An explainable AI decision-support-system to automate loan underwriting

作者：

Highlights：

• An explainable system to automated loan underwriting is proposed.

• It can accommodate human knowledge and can learn from credit data.

• Provide transparency by revealing a chain of events leading to a decision.

• Provide textual explanation for a rejected loan application.

摘要

•An explainable system to automated loan underwriting is proposed.•It can accommodate human knowledge and can learn from credit data.•Provide transparency by revealing a chain of events leading to a decision.•Provide textual explanation for a rejected loan application.

论文关键词：Explainable artificial intelligence,Interpretable machine learning,Loan underwriting,Evidential reasoning,Belief-rule-base,Automated decision making

论文评审过程：Received 26 April 2019, Revised 31 October 2019, Accepted 23 November 2019, Available online 27 November 2019, Version of Record 6 December 2019.

论文官网地址：https://doi.org/10.1016/j.eswa.2019.113100