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In a context of constant increase in competition and heightened regulatory pressure, accuracy, actuarial precision, as well as transparency and understanding of the tariff, are key issues in non-life insurance. Traditionally used…

Applications · Statistics 2025-03-28 Markéta Krùpovà , Nabil Rachdi , Quentin Guibert

Explainable Boosting Machines (EBMs) provide transparent predictions through additive shape functions, enabling direct inspection of feature contributions. However, EBMs can learn non-physical relationships that reduce their reliability in…

Machine Learning · Computer Science 2026-03-19 Cheng-Hsi Hsiao , Krishna Kumar , Ellen M. Rathje

Compared to "black-box" models, like random forests and deep neural networks, explainable boosting machines (EBMs) are considered "glass-box" models that can be competitively accurate while also maintaining a higher degree of transparency…

Machine Learning · Statistics 2023-11-14 Brandon M. Greenwell , Annika Dahlmann , Saurabh Dhoble

Machine learning is becoming increasingly prevalent for tackling challenges in earthquake engineering and providing fairly reliable and accurate predictions. However, it is mostly unclear how decisions are made because machine learning…

Machine Learning · Computer Science 2023-01-13 Zeynep Tuna Deger , Gulsen Taskin Kaya , John W Wallace

The widespread adoption of complex machine learning models in high-stakes domains has brought the "black-box" problem to the forefront of responsible AI research. This paper aims at addressing this issue by improving the Explainable…

Machine Learning · Computer Science 2025-12-02 Isara Liyanage , Uthayasanker Thayasivam

Interpretability is a crucial aspect of machine learning models that enables humans to understand and trust the decision-making process of these models. In many real-world applications, the interpretability of models is essential for legal,…

Machine Learning · Statistics 2023-07-18 Shree Charran R , Sandipan Das Mahapatra

Most pregnancies and births result in a good outcome, but complications are not uncommon and when they do occur, they can be associated with serious implications for mothers and babies. Predictive modeling has the potential to improve…

The theory of boosting provides a computational framework for aggregating approximate weak learning algorithms, which perform marginally better than a random predictor, into an accurate strong learner. In the realizable case, the success of…

Machine Learning · Computer Science 2024-11-01 Udaya Ghai , Karan Singh

Gradient boosting machines (GBMs) based on decision trees consistently demonstrate state-of-the-art results on regression and classification tasks with tabular data, often outperforming deep neural networks. However, these models do not…

Machine Learning · Computer Science 2023-02-23 Tristan Cinquin , Tammo Rukat , Philipp Schmidt , Martin Wistuba , Artur Bekasov

Although most pregnancies result in a good outcome, complications are not uncommon and can be associated with serious implications for mothers and babies. Predictive modeling has the potential to improve outcomes through better…

Machine Learning · Computer Science 2023-10-18 Tomas M. Bosschieter , Zifei Xu , Hui Lan , Benjamin J. Lengerich , Harsha Nori , Ian Painter , Vivienne Souter , Rich Caruana

As machine learning models are increasingly deployed in high-stakes domains, the need for interpretability has grown to meet strict regulatory and accountability constraints. Despite this interest, systematic evaluations of inherently…

Machine Learning · Computer Science 2026-03-27 Mattia Billa , Giovanni Orlandi , Veronica Guidetti , Federica Mandreoli

A method for the local and global interpretation of a black-box model on the basis of the well-known generalized additive models is proposed. It can be viewed as an extension or a modification of the algorithm using the neural additive…

Machine Learning · Computer Science 2020-10-16 Andrei V. Konstantinov , Lev V. Utkin

In the early days of machine learning (ML), the emphasis was on developing complex algorithms to achieve best predictive performance. To understand and explain the model results, one had to rely on post hoc explainability techniques, which…

Machine Learning · Statistics 2023-05-26 Linwei Hu , Vijayan N. Nair , Agus Sudjianto , Aijun Zhang , Jie Chen

Energy-based models (EBMs) are powerful probabilistic models, but suffer from intractable sampling and density evaluation due to the partition function. As a result, inference in EBMs relies on approximate sampling algorithms, leading to a…

Machine Learning · Computer Science 2020-01-10 Dieterich Lawson , George Tucker , Bo Dai , Rajesh Ranganath

Missing values are a fundamental problem in data science. Many datasets have missing values that must be properly handled because the way missing values are treated can have large impact on the resulting machine learning model. In medical…

Machine Learning · Computer Science 2023-04-25 Zhi Chen , Sarah Tan , Urszula Chajewska , Cynthia Rudin , Rich Caruana

Boosted trees is a dominant ML model, exhibiting high accuracy. However, boosted trees are hardly intelligible, and this is a problem whenever they are used in safety-critical applications. Indeed, in such a context, rigorous explanations…

Artificial Intelligence · Computer Science 2022-09-19 Gilles Audemard , Jean-Marie Lagniez , Pierre Marquis , Nicolas Szczepanski

Low-order functional ANOVA (fANOVA) models have been rediscovered in the machine learning (ML) community under the guise of inherently interpretable machine learning. Explainable Boosting Machines or EBM (Lou et al. 2013) and GAMI-Net (Yang…

Machine Learning · Statistics 2023-12-19 Linwei Hu , Jie Chen , Vijayan N. Nair

Developing accurate models for traffic trajectory predictions is crucial for achieving fully autonomous driving. Various deep neural network models have been employed to address this challenge, but their black-box nature hinders…

Machine Learning · Computer Science 2024-02-13 Yasin Yousif , Jörg Müller

Gradient Boosting Machines (GBM) are hugely popular for solving tabular data problems. However, practitioners are not only interested in point predictions, but also in probabilistic predictions in order to quantify the uncertainty of the…

Machine Learning · Computer Science 2021-06-08 Olivier Sprangers , Sebastian Schelter , Maarten de Rijke

This work develops formal statistical inference procedures for machine learning ensemble methods. Ensemble methods based on bootstrapping, such as bagging and random forests, have improved the predictive accuracy of individual trees, but…

Machine Learning · Statistics 2015-09-11 Lucas Mentch , Giles Hooker
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