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This paper presents an intelligent and transparent AI-driven system for Credit Risk Assessment using three state-of-the-art ensemble machine learning models combined with Explainable AI (XAI) techniques. The system leverages XGBoost,…

Machine Learning · Computer Science 2025-06-25 Shreya , Harsh Pathak

Artificial Intelligence (AI) models have reached a very significant level of accuracy. While their superior performance offers considerable benefits, their inherent complexity often decreases human trust, which slows their application in…

Machine Learning · Computer Science 2025-04-25 Pierre-Daniel Arsenault , Shengrui Wang , Jean-Marc Patenande

The Gaussian graphical model (GGM) incorporates an undirected graph to represent the conditional dependence between variables, with the precision matrix encoding partial correlation between pair of variables given the others. To achieve…

Methodology · Statistics 2023-07-03 Yueqi Qian , Xianghong Hu , Can Yang

Deep learning has become a one-size-fits-all solution for technical and business domains thanks to its flexibility and adaptability. It is implemented using opaque models, which unfortunately undermines the outcome trustworthiness. In order…

Machine Learning · Computer Science 2022-08-04 Anh-Duy Pham , Anastassia Kuestenmacher , Paul G. Ploeger

Sparse generalized additive models (GAMs) are an extension of sparse generalized linear models which allow a model's prediction to vary non-linearly with an input variable. This enables the data analyst build more accurate models,…

Methodology · Statistics 2020-01-15 J. Kenneth Tay , Robert Tibshirani

Neural Additive Models (NAMs) have recently demonstrated promising predictive performance while maintaining interpretability. However, their capacity is limited to capturing only first-order feature interactions, which restricts their…

Machine Learning · Computer Science 2025-11-17 Minkyu Kim , Hyun-Soo Choi , Jinho Kim

Survival analysis is a fundamental tool for modeling time-to-event outcomes in healthcare. Recent advances have introduced flexible neural network approaches for improved predictive performance. However, most of these models do not provide…

Machine Learning · Statistics 2025-09-10 Mert Ketenci , Vincent Jeanselme , Harry Reyes Nieva , Shalmali Joshi , Noémie Elhadad

Predictive process analytics focuses on predicting the future states of running instances of a business process. While advanced machine learning techniques have been used to increase accuracy of predictions, the resulting predictive models…

Artificial Intelligence · Computer Science 2020-12-09 Mythreyi Velmurugan , Chun Ouyang , Catarina Moreira , Renuka Sindhgatta

Intelligibility and accurate uncertainty estimation are crucial for reliable decision-making. In this paper, we propose EviNAM, an extension of evidential learning that integrates the interpretability of Neural Additive Models (NAMs) with…

Machine Learning · Computer Science 2026-01-14 Sören Schleibaum , Anton Frederik Thielmann , Julian Teusch , Benjamin Säfken , Jörg P. Müller

Explainable AI (XAI) is an active research area to interpret a neural network's decision by ensuring transparency and trust in the task-specified learned models. Recently, perturbation-based model analysis has shown better interpretation,…

Computer Vision and Pattern Recognition · Computer Science 2021-02-17 Mahesh Sudhakar , Sam Sattarzadeh , Konstantinos N. Plataniotis , Jongseong Jang , Yeonjeong Jeong , Hyunwoo Kim

Generalized additive models (GAMs) have long been a powerful white-box tool for the intelligible analysis of tabular data, revealing the influence of each feature on the model predictions. Despite the success of neural networks (NNs) in…

Machine Learning · Computer Science 2024-10-08 Guangzhi Xiong , Sanchit Sinha , Aidong Zhang

Transparent models, which provide inherently interpretable predictions, are receiving significant attention in high-stakes domains. However, despite much real-world data being collected as time series, there is a lack of studies on…

Machine Learning · Computer Science 2025-12-17 Minkyu Kim , Suan Lee , Jinho Kim

Interpretability is one of the considerations when applying machine learning to high-stakes fields such as healthcare that involve matters of life safety. Generalized Additive Models (GAMs) enhance interpretability by visualizing shape…

Machine Learning · Computer Science 2025-10-06 Fumin Wang

Federated learning has significantly advanced distributed training of machine learning models across decentralized data sources. However, existing frameworks often lack comprehensive solutions that combine uncertainty quantification,…

Machine Learning · Computer Science 2025-07-01 Sree Bhargavi Balija , Amitash Nanda , Debashis Sahoo

In the realm of human activity recognition (HAR), the integration of explainable Artificial Intelligence (XAI) emerges as a critical necessity to elucidate the decision-making processes of complex models, fostering transparency and trust.…

Artificial Intelligence · Computer Science 2024-08-22 Yiran Huang , Yexu Zhou , Haibin Zhao , Till Riedel , Michael Beigl

Generalized Additive Models (GAMs) have quickly become the leading choice for inherently-interpretable machine learning. However, unlike uninterpretable methods such as DNNs, they lack expressive power and easy scalability, and are hence…

Machine Learning · Computer Science 2022-10-20 Abhimanyu Dubey , Filip Radenovic , Dhruv Mahajan

In the context of human-in-the-loop Machine Learning applications, like Decision Support Systems, interpretability approaches should provide actionable insights without making the users wait. In this paper, we propose Accelerated…

Machine Learning · Computer Science 2021-12-24 David Dandolo , Chiara Masiero , Mattia Carletti , Davide Dalle Pezze , Gian Antonio Susto

Predictive Process Monitoring (PPM) often uses deep learning models to predict the future behavior of ongoing processes, such as predicting process outcomes. While these models achieve high accuracy, their lack of interpretability…

Artificial Intelligence · Computer Science 2025-06-23 Soobin Chae , Suhwan Lee , Hanna Hauptmann , Hajo A. Reijers , Xixi Lu

While interpretability is crucial for machine learning applications in safety-critical domains and for regulatory compliance, existing tabular foundation models like TabPFN lack transparency. Generalized Additive Models (GAMs) provide the…

Machine Learning · Computer Science 2026-02-06 Andreas Mueller , Julien Siems , Harsha Nori , David Salinas , Arber Zela , Rich Caruana , Frank Hutter

Multi-task and few-shot time series forecasting tasks are commonly encountered in scenarios such as the launch of new products in different cities. However, traditional time series forecasting methods suffer from insufficient historical…

Machine Learning · Computer Science 2025-06-25 Pengpeng Ouyang , Dong Chen , Tong Yang , Shuo Feng , Zhao Jin , Mingliang Xu