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Shapley Values - A Gentle Introduction
If you can’t explain it to a six-year-old, you don’t understand it yourself. – Albert Einstein One fear caused by machine learning (ML) models is that they are blackboxes that cannot be explained. Some are so complex that no one, not even domain experts, can understand why they make certain decisions. This is of particular concern when s...
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5 Key Considerations for Machine Learning in Fair Lending
This month, we hosted a virtual panel with industry leaders and explainable AI experts from Discover, BLDS, and H2O.ai to discuss the considerations in using machine learning to expand access to credit fairly and transparently and the challenges of governance and regulatory compliance. The event was moderated by Sri Ambati, Founder and CE...
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From GLM to GBM – Part 2
How an Economics Nobel Prize could revolutionize insurance and lending Part 2: The Business Value of a Better ModelIntroductionIn Part 1 , we proposed better revenue and managing regulatory requirements with machine learning (ML). We made the first part of the argument by showing how gradient boosting machines (GBM), a type of ML, can mat...
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From GLM to GBM - Part 1
How an Economics Nobel Prize could revolutionize insurance and lending Part 1: A New Solution to an Old ProblemIntroductionInsurance and credit lending are highly regulated industries that have relied heavily on mathematical modeling for decades. In order to provide explainable results for their models, data scientists and statisticians i...
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