FICO Score Research: Explainable AI for Credit Scoring
FICO Scores R&D has empirically investigated potential benefits and risks associated with using some of the latest AI and machine learning approaches for credit scoring.
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Gerald Fahner
Dr. Gerald Fahner is Senior Principal Scientist in FICO’s Scores division. He specializes on innovative algorithms that turn data and domain knowledge into superior insights, predictions, and decisions. Gerald is also responsible for the core algorithms underlying FICO’s Scorecard development platform. His work on causal modelling won the Best Paper award at the Credit Scoring and Credit Control XI conference and was also awarded a patent. Gerald also holds patents in the areas of marketing analytics and analytic value chain modeling. Prior to joining FICO in 1996, he served as a researcher in artificial intelligence, neural networks and robotics at the International Computer Science Institute in Berkeley, and earned his Computer Science doctorate from University of Bonn.
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Explainable AI and the FICO Score
My presentation on “Transparency by Design: An Explainable AI Approach to Credit Risk Scoring” discusses our application of recent machine learning technologies to challenge the US…
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FICO Scores, Artificial Intelligence and Machine Learning
How are advances in artificial intelligence and machine learning changing credit risk assessment? That’s a topic I’ll be exploring in three presentations at FICO World 2018.
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How New Risk Analytics Stress-Test Individual Consumers
Want to know which consumers will more likely default when they encounter an unpredicted financial stress situation in the future? Traditional risk scores won’t give you the full p…
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Four Ways We Can Build Trust in Analytics
As analytic advancements reach ever deeper into people’s lives — as every aspect of individuals is analyzed to drive decisions by businesses and other institutions — the need for p…
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Engaging Fickle Customers and Tackling Silent Attrition
At the Credit Scoring and Credit Control XIV conference August 26-28, I will be discussing innovative analytic techniques and applications revolving around engaging fickle customer…
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Superior Scorecards at Warp Speed: Algorithmic Learning Meets Domain Expertise
By Dr. Gerald Fahner Today, debates are raging in blogs as to whether Big Data and machine learning render domain expertise obsolete. Personally, I do not think it is an either o…
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What’s Even Better than Big Data? Designed Big Data!
By Dr. Gerald Fahner During the dawn of commercialized analytics, in 1958, FICO applied predictive modeling to credit decisions. In the 90’s Edward Lewis wisely instructed credit…
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FICO World Preview: Combining Machine Learning and Human Expertise to Engineer Better Predictive Models
By Dr. Gerald Fahner In the Harvard Business Review article “Good Data Won’t Guarantee Good Decisions,” Shvetank Shah, Andrew Horne and Jaime Capellá argued that “Big Data” won’t…
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