble methods are often adopted to mitigate these challenges by combining multiple detectors, which can reduce…

Machine Learning · Computer Science 2026-04-27 Jordan Levy , Paul Saves , Moncef Garouani , Nicolas Verstaevel , Benoit Gaudou

Tree-based algorithms such as random forests and gradient boosted trees continue to be among the most popular and powerful machine learning models used across multiple disciplines. The conventional wisdom of estimating the impact of a…

Machine Learning · Statistics 2022-01-03 Markus Loecher , Qi Wu

Local feature attribution methods are increasingly used to explain complex machine learning models. However, current methods are limited because they are extremely expensive to compute or are not capable of explaining a distributed series…

Machine Learning · Computer Science 2022-10-12 Hugh Chen , Scott M. Lundberg , Su-In Lee

Objective: Shapley additive explanations (SHAP) is a popular post-hoc technique for explaining black box models. While the impact of data imbalance on predictive models has been extensively studied, it remains largely unknown with respect…

Machine Learning · Computer Science 2022-06-10 Mingxuan Liu , Yilin Ning , Han Yuan , Marcus Eng Hock Ong , Nan Liu

Feature attribution methods have become essential for explaining machine learning models. Many popular approaches, such as SHAP and Banzhaf values, are grounded in power indices from cooperative game theory, which measure the contribution…

Machine Learning · Computer Science 2025-01-07 P. Barceló , R. Cominetti , M. Morgado

Estimating feature importance is a significant aspect of explaining data-based models. Besides explaining the model itself, an equally relevant question is which features are important in the underlying data generating process. We present a…

Machine Learning · Computer Science 2021-09-21 Pål Vegard Johnsen , Inga Strümke , Signe Riemer-Sørensen , Andrew Thomas DeWan , Mette Langaas

With the growing pervasiveness of artificial intelligence, the ability to explain the inferences made by machine learning models has become increasingly important. Numerous techniques for model explainability have been proposed, with…

Human-Computer Interaction · Computer Science 2026-04-08 Nicola Rossberg , Bennett Kleinberg , Barry O'Sullivan , Luca Longo , Andrea Visentin

Even though Shapley value provides an effective explanation for a DNN model prediction, the computation relies on the enumeration of all possible input feature coalitions, which leads to the exponentially growing complexity. To address this…

Machine Learning · Computer Science 2023-03-07 Guanchu Wang , Yu-Neng Chuang , Mengnan Du , Fan Yang , Quan Zhou , Pushkar Tripathi , Xuanting Cai , Xia Hu

Feature attribution methods are widely used for explaining image-based predictions, as they provide feature-level insights that can be intuitively visualized. However, such explanations often vary in their robustness and may fail to…

Computer Vision and Pattern Recognition · Computer Science 2025-09-26 Amr Alkhatib , Stephanie Lowry

Researchers have proposed a wide variety of model explanation approaches, but it remains unclear how most methods are related or when one method is preferable to another. We describe a new unified class of methods, removal-based…

Machine Learning · Computer Science 2022-05-16 Ian Covert , Scott Lundberg , Su-In Lee