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The digitalization of credit scoring has become essential for financial institutions and commercial banks, especially in the era of digital transformation. Machine learning techniques are commonly used to evaluate customers'…

Machine Learning · Computer Science 2026-03-06 Huyen Giang Thi Thu , Thang Viet Doan , Ha-Bang Ban , Tai Le Quy

Algorithmic fairness has attracted increasing attention in the machine learning community. Various definitions are proposed in the literature, but the differences and connections among them are not clearly addressed. In this paper, we…

Machine Learning · Computer Science 2023-06-05 Zeyu Tang , Jiji Zhang , Kun Zhang

Machine learning practitioners are often ambivalent about the ethical aspects of their products. We believe anything that gets us from that current state to one in which our systems are achieving some degree of fairness is an improvement…

Artificial Intelligence · Computer Science 2018-06-15 Jared Sylvester , Edward Raff

Machine learning algorithms are now frequently used in sensitive contexts that substantially affect the course of human lives, such as credit lending or criminal justice. This is driven by the idea that `objective' machines base their…

Machine Learning · Computer Science 2019-01-17 Songül Tolan

Across machine learning (ML) sub-disciplines, researchers make explicit mathematical assumptions in order to facilitate proof-writing. We note that, specifically in the area of fairness-accuracy trade-off optimization scholarship, similar…

Computers and Society · Computer Science 2021-09-09 A. Feder Cooper , Ellen Abrams

In the application of machine learning to real-life decision-making systems, e.g., credit scoring and criminal justice, the prediction outcomes might discriminate against people with sensitive attributes, leading to unfairness. The commonly…

Machine Learning · Computer Science 2022-03-21 Suyun Liu , Luis Nunes Vicente

Algorithmic fairness involves expressing notions such as equity, or reasonable treatment, as quantifiable measures that a machine learning algorithm can optimise. Most work in the literature to date has focused on classification problems…

Machine Learning · Computer Science 2020-03-06 Daniel Steinberg , Alistair Reid , Simon O'Callaghan

The rise of algorithmic decision-making has spawned much research on fair machine learning (ML). Financial institutions use ML for building risk scorecards that support a range of credit-related decisions. Yet, the literature on fair ML in…

Machine Learning · Statistics 2022-06-20 Nikita Kozodoi , Johannes Jacob , Stefan Lessmann

Fairness in both Machine Learning (ML) predictions and human decision-making is essential, yet both are susceptible to different forms of bias, such as algorithmic and data-driven in ML, and cognitive or subjective in humans. In this study,…

Computation and Language · Computer Science 2025-08-28 Junhua Liu , Roy Ka-Wei Lee , Kwan Hui Lim

Automated decision systems are increasingly used to take consequential decisions in problems such as job hiring and loan granting with the hope of replacing subjective human decisions with objective machine learning (ML) algorithms.…

Computers and Society · Computer Science 2023-06-21 Guilherme Alves , Fabien Bernier , Miguel Couceiro , Karima Makhlouf , Catuscia Palamidessi , Sami Zhioua

As financial institutions increasingly rely on machine learning models to automate lending decisions, concerns about algorithmic fairness have risen. This paper explores the tradeoff between enforcing fairness constraints (such as…

Computers and Society · Computer Science 2025-06-05 Aayam Bansal

Algorithm fairness has become a central problem for the broad adoption of artificial intelligence. Although the past decade has witnessed an explosion of excellent work studying algorithm biases, achieving fairness in real-world AI…

Machine Learning · Computer Science 2023-09-06 James Enouen , Tianshu Sun , Yan Liu

To ensure unbiased and ethical automated predictions, fairness must be a core principle in machine learning applications. Fairness in machine learning aims to mitigate biases present in the training data and model imperfections that could…

Machine Learning · Computer Science 2024-12-03 Jan Pablo Burgard , João Vitor Pamplona

Fairness in machine learning has predominantly been studied in static classification settings without concern for how decisions change the underlying population over time. Conventional wisdom suggests that fairness criteria promote the…

Machine Learning · Computer Science 2018-08-10 Lydia T. Liu , Sarah Dean , Esther Rolf , Max Simchowitz , Moritz Hardt

Machine learning models are central to people's lives and impact society in ways as fundamental as determining how people access information. The gravity of these models imparts a responsibility to model developers to ensure that they are…

Applications · Statistics 2020-07-13 Cyrus DiCiccio , Sriram Vasudevan , Kinjal Basu , Krishnaram Kenthapadi , Deepak Agarwal

Quality assessment algorithms measure the quality of a captured biometric sample. Since the sample quality strongly affects the recognition performance of a biometric system, it is essential to only process samples of sufficient quality and…

Computer Vision and Pattern Recognition · Computer Science 2024-08-22 André Dörsch , Torsten Schlett , Peter Munch , Christian Rathgeb , Christoph Busch

Machine learning has seen an increase in negative publicity in recent years, due to biased, unfair, and uninterpretable models. There is a rising interest in making machine learning models more fair for unprivileged communities, such as…

Machine Learning · Computer Science 2022-11-22 Yochem van Rosmalen , Florian van der Steen , Sebastiaan Jans , Daan van der Weijden

Many machine learning systems make extensive use of large amounts of data regarding human behaviors. Several researchers have found various discriminatory practices related to the use of human-related machine learning systems, for example…

Machine Learning · Computer Science 2019-03-25 Elena Beretta , Antonio Santangelo , Bruno Lepri , Antonio Vetrò , Juan Carlos De Martin

Fairness emerged as an important requirement to guarantee that Machine Learning (ML) predictive systems do not discriminate against specific individuals or entire sub-populations, in particular, minorities. Given the inherent subjectivity…

Machine Learning · Computer Science 2022-06-08 Karima Makhlouf , Sami Zhioua , Catuscia Palamidessi

With the increase in adoption of machine learning tools by organizations risks of unfairness abound, especially when human decision processes in outcomes of socio-economic importance such as hiring, housing, lending, and admissions are…

Computers and Society · Computer Science 2020-09-11 Lily Morse , Mike H. M. Teodorescu , Yazeed Awwad , Gerald Kane