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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

Interpretability is a pressing issue for decision systems. Many post hoc methods have been proposed to explain the predictions of a single machine learning model. However, business processes and decision systems are rarely centered around a…

Machine Learning · Computer Science 2023-03-22 Gianluigi Lopardo , Damien Garreau , Frederic Precioso , Greger Ottosson

End-to-end deep neural networks have achieved remarkable success across various domains but are often criticized for their lack of interpretability. While post hoc explanation methods attempt to address this issue, they often fail to…

Machine Learning · Computer Science 2025-01-22 Weixin Chen , Simon Yu , Huajie Shao , Lui Sha , Han Zhao

As machine learning becomes an important part of many real world applications affecting human lives, new requirements, besides high predictive accuracy, become important. One important requirement is transparency, which has been associated…

Machine Learning · Computer Science 2019-08-01 Tiago Botari , Rafael Izbicki , Andre C. P. L. F. de Carvalho

Deep reinforcement learning (RL) has shown remarkable success in complex domains, however, the inherent black box nature of deep neural network policies raises significant challenges in understanding and trusting the decision-making…

Machine Learning · Computer Science 2025-01-20 Peilang Li , Umer Siddique , Yongcan Cao

With dramatic improvements in optimization software, the solution of large-scale problems that seemed intractable decades ago are now a routine task. This puts even more real-world applications into the reach of optimizers. At the same…

Optimization and Control · Mathematics 2023-03-07 Marc Goerigk , Michael Hartisch

In this work, we propose a simple but effective method to interpret black-box machine learning models globally. That is, we use a compact binary tree, the interpretation tree, to explicitly represent the most important decision rules that…

Machine Learning · Computer Science 2018-05-24 Chengliang Yang , Anand Rangarajan , Sanjay Ranka

Clinical decisions are high-stakes and require explicit justification, making model interpretability essential for auditing deep clinical models prior to deployment. As the ecosystem of model architectures and explainability methods…

Machine Learning · Computer Science 2026-03-27 Yongda Fan , John Wu , Andrea Fitzpatrick , Naveen Baskaran , Jimeng Sun , Adam Cross

Ensembles improve prediction performance and allow uncertainty quantification by aggregating predictions from multiple models. In deep ensembling, the individual models are usually black box neural networks, or recently, partially…

Machine Learning · Statistics 2022-05-26 Lucas Kook , Andrea Götschi , Philipp FM Baumann , Torsten Hothorn , Beate Sick

Recently, interpretable machine learning has re-explored concept bottleneck models (CBM). An advantage of this model class is the user's ability to intervene on predicted concept values, affecting the downstream output. In this work, we…

Machine Learning · Computer Science 2024-10-29 Sonia Laguna , Ričards Marcinkevičs , Moritz Vandenhirtz , Julia E. Vogt

Predictive models are omnipresent in automated and assisted decision making scenarios. But for the most part they are used as black boxes which output a prediction without understanding partially or even completely how different features…

Information Retrieval · Computer Science 2018-07-02 Jaspreet Singh , Avishek Anand

Prediction of survival in patients diagnosed with a brain tumour is challenging because of heterogeneous tumour behaviours and responses to treatment. Better estimations of prognosis would support treatment planning and patient support.…

Machine Learning · Computer Science 2021-06-18 Colleen E. Charlton , Michael Tin Chung Poon , Paul M. Brennan , Jacques D. Fleuriot

Deep learning has enjoyed tremendous success in a variety of applications but its application to quantile regressions remains scarce. A major advantage of the deep learning approach is its flexibility to model complex data in a more…

Statistics Theory · Mathematics 2021-06-14 Qixian Zhong , Jane-Ling Wang

Though black-box predictors are state-of-the-art for many complex tasks, they often fail to properly quantify predictive uncertainty and may provide inappropriate predictions for unfamiliar data. Instead, we can learn more reliable models…

Machine Learning · Statistics 2021-12-14 Jean Feng , Arjun Sondhi , Jessica Perry , Noah Simon

Black box machine learning models are currently being used for high stakes decision-making throughout society, causing problems throughout healthcare, criminal justice, and in other domains. People have hoped that creating methods for…

Machine Learning · Statistics 2019-09-24 Cynthia Rudin

The importance of explainability in AI has become a pressing concern, for which several explainable AI (XAI) approaches have been recently proposed. However, most of the available XAI techniques are post-hoc methods, which however may be…

Machine Learning · Computer Science 2022-04-15 Leonardo Lucio Custode , Giovanni Iacca

Explaining recommendations enables users to understand whether recommended items are relevant to their needs and has been shown to increase their trust in the system. More generally, if designing explainable machine learning models is key…

Machine Learning · Computer Science 2020-08-27 Darius Afchar , Romain Hennequin

Despite the growing body of work in interpretable machine learning, it remains unclear how to evaluate different explainability methods without resorting to qualitative assessment and user-studies. While interpretability is an inherently…

Machine Learning · Computer Science 2020-07-16 An-phi Nguyen , María Rodríguez Martínez

Neural networks have greatly boosted performance in computer vision by learning powerful representations of input data. The drawback of end-to-end training for maximal overall performance are black-box models whose hidden representations…

Computer Vision and Pattern Recognition · Computer Science 2020-04-29 Patrick Esser , Robin Rombach , Björn Ommer

An increasing number of machine learning models have been deployed in domains with high stakes such as finance and healthcare. Despite their superior performances, many models are black boxes in nature which are hard to explain. There are…

Machine Learning · Computer Science 2022-04-01 Shivani Choudhary , Niladri Chatterjee , Subir Kumar Saha