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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'…

机器学习 · 计算机科学 2026-03-06 Huyen Giang Thi Thu , Thang Viet Doan , Ha-Bang Ban , Tai Le Quy

Software built on top of machine learning algorithms is becoming increasingly prevalent in a variety of fields, including college admissions, healthcare, insurance, and justice. The effectiveness and efficiency of these systems heavily…

机器学习 · 计算机科学 2023-05-25 Ying Xiao , Shangwen Wang , Sicen Liu , Dingyuan Xue , Xian Zhan , Yepang Liu

Scoring models support decision-making in financial institutions. Their estimation and evaluation are based on the data of previously accepted applicants with known repayment behavior. This creates sampling bias: the available labeled data…

Algorithms learned from data are increasingly used for deciding many aspects in our life: from movies we see, to prices we pay, or medicine we get. Yet there is growing evidence that decision making by inappropriately trained algorithms may…

人工智能 · 计算机科学 2017-08-03 Indre Zliobaite

Machine learning (ML) algorithms are increasingly deployed to make critical decisions in socioeconomic applications such as finance, criminal justice, and autonomous driving. However, due to their data-driven and pattern-seeking nature, ML…

软件工程 · 计算机科学 2026-01-08 Verya Monjezi , Ashish Kumar , Ashutosh Trivedi , Gang Tan , Saeid Tizpaz-Niari

Machine learning algorithms often struggle to eliminate inherent data biases, particularly those arising from unreliable labels, which poses a significant challenge in ensuring fairness. Existing fairness techniques that address label bias…

机器学习 · 计算机科学 2024-12-17 Yixuan Zhang , Zhidong Li , Yang Wang , Fang Chen , Xuhui Fan , Feng Zhou

The issue of fairness in machine learning models has recently attracted a lot of attention as ensuring it will ensure continued confidence of the general public in the deployment of machine learning systems. We focus on mitigating the harm…

机器学习 · 统计学 2021-02-24 Thomas Kehrenberg , Zexun Chen , Novi Quadrianto

It is widely accepted that biased data leads to biased and thus potentially unfair models. Therefore, several measures for bias in data and model predictions have been proposed, as well as bias mitigation techniques whose aim is to learn…

机器学习 · 计算机科学 2024-03-26 Marco Favier , Toon Calders , Sam Pinxteren , Jonathan Meyer

Bias is known to be an impediment to fair decisions in many domains such as human resources, the public sector, health care etc. Recently, hope has been expressed that the use of machine learning methods for taking such decisions would…

机器学习 · 计算机科学 2019-09-05 Jindong Gu , Daniela Oelke

With fairness concerns gaining significant attention in Machine Learning (ML), several bias mitigation techniques have been proposed, often compared against each other to find the best method. These benchmarking efforts tend to use a common…

机器学习 · 计算机科学 2024-11-20 Prakhar Ganesh , Usman Gohar , Lu Cheng , Golnoosh Farnadi

Machine learning has significantly enhanced the abilities of robots, enabling them to perform a wide range of tasks in human environments and adapt to our uncertain real world. Recent works in various machine learning domains have…

机器人学 · 计算机科学 2023-10-31 Laura Londoño , Juana Valeria Hurtado , Nora Hertz , Philipp Kellmeyer , Silja Voeneky , Abhinav Valada

Biased human decisions have consequential impacts across various domains, yielding unfair treatment of individuals and resulting in suboptimal outcomes for organizations and society. In recognition of this fact, organizations regularly…

机器学习 · 计算机科学 2024-12-11 Wanxue Dong , Maria De-Arteaga , Maytal Saar-Tsechansky

Machine learning actively impacts our everyday life in almost all endeavors and domains such as healthcare, finance, and energy. As our dependence on the machine learning increases, it is inevitable that these algorithms will be used to…

机器学习 · 计算机科学 2021-02-23 Ankit Kulshrestha , Ilya Safro

Machine learning decision systems are getting omnipresent in our lives. From dating apps to rating loan seekers, algorithms affect both our well-being and future. Typically, however, these systems are not infallible. Moreover, complex…

机器学习 · 统计学 2022-02-15 Jakub Wiśniewski , Przemysław Biecek

Modern software relies heavily on data and machine learning, and affects decisions that shape our world. Unfortunately, recent studies have shown that because of biases in data, software systems frequently inject bias into their decisions,…

机器学习 · 计算机科学 2020-12-21 Brittany Johnson , Jesse Bartola , Rico Angell , Katherine Keith , Sam Witty , Stephen J. Giguere , Yuriy Brun

Software bias is an increasingly important operational concern for software engineers. We present a large-scale, comprehensive empirical study of 17 representative bias mitigation methods for Machine Learning (ML) classifiers, evaluated…

软件工程 · 计算机科学 2023-02-13 Zhenpeng Chen , Jie M. Zhang , Federica Sarro , Mark Harman

As Machine Learning technologies become increasingly used in contexts that affect citizens, companies as well as researchers need to be confident that their application of these methods will not have unexpected social implications, such as…

机器学习 · 计算机科学 2025-03-06 Simon Caton , Christian Haas

Decision making in crucial applications such as lending, hiring, and college admissions has witnessed increasing use of algorithmic models and techniques as a result of a confluence of factors such as ubiquitous connectivity, ability to…

人工智能 · 计算机科学 2020-09-08 G Roshan Lal , Sahin Cem Geyik , Krishnaram Kenthapadi

Artificial Intelligence (AI) has been used extensively in automatic decision making in a broad variety of scenarios, ranging from credit ratings for loans to recommendations of movies. Traditional design guidelines for AI models focus…

人工智能 · 计算机科学 2018-09-27 Marisa Vasconcelos , Carlos Cardonha , Bernardo Gonçalves

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…

机器学习 · 统计学 2022-06-20 Nikita Kozodoi , Johannes Jacob , Stefan Lessmann