Peeking Inside the Schufa Blackbox: Explaining the German Housing Scoring System

Explainable Artificial Intelligence is a concept aimed at making complex algorithms transparent to users through a uniform solution. Researchers have highlighted the importance of integrating domain specific contexts to develop explanations tailored to end users. In this study, we focus on the Schufa housing scoring system in Germany and investigate how users information needs and expectations for explanations vary based on their roles. Using the speculative design approach, we asked business information students to imagine user interfaces that provide housing credit score explanations from the perspectives of both tenants and landlords. Our preliminary findings suggest that although there are general needs that apply to all users, there are also conflicting needs that depend on the practical realities of their roles and how credit scores affect them. We contribute to Human centered XAI research by proposing future research directions that examine users explanatory needs considering their roles and agencies.Comment: 7 pages, 3 figures, ACM CHI 2023 Workshop on Human-Centered Explainable AI (HCXAI

Catalytic Conversion of 5-Hydroxymethylfurfural and Fructose to 5-Ethoxymethylfurfural over Sulfonated Biochar Catalysts

5-Hydroxymethylfurfural (HMF) is a key platform compound that can be produced by the dehydration of typical carbohydrates like glucose and fructose. Among the derivatives of HMF, 5-ethoxymethylfurfural (EMF) is the etherification product of HMF with ethanol. Owing to some advantages (i.e., high energy density), EMF has been regarded as a potential liquid fuel. Therefore, catalytic conversion of   HMF and fructose to EMF is of significance, especially using heterogeneous catalysts. In this paper, we demonstrated the preparation of biomass-based catalysts for the synthesis of EMF from HMF and fructose. Some sulfonated biochar catalysts were prepared by the carbonization of biomass-based precursors at high temperature in N2, followed by the subsequent sulfonation process employing concentered H2SO4 as sulfonation reagent. The obtained catalysts were characterized by scanning electron microscope (SEM), Fourier transform infrared spectrometer (FT-IR), X-ray diffraction (XRD), and element analysis. The catalytic conversion of HMF to EMF was carried out in ethanol, providing a 78% yield with complete conversion at 120 °C. The catalytic activity of the used catalyst showed slight decrease for the etherification of HMF. Moreover, the catalysts were effective for the direct conversion of fructose towards EMF in 64.9% yield. Copyright © 2023 by Authors, Published by BCREC Group. This is an open access article under the CC BY-SA License (https://creativecommons.org/licenses/by-sa/4.0)