相关论文: Fighting Sampling Bias: A Framework for Training a…

Credit scoring models support loan approval decisions in the financial services industry. Lenders train these models on data from previously granted credit applications, where the borrowers' repayment behavior has been observed. This…

Given a supervised machine learning problem where the training set has been subject to a known sampling bias, how can a model be trained to fit the original dataset? We achieve this through the Bayesian inference framework by altering the…

Bias can be introduced in diverse ways in machine learning datasets, for example via selection or label bias. Although these bias types in themselves have an influence on important aspects of fair machine learning, their different impact…

Increasingly, software is making autonomous decisions in case of criminal sentencing, approving credit cards, hiring employees, and so on. Some of these decisions show bias and adversely affect certain social groups (e.g. those defined by…

Machine learning currently plays an increasingly important role in people's lives in areas such as credit scoring, auto-driving, disease diagnosing, and insurance quoting. However, in many of these areas, machine learning models have…

Credit scoring models based on accepted applications may be biased and their consequences can have a statistical and economic impact. Reject inference is the process of attempting to infer the creditworthiness status of the rejected…

Discrimination can occur when the underlying unbiased labels are overwritten by an agent with potential bias, resulting in biased datasets that unfairly harm specific groups and cause classifiers to inherit these biases. In this paper, we…

The widespread use of machine learning in credit scoring has brought significant advancements in risk assessment and decision-making. However, it has also raised concerns about potential biases, discrimination, and lack of transparency in…

This paper investigates the application of machine learning when training a credit decision model over real, publicly available data whilst accounting for "bias objectives". We use the term "bias objective" to describe the requirement that…

Prior work has shown that Visual Recognition datasets frequently underrepresent bias groups $B$ (\eg Female) within class labels $Y$ (\eg Programmers). This dataset bias can lead to models that learn spurious correlations between class…

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…

This study conducts a benchmarking study, comparing 23 different statistical and machine learning methods in a credit scoring application. In order to do so, the models' performance is evaluated over four different data sets in combination…

Datasets are rarely a realistic approximation of the target population. Say, prevalence is misrepresented, image quality is above clinical standards, etc. This mismatch is known as sampling bias. Sampling biases are a major hindrance for…

Most data for evaluating and training recommender systems is subject to selection biases, either through self-selection by the users or through the actions of the recommendation system itself. In this paper, we provide a principled approach…

Algorithms deployed in education can shape the learning experience and success of a student. It is therefore important to understand whether and how such algorithms might create inequalities or amplify existing biases. In this paper, we…

Presence of bias (in datasets or tasks) is inarguably one of the most critical challenges in machine learning applications that has alluded to pivotal debates in recent years. Such challenges range from spurious associations between…

Learning with noisy labels aims to ensure model generalization given a label-corrupted training set. The sample selection strategy achieves promising performance by selecting a label-reliable subset for model training. In this paper, we…

Increasing users' positive interactions, such as purchases or clicks, is an important objective of recommender systems. Recommenders typically aim to select items that users will interact with. If the recommended items are purchased, an…

Selection bias arises when the probability that an observation enters a dataset depends on variables related to the quantities of interest, leading to systematic distortions in estimation and uncertainty quantification. For example, in…

FinTech lending (e.g., micro-lending) has played a significant role in facilitating financial inclusion. It has reduced processing times and costs, enhanced the user experience, and made it possible for people to obtain loans who may not…