Concept-based models can use controlled 'benign' information leakage to remain accurate and intervenable under real-world concept incompleteness by reframing their training objective.
An Interpretable Model with Globally Consistent Explanations for Credit Risk
2 Pith papers cite this work. Polarity classification is still indexing.
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abstract
We propose a possible solution to a public challenge posed by the Fair Isaac Corporation (FICO), which is to provide an explainable model for credit risk assessment. Rather than present a black box model and explain it afterwards, we provide a globally interpretable model that is as accurate as other neural networks. Our "two-layer additive risk model" is decomposable into subscales, where each node in the second layer represents a meaningful subscale, and all of the nonlinearities are transparent. We provide three types of explanations that are simpler than, but consistent with, the global model. One of these explanation methods involves solving a minimum set cover problem to find high-support globally-consistent explanations. We present a new online visualization tool to allow users to explore the global model and its explanations.
years
2026 2representative citing papers
Shapley values for LLM explanations in financial text are shown via theory and experiments to produce attributions consistent with financial reasoning.
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In Defense of Information Leakage in Concept-based Models
Concept-based models can use controlled 'benign' information leakage to remain accurate and intervenable under real-world concept incompleteness by reframing their training objective.
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Shapley in Context: Explaining Financial Language with Domain Expertise
Shapley values for LLM explanations in financial text are shown via theory and experiments to produce attributions consistent with financial reasoning.