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We propose a possible solution to a public challenge posed by the Fair Isaac Corporation (FICO), which is to provide an explainable model for credit risk assessment. Rather than present a black box model and explain it afterwards, we…

Machine Learning · Computer Science 2018-12-03 Chaofan Chen , Kangcheng Lin , Cynthia Rudin , Yaron Shaposhnik , Sijia Wang , Tong Wang

The increasing number of cyber threats and rapidly evolving tactics, as well as the high volume of data in recent years, have caused classical machine learning, rules, and signature-based defence strategies to fail, rendering them unable to…

Machine Learning · Computer Science 2025-12-18 Siva Sai , Ishika Goyal , Shubham Sharma , Sri Harshita Manuri , Vinay Chamola , Rajkumar Buyya

The lack of transparency in the decision-making processes of deep learning systems presents a significant challenge in modern artificial intelligence (AI), as it impairs users' ability to rely on and verify these systems. To address this…

Artificial Intelligence · Computer Science 2024-11-18 David Debot , Pietro Barbiero , Francesco Giannini , Gabriele Ciravegna , Michelangelo Diligenti , Giuseppe Marra

Explaining deep learning models is of vital importance for understanding artificial intelligence systems, improving safety, and evaluating fairness. To better understand and control the CNN model, many methods for…

Machine Learning · Computer Science 2022-11-24 Zhihao Wang , Chuang Zhu

The impressive performance of deep learning models, particularly Convolutional Neural Networks (CNNs), is often hindered by their lack of interpretability, rendering them "black boxes." This opacity raises concerns in critical areas like…

Artificial Intelligence · Computer Science 2024-10-23 John M. Willis

There has been a large number of studies in interpretable and explainable ML for cybersecurity, in particular, for intrusion detection. Many of these studies have significant amount of overlapping and repeated evaluations and analysis. At…

Cryptography and Security · Computer Science 2024-07-08 Omer Subasi , Johnathan Cree , Joseph Manzano , Elena Peterson

Machine learning and quantum machine learning (QML) have gained significant importance, as they offer powerful tools for tackling complex computational problems across various domains. This work gives an extensive overview of QML uses in…

Quantum machine learning (QML) is a promising early use case for quantum computing. There has been progress in the last five years from theoretical studies and numerical simulations to proof of concepts. Use cases demonstrated on…

Quantum Physics · Physics 2024-04-30 Daniel Goldsmith , M M Hassan Mahmud

Quantum Machine Learning (QML) has come into the limelight due to the exceptional computational abilities of quantum computers. With the promises of near error-free quantum computers in the not-so-distant future, it is important that the…

Quantum Physics · Physics 2024-02-26 Jishnu Mahmud , Raisa Mashtura , Shaikh Anowarul Fattah , Mohammad Saquib

Quantum machine learning (QML) is a cross-disciplinary subject made up of two of the most exciting research areas: quantum computing and classical machine learning (ML), with ML and artificial intelligence (AI) being projected as the first…

Quantum Physics · Physics 2025-02-27 Santanu Ganguly

Convolutional Neural Networks have been known as black-box models as humans cannot interpret their inner functionalities. With an attempt to make CNNs more interpretable and trustworthy, we propose IS-CAM (Integrated Score-CAM), where we…

Computer Vision and Pattern Recognition · Computer Science 2020-10-08 Rakshit Naidu , Ankita Ghosh , Yash Maurya , Shamanth R Nayak K , Soumya Snigdha Kundu

Quantum Machine Learning (QML) represents a promising frontier at the intersection of quantum computing and artificial intelligence, aiming to leverage quantum computational advantages to enhance data-driven tasks. This review explores the…

Machine Learning · Computer Science 2025-07-14 Samarth Kashyap , Rohit K Ramakrishnan , Kumari Jyoti , Apoorva D Patel

This paper reviews recent studies in understanding neural-network representations and learning neural networks with interpretable/disentangled middle-layer representations. Although deep neural networks have exhibited superior performance…

Computer Vision and Pattern Recognition · Computer Science 2018-02-08 Quanshi Zhang , Song-Chun Zhu

The lack of interpretability and transparency are preventing economists from using advanced tools like neural networks in their empirical research. In this paper, we propose a class of interpretable neural network models that can achieve…

Econometrics · Economics 2020-12-01 Yucheng Yang , Zhong Zheng , Weinan E

Credit scoring is vital in the financial industry, assessing the risk of lending to credit card applicants. Traditional credit scoring methods face challenges with large datasets and data imbalance between creditworthy and non-creditworthy…

Computational Engineering, Finance, and Science · Computer Science 2024-09-26 Kejian Tong , Zonglin Han , Yanxin Shen , Yujian Long , Yijing Wei

Credit scoring is a major application of machine learning for financial institutions to decide whether to approve or reject a credit loan. For sake of reliability, it is necessary for credit scoring models to be both accurate and globally…

Machine Learning · Computer Science 2021-02-25 Qiang Liu , Zhaocheng Liu , Haoli Zhang , Yuntian Chen , Jun Zhu

Image classification is a major application domain for conventional deep learning (DL). Quantum machine learning (QML) has the potential to revolutionize image classification. In any typical DL-based image classification, we use…

Computer Vision and Pattern Recognition · Computer Science 2021-09-21 Mahabubul Alam , Satwik Kundu , Rasit Onur Topaloglu , Swaroop Ghosh

Accurate prediction of future loan defaults is a critical capability for financial institutions that provide lines of credit. For institutions that issue and manage extensive loan volumes, even a slight improvement in default prediction…

Digital mammography is essential to breast cancer detection, and deep learning offers promising tools for faster and more accurate mammogram analysis. In radiology and other high-stakes environments, uninterpretable ("black box") deep…

Computer Vision and Pattern Recognition · Computer Science 2024-06-11 Julia Yang , Alina Jade Barnett , Jon Donnelly , Satvik Kishore , Jerry Fang , Fides Regina Schwartz , Chaofan Chen , Joseph Y. Lo , Cynthia Rudin

Predictions obtained by, e.g., artificial neural networks have a high accuracy but humans often perceive the models as black boxes. Insights about the decision making are mostly opaque for humans. Particularly understanding the decision…

Machine Learning · Computer Science 2021-01-21 Nadia Burkart , Marco F. Huber