اشترك بالحزمة الذهبية واحصل على وصول غير محدود شمرا أكاديميا
تسجيل مستخدم جديدCreation of User Friendly Datasets: Insights from a Case Study concerning Explanations of Loan Denials
110
0
0.0
(
0
)
اسأل ChatGPT حول البحث
ﻻ يوجد ملخص باللغة العربية
Most explainable AI (XAI) techniques are concerned with the design of algorithms to explain the AIs decision. However, the data that is used to train these algorithms may contain features that are often incomprehensible to an end-user even with the best XAI algorithms. Thus, the problem of explainability has to be addressed starting right from the data creation step. In this paper, we studied this problem considering the use-case of explaining loan denials to end-users as opposed to AI engineers or domain experts. Motivated by the lack of datasets that are representative of user-friendly explanations, we build the first-of-its-kind dataset that is representative of user-friendly explanations for loan denials. The paper shares some of the insights gained in curating the dataset. First, existing datasets seldom contain features that end users consider as acceptable in understanding a models decision. Second, understanding of the explanations context such as the human-in-the-loop seeking the explanation, and the purpose for which an explanation is sought, aids in the creation of user-friendly datasets. Thus, our dataset, which we call Xnet, also contains explanations that serve different purposes: those that educate the loan applicants, and help them take appropriate action towards a future approval. We hope this work will trigger the creation of new user friendly datasets, and serve as a guide for the curation of such datasets.
قيم البحث
اقرأ أيضاً
Financial decisions impact our lives, and thus everyone from the regulator to the consumer is interested in fair, sound, and explainable decisions. There is increasing competitive desire and regulatory incentive to deploy AI mindfully within financia
l services. An important mechanism towards that end is to explain AI decisions to various stakeholders. State-of-the-art explainable AI systems mostly serve AI engineers and offer little to no value to business decision makers, customers, and other stakeholders. Towards addressing this gap, in this work we consider the scenario of explaining loan denials. We build the first-of-its-kind dataset that is representative of loan-applicant friendly explanations. We design a novel Generative Adversarial Network (GAN) that can accommodate smaller datasets, to generate user-friendly textual explanations. We demonstrate how our system can also generate explanations serving different purposes: those that help educate the loan applicants, or help them take appropriate action towards a future approval.
In the digital era, individuals are increasingly profiled and grouped based on the traces they leave behind in online social networks such as Twitter and Facebook. In this paper, we develop and evaluate a novel text analysis approach for studying use
r identity and social roles by redefining identity as a sequence of timestamped items (e.g. tweet texts). We operationalise this idea by developing a novel text distance metric, the time-sensitive semantic edit distance (t-SED), which accounts for the temporal context across multiple traces. To evaluate this method we undertake a case study of Russian online-troll activity within US political discourse. The novel metric allows us to classify the social roles of trolls based on their traces, in this case tweets, into one of the predefined categories left-leaning, right-leaning, and news feed. We show the effectiveness of the t-SED metric to measure the similarities between tweets while accounting for the temporal context, and we use novel data visualisation techniques and qualitative analysis to uncover new empirical insights into Russian troll activity that have not been identified in previous work. Additionally, we highlight a connection with the field of Actor-Network Theory and the related hypotheses of Gabriel Tarde, and we discuss how social sequence analysis using t-SED may provide new avenues for tackling a longstanding problem in social theory: how to analyse society without separating reality into micro versus macro levels.
The proliferation of electric vehicles has spurred the research interest in technologies associated with it, for instance, batteries, and charging mechanisms. Moreover, the recent advancements in autonomous cars also encourage the enabling technologi
es to integrate and provide holistic applications. To this end, one key requirement for electric vehicles is to have an efficient, secure, and scalable infrastructure and framework for charging, billing, and auditing. However, the current manual charging systems for EVs may not be applicable to the autonomous cars that demand new, automatic, secure, efficient, and scalable billing and auditing mechanism. Owing to the distributed systems such as blockchain technology, in this paper, we propose a new charging and billing mechanism for electric vehicles that charge their batteries in a charging-on-the-move fashion. To meet the requirements of billing in electric vehicles, we leverage distributed ledger technology (DLT), a distributed peer-to-peer technology for micro-transactions. Our proof-of-concept implementation of the billing framework demonstrates the feasibility of such system in electric vehicles. It is also worth noting that the solution can easily be extended to the electric autonomous cars (EACs).
Unprecedented human mobility has driven the rapid urbanization around the world. In China, the fraction of population dwelling in cities increased from 17.9% to 52.6% between 1978 and 2012. Such large-scale migration poses challenges for policymakers
and important questions for researchers. To investigate the process of migrant integration, we employ a one-month complete dataset of telecommunication metadata in Shanghai with 54 million users and 698 million call logs. We find systematic differences between locals and migrants in their mobile communication networks and geographical locations. For instance, migrants have more diverse contacts and move around the city with a larger radius than locals after they settle down. By distinguishing new migrants (who recently moved to Shanghai) from settled migrants (who have been in Shanghai for a while), we demonstrate the integration process of new migrants in their first three weeks. Moreover, we formulate classification problems to predict whether a person is a migrant. Our classifier is able to achieve an F1-score of 0.82 when distinguishing settled migrants from locals, but it remains challenging to identify new migrants because of class imbalance. This classification setup holds promise for identifying new migrants who will successfully integrate into locals (new migrants that misclassified as locals).
In a variety of application settings, the user preference for a planning task - the precise optimization objective - is difficult to elicit. One possible remedy is planning as an iterative process, allowing the user to iteratively refine and modify e
xample plans. A key step to support such a process are explanations, answering user questions about the current plan. In particular, a relevant kind of question is Why does the plan you suggest not satisfy $p$?, where p is a plan property desirable to the user. Note that such a question pertains to plan space, i.e., the set of possible alternative plans. Adopting the recent approach to answer such questions in terms of plan-property dependencies, here we implement a tool and user interface for human-guided iterative planning including plan-space explanations. The tool runs in standard Web browsers, and provides simple user interfaces for both developers and users. We conduct a first user study, whose outcome indicates the usefulness of plan-property dependency explanations in iterative planning.
سجل دخول لتتمكن من نشر تعليقات
التعليقات
جاري جلب التعليقات
سجل دخول لتتمكن من متابعة معايير البحث التي قمت باختيارها
