Evidential reasoning for preprocessing uncertain categorical data for trustworthy decisions: An application on healthcare and finance

The uncertainty attributed by discrepant data in AI-enabled decisions is a critical challenge in highly regulated domains such as health care and finance. Ambiguity and incompleteness due to missing values in output and input attributes, respectively, is ubiquitous in these domains. It could have an adverse impact on a certain unrepresented set of people in the training data without a developer's intention to discriminate. The inherently non-numerical nature of categorical attributes than numerical attributes and the presence of incomplete and ambiguous categorical attributes in a dataset increases the uncertainty in decision-making. This paper addresses the challenges in handling categorical attributes as it is not addressed comprehensively in previous research. Three sources of uncertainties in categorical attributes are recognised in this research. The informational uncertainty, unforeseeable uncertainty in the decision task environment, and the uncertainty due to lack of pre-modelling explainability in categorical attributes are addressed in the proposed methodology on maximum likelihood evidential reasoning (MAKER). It can transform and impute incomplete and ambiguous categorical attributes into interpretable numerical features. It utilises a notion of weight and reliability to include subjective expert preference over a piece of evidence and the quality of evidence in a categorical attribute, respectively. The MAKER framework strives to integrate the recognised uncertainties in the transformed input data that allow a model to perceive data limitations during the training regime and acknowledge doubtful predictions by supporting trustworthy pre-modelling and post modelling explainability. The ability to handle uncertainty and its impact on explainability is demonstrated on a real-world healthcare and finance data for different missing data scenarios in three types of AI algorithms: deep-learning, tree-based, and rule-based model

Corporate Bankruptcy Prediction

Bankruptcy prediction is one of the most important research areas in corporate finance. Bankruptcies are an indispensable element of the functioning of the market economy, and at the same time generate significant losses for stakeholders. Hence, this book was established to collect the results of research on the latest trends in predicting the bankruptcy of enterprises. It suggests models developed for different countries using both traditional and more advanced methods. Problems connected with predicting bankruptcy during periods of prosperity and recession, the selection of appropriate explanatory variables, as well as the dynamization of models are presented. The reliability of financial data and the validity of the audit are also referenced. Thus, I hope that this book will inspire you to undertake new research in the field of forecasting the risk of bankruptcy

Fuzzy Sets, Fuzzy Logic and Their Applications

The present book contains 20 articles collected from amongst the 53 total submitted manuscripts for the Special Issue “Fuzzy Sets, Fuzzy Loigic and Their Applications” of the MDPI journal Mathematics. The articles, which appear in the book in the series in which they were accepted, published in Volumes 7 (2019) and 8 (2020) of the journal, cover a wide range of topics connected to the theory and applications of fuzzy systems and their extensions and generalizations. This range includes, among others, management of the uncertainty in a fuzzy environment; fuzzy assessment methods of human-machine performance; fuzzy graphs; fuzzy topological and convergence spaces; bipolar fuzzy relations; type-2 fuzzy; and intuitionistic, interval-valued, complex, picture, and Pythagorean fuzzy sets, soft sets and algebras, etc. The applications presented are oriented to finance, fuzzy analytic hierarchy, green supply chain industries, smart health practice, and hotel selection. This wide range of topics makes the book interesting for all those working in the wider area of Fuzzy sets and systems and of fuzzy logic and for those who have the proper mathematical background who wish to become familiar with recent advances in fuzzy mathematics, which has entered to almost all sectors of human life and activity

A Statistical Approach to the Alignment of fMRI Data

Multi-subject functional Magnetic Resonance Image studies are critical. The anatomical and functional structure varies across subjects, so the image alignment is necessary. We define a probabilistic model to describe functional alignment. Imposing a prior distribution, as the matrix Fisher Von Mises distribution, of the orthogonal transformation parameter, the anatomical information is embedded in the estimation of the parameters, i.e., penalizing the combination of spatially distant voxels. Real applications show an improvement in the classification and interpretability of the results compared to various functional alignment methods

A comparison of the CAR and DAGAR spatial random effects models with an application to diabetics rate estimation in Belgium

When hierarchically modelling an epidemiological phenomenon on a finite collection of sites in space, one must always take a latent spatial effect into account in order to capture the correlation structure that links the phenomenon to the territory. In this work, we compare two autoregressive spatial models that can be used for this purpose: the classical CAR model and the more recent DAGAR model. Differently from the former, the latter has a desirable property: its ρ parameter can be naturally interpreted as the average neighbor pair correlation and, in addition, this parameter can be directly estimated when the effect is modelled using a DAGAR rather than a CAR structure. As an application, we model the diabetics rate in Belgium in 2014 and show the adequacy of these models in predicting the response variable when no covariates are available

Designing Embodied Interactive Software Agents for E-Learning: Principles, Components, and Roles

Embodied interactive software agents are complex autonomous, adaptive, and social software systems with a digital embodiment that enables them to act on and react to other entities (users, objects, and other agents) in their environment through bodily actions, which include the use of verbal and non-verbal communicative behaviors in face-to-face interactions with the user. These agents have been developed for various roles in different application domains, in which they perform tasks that have been assigned to them by their developers or delegated to them by their users or by other agents. In computer-assisted learning, embodied interactive pedagogical software agents have the general task to promote human learning by working with students (and other agents) in computer-based learning environments, among them e-learning platforms based on Internet technologies, such as the Virtual Linguistics Campus (www.linguistics-online.com). In these environments, pedagogical agents provide contextualized, qualified, personalized, and timely assistance, cooperation, instruction, motivation, and services for both individual learners and groups of learners. This thesis develops a comprehensive, multidisciplinary, and user-oriented view of the design of embodied interactive pedagogical software agents, which integrates theoretical and practical insights from various academic and other fields. The research intends to contribute to the scientific understanding of issues, methods, theories, and technologies that are involved in the design, implementation, and evaluation of embodied interactive software agents for different roles in e-learning and other areas. For developers, the thesis provides sixteen basic principles (Added Value, Perceptible Qualities, Balanced Design, Coherence, Consistency, Completeness, Comprehensibility, Individuality, Variability, Communicative Ability, Modularity, Teamwork, Participatory Design, Role Awareness, Cultural Awareness, and Relationship Building) plus a large number of specific guidelines for the design of embodied interactive software agents and their components. Furthermore, it offers critical reviews of theories, concepts, approaches, and technologies from different areas and disciplines that are relevant to agent design. Finally, it discusses three pedagogical agent roles (virtual native speaker, coach, and peer) in the scenario of the linguistic fieldwork classes on the Virtual Linguistics Campus and presents detailed considerations for the design of an agent for one of these roles (the virtual native speaker)

Factors Influencing Customer Satisfaction towards E-shopping in Malaysia

Online shopping or e-shopping has changed the world of business and quite a few people have decided to work with these features. What their primary concerns precisely and the responses from the globalisation are the competency of incorporation while doing their businesses. E-shopping has also increased substantially in Malaysia in recent years. The rapid increase in the e-commerce industry in Malaysia has created the demand to emphasize on how to increase customer satisfaction while operating in the e-retailing environment. It is very important that customers are satisfied with the website, or else, they would not return. Therefore, a crucial fact to look into is that companies must ensure that their customers are satisfied with their purchases that are really essential from the ecommerce’s point of view. With is in mind, this study aimed at investigating customer satisfaction towards e-shopping in Malaysia. A total of 400 questionnaires were distributed among students randomly selected from various public and private universities located within Klang valley area. Total 369 questionnaires were returned, out of which 341 questionnaires were found usable for further analysis. Finally, SEM was employed to test the hypotheses. This study found that customer satisfaction towards e-shopping in Malaysia is to a great extent influenced by ease of use, trust, design of the website, online security and e-service quality. Finally, recommendations and future study direction is provided. Keywords: E-shopping, Customer satisfaction, Trust, Online security, E-service quality, Malaysia