Book Image

Interpretable Machine Learning with Python - Second Edition

By : Serg Masís
4 (4)
Book Image

Interpretable Machine Learning with Python - Second Edition

4 (4)
By: Serg Masís

Overview of this book

Interpretable Machine Learning with Python, Second Edition, brings to light the key concepts of interpreting machine learning models by analyzing real-world data, providing you with a wide range of skills and tools to decipher the results of even the most complex models. Build your interpretability toolkit with several use cases, from flight delay prediction to waste classification to COMPAS risk assessment scores. This book is full of useful techniques, introducing them to the right use case. Learn traditional methods, such as feature importance and partial dependence plots to integrated gradients for NLP interpretations and gradient-based attribution methods, such as saliency maps. In addition to the step-by-step code, you’ll get hands-on with tuning models and training data for interpretability by reducing complexity, mitigating bias, placing guardrails, and enhancing reliability. By the end of the book, you’ll be confident in tackling interpretability challenges with black-box models using tabular, language, image, and time series data.
Table of Contents (17 chapters)
15
Other Books You May Enjoy
16
Index

The mission

Over 2.8 billion credit cards are circulating worldwide, and we collectively spend over $25 trillion (US) on them every year (https://www.ft.com/content/ad826e32-2ee8-11e9-ba00-0251022932c8). This is an astronomical amount, no doubt, but the credit card industry’s size is best measured not by what is spent, but by what is owed. Card issuers such as banks make the bulk of their money from interest. So, the over $60 trillion owed by consumers (2022), of which credit card debt is a sizable portion, provides a steady income to lenders in the form of interest. It could be argued this is good for business, but it also poses ample risk because if a borrower defaults before the principal plus operation costs have been repaid, the lender could lose money, especially once they’ve exhausted legal avenues to collect the debt.

When there’s a credit bubble, this problem is compounded because an unhealthy level of debt can compromise lenders’ finances...