Manual approvals are still used by banks and other NGOs to approve loans. It takes time and is prone to mistakes because it is controlled by a bank employee. Several fields of machine learning mining technologies have been utilized to enhance various areas of credit rating forecast. A major goal of this research is to look at current sentiment analysis techniques that are being used to generate creditworthiness.

An integral part of seamless human-human communication is engagement, the process by which two or more participants establish, maintain, and end their perceived connection. Therefore, to develop successful human-centered human-machine interaction applications, automatic engagement inference is one of the tasks required to achieve engaging interactions between humans and machines, and to make machines attuned to their users, hence enhancing user satisfaction and technology acceptance. Several factors contribute to engagement state inference, which include the interaction context and interactants' behaviours and identity. Indeed, engagement is a multi-faceted and multi-modal construct that requires high accuracy in the analysis and interpretation of contextual, verbal and non-verbal cues. Thus, the development of an automated and intelligent system that accomplishes this task has been proven to be challenging so far. This paper presents a comprehensive survey on previous work in engagement inference for human-machine interaction, entailing interdisciplinary definition, engagement components and factors, publicly available datasets, ground truth assessment, and most commonly used features and methods, serving as a guide for the development of future human-machine interaction interfaces with reliable context-aware engagement inference capability. An in-depth review across embodied and disembodied interaction modes, and an emphasis on the interaction context of which engagement perception modules are integrated sets apart the presented survey from existing surveys.

Decision trees (DTs) epitomize the ideal of interpretability of machine learning (ML) models. The interpretability of decision trees motivates explainability approaches by so-called intrinsic interpretability, and it is at the core of recent proposals for applying interpretable ML models in high-risk applications. The belief in DT interpretability is justified by the fact that explanations for DT predictions are generally expected to be succinct. Indeed, in the case of DTs, explanations correspond to DT paths. Since decision trees are ideally shallow, and so paths contain far fewer features than the total number of features, explanations in DTs are expected to be succinct, and hence interpretable. This paper offers both theoretical and experimental arguments demonstrating that, as long as interpretability of decision trees equates with succinctness of explanations, then decision trees ought not be deemed interpretable. The paper introduces logically rigorous path explanations and path explanation redundancy, and proves that there exist functions for which decision trees must exhibit paths with arbitrarily large explanation redundancy. The paper also proves that only a very restricted class of functions can be represented with DTs that exhibit no explanation redundancy. In addition, the paper includes experimental results substantiating that path explanation redundancy is observed ubiquitously in decision trees, including those obtained using different tree learning algorithms, but also in a wide range of publicly available decision trees. The paper also proposes polynomial-time algorithms for eliminating path explanation redundancy, which in practice require negligible time to compute. Thus, these algorithms serve to indirectly attain irreducible, and so succinct, explanations for decision trees.

Medical imaging is crucial in modern clinics to guide the diagnosis and treatment of diseases. Medical image reconstruction is one of the most fundamental and important components of medical imaging, whose major objective is to acquire high-quality medical images for clinical usage at minimal cost and risk to the patients. Mathematical models in medical image reconstruction or, more generally, image restoration in computer vision, have been playing a prominent role. Earlier mathematical models are mostly designed by human knowledge or hypothesis on the image to be reconstructed, and we shall call these models handcrafted models. Later, handcrafted plus data-driven modeling started to emerge which still mostly relies on human designs, while part of the model is learned from the observed data. More recently, as more data and computation resources are made available, deep learning based models (or deep models) pushed data-driven modeling to the extreme where the models are mostly based on learning with minimal human designs. Both handcrafted and data-driven modeling have their own advantages and disadvantages. One of the major research trends in medical imaging is to combine handcrafted modeling with deep modeling so that we can enjoy benefits from both approaches. The major part of this article is to provide a conceptual review of some recent works on deep modeling from the unrolling dynamics viewpoint. This viewpoint stimulates new designs of neural network architectures with inspiration from optimization algorithms and numerical differential equations. Given the popularity of deep modeling, there are still vast remaining challenges in the field, as well as opportunities which we shall discuss at the end of this article.

This paper reviews the entire engineering process of trustworthy Machine Learning (ML) algorithms designed to equip critical systems with advanced analytics and decision functions. We start from the fundamental principles of ML and describe the core elements conditioning its trust, particularly through its design: namely domain specification, data engineering, design of the ML algorithms, their implementation, evaluation and deployment. The latter components are organized in an unique framework for the design of trusted ML systems.

We consider the problem of optimization of deep learning models with smooth activation functions. While there exist influential results on the problem from the ``near initialization'' perspective, we shed considerable new light on the problem. In particular, we make two key technical contributions for such models with $L$ layers, $m$ width, and $\sigma_0^2$ initialization variance. First, for suitable $\sigma_0^2$, we establish a $O(\frac{\text{poly}(L)}{\sqrt{m}})$ upper bound on the spectral norm of the Hessian of such models, considerably sharpening prior results. Second, we introduce a new analysis of optimization based on Restricted Strong Convexity (RSC) which holds as long as the squared norm of the average gradient of predictors is $\Omega(\frac{\text{poly}(L)}{\sqrt{m}})$ for the square loss. We also present results for more general losses. The RSC based analysis does not need the ``near initialization" perspective and guarantees geometric convergence for gradient descent (GD). To the best of our knowledge, ours is the first result on establishing geometric convergence of GD based on RSC for deep learning models, thus becoming an alternative sufficient condition for convergence that does not depend on the widely-used Neural Tangent Kernel (NTK). We share preliminary experimental results supporting our theoretical advances.

To discover new drugs is to seek and to prove causality. As an emerging approach leveraging human knowledge and creativity, data, and machine intelligence, causal inference holds the promise of reducing cognitive bias and improving decision making in drug discovery. While it has been applied across the value chain, the concepts and practice of causal inference remain obscure to many practitioners. This article offers a non-technical introduction to causal inference, reviews its recent applications, and discusses opportunities and challenges of adopting the causal language in drug discovery and development.

Humans are naturally endowed with the ability to write in a particular style. They can, for instance, re-phrase a formal letter in an informal way, convey a literal message with the use of figures of speech or edit a novel by mimicking the style of some well-known authors. Automating this form of creativity constitutes the goal of style transfer. As a natural language generation task, style transfer aims at rewriting existing texts, and specifically, it creates paraphrases that exhibit some desired stylistic attributes. From a practical perspective, it envisions beneficial applications, like chatbots that modulate their communicative style to appear empathetic, or systems that automatically simplify technical articles for a non-expert audience. Several style-aware paraphrasing methods have attempted to tackle style transfer. A handful of surveys give a methodological overview of the field, but they do not support researchers to focus on specific styles. With this paper, we aim at providing a comprehensive discussion of the styles that have received attention in the transfer task. We organize them in a hierarchy, highlighting the challenges for the definition of each of them, and pointing out gaps in the current research landscape. The hierarchy comprises two main groups. One encompasses styles that people modulate arbitrarily, along the lines of registers and genres. The other group corresponds to unintentionally expressed styles, due to an author's personal characteristics. Hence, our review shows how these groups relate to one another, and where specific styles, including some that have not yet been explored, belong in the hierarchy. Moreover, we summarize the methods employed for different stylistic families, hinting researchers towards those that would be the most fitting for future research.

Language models are increasingly attracting interest from writers. However, such models lack long-range semantic coherence, limiting their usefulness for longform creative writing. We address this limitation by applying language models hierarchically, in a system we call Dramatron. By building structural context via prompt chaining, Dramatron can generate coherent scripts and screenplays complete with title, characters, story beats, location descriptions, and dialogue. We illustrate Dramatron's usefulness as an interactive co-creative system with a user study of 15 theatre and film industry professionals. Participants co-wrote theatre scripts and screenplays with Dramatron and engaged in open-ended interviews. We report critical reflections both from our interviewees and from independent reviewers who watched stagings of the works to illustrate how both Dramatron and hierarchical text generation could be useful for human-machine co-creativity. Finally, we discuss the suitability of Dramatron for co-creativity, ethical considerations -- including plagiarism and bias -- and participatory models for the design and deployment of such tools.

Existing self-supervised learning strategies are constrained to either a limited set of objectives or generic downstream tasks that predominantly target uni-modal applications. This has isolated progress for imperative multi-modal applications that are diverse in terms of complexity and domain-affinity, such as meme analysis. Here, we introduce two self-supervised pre-training methods, namely Ext-PIE-Net and MM-SimCLR that (i) employ off-the-shelf multi-modal hate-speech data during pre-training and (ii) perform self-supervised learning by incorporating multiple specialized pretext tasks, effectively catering to the required complex multi-modal representation learning for meme analysis. We experiment with different self-supervision strategies, including potential variants that could help learn rich cross-modality representations and evaluate using popular linear probing on the Hateful Memes task. The proposed solutions strongly compete with the fully supervised baseline via label-efficient training while distinctly outperforming them on all three tasks of the Memotion challenge with 0.18%, 23.64%, and 0.93% performance gain, respectively. Further, we demonstrate the generalizability of the proposed solutions by reporting competitive performance on the HarMeme task. Finally, we empirically establish the quality of the learned representations by analyzing task-specific learning, using fewer labeled training samples, and arguing that the complexity of the self-supervision strategy and downstream task at hand are correlated. Our efforts highlight the requirement of better multi-modal self-supervision methods involving specialized pretext tasks for efficient fine-tuning and generalizable performance.