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Full-Text Articles in Physical Sciences and Mathematics
A New Kind Of Data Science: The Need For Ethical Analytics, Jonathan Boardman
A New Kind Of Data Science: The Need For Ethical Analytics, Jonathan Boardman
Published and Grey Literature from PhD Candidates
Ethics can no longer be regarded as an add-on in data science and analytics. This paper argues for the necessity of formalizing a new, practically-oriented sub-discipline of AI ethics by outlining the needs, highlighting shortcomings in current approaches, and providing a framework for ethical analytics, which is concerned with the study of the ethical issues surrounding the development, deployment, and/or dissemination of ML/AI systems and data science research, as well as the development of tools and procedures to mitigate ethical harms. While data science and machine learning are primarily concerned with data from start to finish, ethical analytics is concerned …
Integrated Gradients Is A Nonlinear Generalization Of The Industry Standard Approach To Variable Attribution For Credit Risk Models, Jonathan Boardman, Md Shafiul Alam, Xiao Huang, Ying Xie
Integrated Gradients Is A Nonlinear Generalization Of The Industry Standard Approach To Variable Attribution For Credit Risk Models, Jonathan Boardman, Md Shafiul Alam, Xiao Huang, Ying Xie
Published and Grey Literature from PhD Candidates
In modern society, epistemic uncertainty limits trust in financial relationships, necessitating transparency and accountability mechanisms for both consumers and lenders. One upshot is that credit risk assessments must be explainable to the consumer. In the United States regulatory milieu, this entails both the identification of key factors in a decision and the provision of consistent actions that would improve standing. The traditionally accepted approach to explainable credit risk modeling involves generating scores with Generalized Linear Models (GLMs) - usually logistic regression, calculating the contribution of each predictor to the total points lost from the theoretical maximum, and generating reason codes …