Increasing trust and fairness in machine learning applications within the mortgage industry

The integration of machine learning in applications provides opportunities for increased efficiency in many organisations. However, the deployment of such systems is often hampered by the lack of insight into how their decisions are reached, resulting in concerns about trust and fairness. In this article, we investigate to what extent the addition of explainable AI components to ML applications can contribute to alleviating these issues. As part of this research, explainable AI functionality was developed for an existing ML model used for mortgage fraud detection at a large international financial institution based in The Netherlands A system implementing local explanation techniques was deployed to support the day-to-day work of fraud detection experts working with the model. In addition, a second system implementing global explanation techniques was developed to support the model management processes involving data-scientists, legal experts and compliance officers. A controlled experiment using actual mortgage applications was carried out to measure the effectiveness of these two systems, using both quantitative and qualitative assessment methods. Our results show that the addition of explainable AI functionality results in a statistically significant improvement in the levels of trust and usability by its daily users. The explainable AI system implementing global interpretability was found to considerably increase confidence in the ability to perform the processes focused on compliance and fairness. In particular, bias detection towards demographic groups successfully aided in the identification and removal of bias towards applicants with a migration background

Ikebana: Ohara School [014]

Photograph of Ikebana arrangement and statue of the Bodhisattva Maitreya (called Miroku Bosatsu), Tokyo, JapanBegonia and Susuki grass in br. moon, Houn Ohara, Ohara School, Tokyo, Japan. (On left: Miroku Bosatsu

Erlernen der chirurgischen Knoten- und Nahttechnik - Effekte verschiedener Trainingsformen in einer kontrolliert-randomisierten Studie mit Studierenden der Zahnmedizin

Objective: The acquisition of surgical skills requires motor learning. A special form of this is intermanual transfer by transferring motor skills from the nondominant hand (NDH) to the dominant hand (DH). The purpose of this study was to determine the learning gains that can be achieved for the DH by training with the DH, the NDH, and by non-surgical alternative training (AT).Methods: 124 preclinical (n=62) and clinical (n=62) dental students completed surgical knot tying and suturing technique training with the DH, with the NDH, and an AT in a controlled randomized trial. Results: A statistically significant learning gain in knot tying and suture technique with the DH was evident only after training with the DH when compared to training with the NDH (p=4 OSATS points, 46.4% (n=32) benefited in their knot tying technique with the DH from training with the DH, 29.0% (n=20) from training with the NDH, and 24.6% (n=17) from an AT while 45.7% (n=32) benefited in their suturing technique with the DH from training with the DH, 31.4% (n=22) from training with the NDH, and 22, 9% (n=16) from an AT.Conclusions: Training with the DH enabled significantly better learning gains in the surgical knot tying and suturing techniques with the DH.Zielsetzung: Der Erwerb chirurgischer Fertigkeiten erfordert motorisches Lernen. Eine Sonderform davon ist der intermanuelle Transfer durch Übertragung motorischer Fertigkeiten von der nicht-dominanten Hand (NDH) auf die dominante Hand (DH). Mit Hilfe dieser Studie sollte ermittelt werden, welcher Lernzuwachs durch ein Training mit der DH, der NDH und durch ein nicht-chirurgisches, alternatives Training (AT) für die DH erzielt werden kann.Methodik: 124 Studierende des vorklinischen (n=62) und des klinischen Studienabschnitts (n=62) der Zahnmedizin absolvierten ein Training der Naht- und Knotentechnik mit der DH, mit der NDH und ein AT in einer kontrolliert randomisierten Studie. Ergebnisse: Ein statistisch signifikanter Lernzuwachs in der Knoten- und Nahttechnik mit der DH zeigte sich nur nach dem Training mit der DH im Vergleich zum Training mit der NDH (p=4 Punkte) profitierten 46,4% (n=32) von einem Training mit der DH, 29,0% (n=20) von einem Training mit der NDH und 24,6% (n=17) von einem AT. Bei der Nahttechnik mit der DH profitierten 45,7% (n=32) von einem Training mit der DH, 31,4% (n=22) von einem Training mit der NDH und 22, 9% (n=16) von einem AT.Schlussfolgerungen: Ein Training mit der DH zeigte einen statistisch signifikanten Lernzuwachs bei der chirurgischen Knoten- und Nahttechnik mit der DH