English
Related papers

Related papers: PSD2 Explainable AI Model for Credit Scoring

200 papers

The vast majority of research on explainability focuses on post-explainability rather than explainable modeling. Namely, an explanation model is derived to explain a complex black box model built with the sole purpose of achieving the…

Machine Learning · Computer Science 2020-02-14 Gabriel Terejanu , Jawad Chowdhury , Rezaur Rashid , Asif Chowdhury

Supervised machine learning often operates on the data-driven paradigm, wherein internal model parameters are autonomously optimized to converge predicted outputs with the ground truth, devoid of explicitly programming rules or a priori…

Machine Learning · Computer Science 2024-12-12 Daniel Geissler , Bo Zhou , Mengxi Liu , Paul Lukowicz

Strategies based on Explainable Artificial Intelligence - XAI have emerged in computing to promote a better understanding of predictions made by black box models. Most XAI measures used today explain these types of models, generating…

Machine Learning · Computer Science 2021-11-18 José Ribeiro , Raíssa Silva , Lucas Cardoso , Ronnie Alves

The rationale behind a deep learning model's output is often difficult to understand by humans. EXplainable AI (XAI) aims at solving this by developing methods that improve interpretability and explainability of machine learning models.…

Artificial Intelligence · Computer Science 2023-08-08 Rafaël Brandt , Daan Raatjens , Georgi Gaydadjiev

There is a need of ensuring machine learning models that are interpretable. Higher interpretability of the model means easier comprehension and explanation of future predictions for end-users. Further, interpretable machine learning models…

Machine Learning · Computer Science 2020-08-17 Gregor Stiglic , Primoz Kocbek , Nino Fijacko , Marinka Zitnik , Katrien Verbert , Leona Cilar

Loan risk for small businesses has long been a complex problem worthy of exploring. Predicting the loan risk can benefit entrepreneurship by developing more jobs for the society. CatBoost (Categorical Boosting) is a powerful machine…

Computational Engineering, Finance, and Science · Computer Science 2021-07-01 Haoxue Wang , Liexin Cheng

This study explores the explainability capabilities of large language models (LLMs), when employed to autonomously generate machine learning (ML) solutions. We examine two classification tasks: (i) a binary classification problem focused on…

The wide-spread adoption of representation learning technologies in clinical decision making strongly emphasizes the need for characterizing model reliability and enabling rigorous introspection of model behavior. While the former need is…

Machine Learning · Computer Science 2020-05-01 Jayaraman J. Thiagarajan , Prasanna Sattigeri , Deepta Rajan , Bindya Venkatesh

eXplainable Artificial Intelligence (XAI) aims at providing understandable explanations of black box models. In this paper, we evaluate current XAI methods by scoring them based on ground truth simulations and sensitivity analysis. To this…

The deployment of Machine Learning models intraoperatively for tissue characterisation can assist decision making and guide safe tumour resections. For image classification models, pixel attribution methods are popular to infer…

Computer Vision and Pattern Recognition · Computer Science 2025-08-01 Alfie Roddan , Chi Xu , Serine Ajlouni , Irini Kakaletri , Patra Charalampaki , Stamatia Giannarou

In modern business processes, the amount of data collected has increased substantially in recent years. Because this data can potentially yield valuable insights, automated knowledge extraction based on process mining has been proposed,…

Machine Learning · Computer Science 2022-12-02 Riza Velioglu , Jan Philip Göpfert , André Artelt , Barbara Hammer

Artificial intelligence-augmented technology represents a considerable opportunity for improving healthcare delivery. Significant progress has been made to demonstrate the value of complex models to enhance clinicians` efficiency in…

Human-Computer Interaction · Computer Science 2025-04-08 Mohammad Golam Kibria , Lauren Kucirka , Javed Mostafa

Algorithmic decisions in critical domains such as hiring, college admissions, and lending are often based on rankings. Given the impact of these decisions on individuals, organizations, and population groups, it is essential to understand…

Artificial Intelligence · Computer Science 2025-07-29 Venetia Pliatsika , Joao Fonseca , Kateryna Akhynko , Ivan Shevchenko , Julia Stoyanovich

In some situations, the interpretability of the machine learning models plays a role as important as the model accuracy. Interpretability comes from the need to trust the prediction model, verify some of its properties, or even enforce them…

Machine Learning · Computer Science 2024-04-10 Guilherme Seidyo Imai Aldeia , Fabricio Olivetti de Franca

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

Explainable Artificial Intelligence (XAI) is increasingly required in computational economics, where machine-learning forecasters can outperform classical econometric models but remain difficult to audit and use for policy. This survey…

General Economics · Economics 2025-12-16 Agustín García-García , Pablo Hidalgo , Julio E. Sandubete

High-stakes applications require AI-generated models to be interpretable. Current algorithms for the synthesis of potentially interpretable models rely on objectives or regularization terms that represent interpretability only coarsely…

Machine Learning · Computer Science 2021-04-28 Marco Virgolin , Andrea De Lorenzo , Francesca Randone , Eric Medvet , Mattias Wahde

Explainability plays a crucial role in providing a more comprehensive understanding of deep learning models' behaviour. This allows for thorough validation of the model's performance, ensuring that its decisions are based on relevant visual…

Machine Learning · Computer Science 2023-06-16 E. Zhixuan Zeng , Hayden Gunraj , Sheldon Fernandez , Alexander Wong

Banks are important for the development of economies in any financial ecosystem through consumer and business loans. Lending, however, presents risks; thus, banks have to determine the applicant's financial position to reduce the…

Machine Learning · Computer Science 2024-10-14 F M Ahosanul Haque , Md. Mahedi Hassan

In this study, we present a novel clinical decision support system and discuss its interpretability-related properties. It combines a decision set of rules with a machine learning scheme to offer global and local interpretability. More…

Methodology · Statistics 2021-07-16 Francisco Valente , Simão Paredes , Jorge Henriques