
Baseline validation of a bias-mitigated loan screening model based on the European Banking Authority's trust elements of Big Data & Advanced Analytics applications using Artificial Intelligence
The four-phase research project evaluates whether a machine-learning loan-screening application can identify bad loans while using a minimal set of features unrelated to credit history, gender, race or ethnicity and following European principles for trustworthy AI. The baseline study used historical and active loan datasets and found strong sensitivity, specificity and negative predictive value, supporting further prospective validation of bias-mitigated AI in credit and fintech applications.
Augmented Financial Technologies using proprietary Explainable Artificial Intelligence (XAI)
Go to publication >>
