Augmented Cross-Selling Through Explainable AI—A Case From Energy Retailing

The advance of Machine Learning (ML) has led to a strong interest in this technology to support decision making. While complex ML models provide predictions that are often more accurate than those of traditional tools, such models often hide the reasoning behind the prediction from their users, which can lead to lower adoption and lack of insight. Motivated by this tension, research has put forth Explainable Artificial Intelligence (XAI) techniques that uncover patterns discovered by ML. Despite the high hopes in both ML and XAI, there is little empirical evidence of the benefits to traditional businesses. To this end, we analyze data on 220,185 customers of an energy retailer, predict cross-purchases with up to 86% correctness (AUC), and show that the XAI method SHAP provides explanations that hold for actual buyers. We further outline implications for research in information systems, XAI, and relationship marketing

Interpretability of machine learning solutions in public healthcare : the CRISP-ML approach

Public healthcare has a history of cautious adoption for artificial intelligence (AI) systems. The rapid growth of data collection and linking capabilities combined with the increasing diversity of the data-driven AI techniques, including machine learning (ML), has brought both ubiquitous opportunities for data analytics projects and increased demands for the regulation and accountability of the outcomes of these projects. As a result, the area of interpretability and explainability of ML is gaining significant research momentum. While there has been some progress in the development of ML methods, the methodological side has shown limited progress. This limits the practicality of using ML in the health domain: the issues with explaining the outcomes of ML algorithms to medical practitioners and policy makers in public health has been a recognized obstacle to the broader adoption of data science approaches in this domain. This study builds on the earlier work which introduced CRISP-ML, a methodology that determines the interpretability level required by stakeholders for a successful real-world solution and then helps in achieving it. CRISP-ML was built on the strengths of CRISP-DM, addressing the gaps in handling interpretability. Its application in the Public Healthcare sector follows its successful deployment in a number of recent real-world projects across several industries and fields, including credit risk, insurance, utilities, and sport. This study elaborates on the CRISP-ML methodology on the determination, measurement, and achievement of the necessary level of interpretability of ML solutions in the Public Healthcare sector. It demonstrates how CRISP-ML addressed the problems with data diversity, the unstructured nature of data, and relatively low linkage between diverse data sets in the healthcare domain. The characteristics of the case study, used in the study, are typical for healthcare data, and CRISP-ML managed to deliver on these issues, ensuring the required level of interpretability of the ML solutions discussed in the project. The approach used ensured that interpretability requirements were met, taking into account public healthcare specifics, regulatory requirements, project stakeholders, project objectives, and data characteristics. The study concludes with the three main directions for the development of the presented cross-industry standard process

Big Data and Analytics: Issues and Challenges for the Past and Next Ten Years

In this paper we continue the minitrack series of papers recognizing issues and challenges identified in the field of Big Data and Analytics, from the past and going forward. As this field has evolved, it has begun to encompass other analytical regimes, notably AI/ML systems. In this paper we focus on two areas: continuing main issues for which some progress has been made and new and emerging issues which we believe form the basis for near-term and future research in Big Data and Analytics. The Bottom Line: Big Data and Analytics is healthy, is growing in scope and evolving in capability, and is finding applicability in more problem domains than ever before

Explainable Predictive Maintenance

Explainable Artificial Intelligence (XAI) fills the role of a critical interface fostering interactions between sophisticated intelligent systems and diverse individuals, including data scientists, domain experts, end-users, and more. It aids in deciphering the intricate internal mechanisms of ``black box'' Machine Learning (ML), rendering the reasons behind their decisions more understandable. However, current research in XAI primarily focuses on two aspects; ways to facilitate user trust, or to debug and refine the ML model. The majority of it falls short of recognising the diverse types of explanations needed in broader contexts, as different users and varied application areas necessitate solutions tailored to their specific needs. One such domain is Predictive Maintenance (PdM), an exploding area of research under the Industry 4.0 \& 5.0 umbrella. This position paper highlights the gap between existing XAI methodologies and the specific requirements for explanations within industrial applications, particularly the Predictive Maintenance field. Despite explainability's crucial role, this subject remains a relatively under-explored area, making this paper a pioneering attempt to bring relevant challenges to the research community's attention. We provide an overview of predictive maintenance tasks and accentuate the need and varying purposes for corresponding explanations. We then list and describe XAI techniques commonly employed in the literature, discussing their suitability for PdM tasks. Finally, to make the ideas and claims more concrete, we demonstrate XAI applied in four specific industrial use cases: commercial vehicles, metro trains, steel plants, and wind farms, spotlighting areas requiring further research.Comment: 51 pages, 9 figure

A Framework for AI-enabled Proactive mHealth with Automated Decision-making for a User’s Context

Health promotion is to enable people to take control over their health. Digital health with mHealth empowers users to establish proactive health, ubiquitously. The users shall have increased control over their health to improve their life by being proactive. To develop proactive health with the principles of prediction, prevention, and ubiquitous health, artificial intelligence with mHealth can play a pivotal role. There are various challenges for establishing proactive mHealth. For example, the system must be adaptive and provide timely interventions by considering the uniqueness of the user. The context of the user is also highly relevant for proactive mHealth. The context provides parameters as input along with information to formulate the current state of the user. Automated decision-making is significant with user-level decision-making as it enables decisions to promote well-being by technological means without human involvement. This paper presents a design framework of AI-enabled proactive mHealth that includes automated decision-making with predictive analytics, Just-in-time adaptive interventions and a P5 approach to mHealth. The significance of user-level decision-making for automated decision-making is presented. Furthermore, the paper provides a holistic view of the user's context with profile and characteristics. The paper also discusses the need for multiple parameters as inputs, and the identification of sources e.g., wearables, sensors, and other resources, with the challenges in the implementation of the framework. Finally, a proof-of-concept based on the framework provides design and implementation steps, architecture, goals, and feedback process. The framework shall provide the basis for the further development of AI-enabled proactive mHealth

Classification of Explainable Artificial Intelligence Methods through Their Output Formats

Machine and deep learning have proven their utility to generate data-driven models with high accuracy and precision. However, their non-linear, complex structures are often difficult to interpret. Consequently, many scholars have developed a plethora of methods to explain their functioning and the logic of their inferences. This systematic review aimed to organise these methods into a hierarchical classification system that builds upon and extends existing taxonomies by adding a significant dimension—the output formats. The reviewed scientific papers were retrieved by conducting an initial search on Google Scholar with the keywords “explainable artificial intelligence”; “explainable machine learning”; and “interpretable machine learning”. A subsequent iterative search was carried out by checking the bibliography of these articles. The addition of the dimension of the explanation format makes the proposed classification system a practical tool for scholars, supporting them to select the most suitable type of explanation format for the problem at hand. Given the wide variety of challenges faced by researchers, the existing XAI methods provide several solutions to meet the requirements that differ considerably between the users, problems and application fields of artificial intelligence (AI). The task of identifying the most appropriate explanation can be daunting, thus the need for a classification system that helps with the selection of methods. This work concludes by critically identifying the limitations of the formats of explanations and by providing recommendations and possible future research directions on how to build a more generally applicable XAI method. Future work should be flexible enough to meet the many requirements posed by the widespread use of AI in several fields, and the new regulation