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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…

机器学习 · 计算机科学 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…

机器学习 · 计算机科学 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…

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…

机器学习 · 计算机科学 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…

人工智能 · 计算机科学 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…

密码学与安全 · 计算机科学 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…

量子物理 · 物理学 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…

量子物理 · 物理学 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…

量子物理 · 物理学 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…

计算机视觉与模式识别 · 计算机科学 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…

机器学习 · 计算机科学 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…

计算机视觉与模式识别 · 计算机科学 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…

计量经济学 · 经济学 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…

计算工程、金融与科学 · 计算机科学 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…

机器学习 · 计算机科学 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…

计算机视觉与模式识别 · 计算机科学 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…

计算机视觉与模式识别 · 计算机科学 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…

机器学习 · 计算机科学 2021-01-21 Nadia Burkart , Marco F. Huber