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Application of Causal Inference to Analytical Customer Relationship Management in Banking and Insurance

arXiv.org Artificial Intelligence

Of late, in order to have better acceptability among various domain, researchers have argued that machine intelligence algorithms must be able to provide explanations that humans can understand causally. This aspect, also known as'causability' achieves a specific level of human-level explainability. A specific class of algorithms known as counterfactuals may be able to provide causability. In statistics, causality has been studied and applied for many years, but not in great detail in artificial intelligence (AI). In a first-of-its-kind study, we employed the principles of causal inference to provide explainability for solving the analytical customer relationship management (ACRM) problems. In the context of banking and insurance, current research on interpretability tries to address causality-related questions like why did this model make such decisions, and was the model's choice influenced by a particular factor? We propose a solution in the form of an intervention, wherein the effect of changing the distribution of features of ACRM datasets is studied on the target feature. Subsequently, a set of counterfactuals is also obtained that may be furnished to any customer who demands an explanation of the decision taken by the bank/insurance company. Except for the credit card churn prediction dataset, good quality counterfactuals were generated for the loan default, insurance fraud detection, and credit card fraud detection datasets, where changes in no more than three features are observed.


ACO based Adaptive RBFN Control for Robot Manipulators

arXiv.org Artificial Intelligence

This paper describes a new approach for approximating the inverse kinematics of a manipulator using an Ant Colony Optimization (ACO) based RBFN (Radial Basis Function Network). In this paper, a training solution using the ACO and the LMS (Least Mean Square) algorithm is presented in a two-phase training procedure. To settle the problem that the cluster results of k-mean clustering Radial Basis Function (RBF) are easy to be influenced by the selection of initial characters and converge to a local minimum, Ant Colony Optimization (ACO) for the RBF neural networks which will optimize the center of RBF neural networks and reduce the number of the hidden layer neurons nodes is presented. The result demonstrates that the accuracy of Ant Colony Optimization for the Radial Basis Function (RBF) neural networks is higher, and the extent of fitting has been improved.


Senior Data Scientist (Remote) – Remote Tech Jobs

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U.S. Eligibility Requirements • Interested candidates must submit an application and resume/CV online to be considered • Must be 18 years of age or older • Must be willing to submit to a background investigation; any offer of employment is conditioned upon the successful completion of a background investigation • Must have unrestricted work authorization to work in the United States. For U.S. employment opportunities, Gallagher hires U.S. citizens, permanent residents, asylees, refugees, and temporary residents. Temporary residence does not include those with non-immigrant work authorization (F, J, H or L visas), such as students in practical training status. Exceptions to these requirements will be determined based on shortage of qualified candidates with a particular skill. Gallagher will require proof of work authorization • Must be willing to execute Gallagher's Employee Agreement or Confidentiality and Non-Disclosure Agreement which requires, among other things, post-employment obligations relating to non-solicitation, confidentiality and non-disclosure Gallagher offers competitive salaries and benefits, including: medical/dental/vision plans, life and accident insurance, 401(K), employee stock purchase plan, educational expense reimbursement, employee assistance program, flexible work hours (availability varies by office and job function) training programs, matching gift program, and more. Gallagher believes that all persons are entitled to equal employment opportunity and does not discriminate against nor favor any applicant because of race, sex, color, disability, national origin, religion, creed, age, marital status, citizenship, veteran status, gender, gender identity / expression, actual or perceived sexual orientation, or any other protected characteristic. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified applicant with a disability, unless the accommodation would impose an undue hardship on the operation of our business.


Machine Learning and AI Foundations: Classification Modeling Online Class

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One type of problem absolutely dominates machine learning and artificial intelligence: classification. Binary classification, the predominant method, sorts data into one of two categories: purchase or not, fraud or not, ill or not, etc. Machine learning and AI-based solutions need accurate, well-chosen algorithms in order to perform classification correctly. This course explains why predictive analytics projects are ultimately classification problems, and how data scientists can choose the right strategy (or strategies) for their projects. Instructor Keith McCormick draws on techniques from both traditional statistics and modern machine learning, revealing their strengths and weaknesses. Keith explains how to define your classification strategy, making it clear that the right choice is often a combination of approaches.


AI & Machine Learning (ML) Course Online - BlackBelt Plus Program

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Certified AI & ML BlackBelt Plus Program is the best data science course online to become a globally recognized data scientist. BlackBelt Plus Program includes 105+ detailed (1:1) mentorship sessions, 36 + assignments, 50+ projects, learning 17 Data Science tools including Python, Pytorch, Tableau, Scikit Learn, Power BI, Numpy, Spark, Dask, Feature Tools, Keras,Matplotlib, Rasa, Pandas, ML Box, Scikits-Image, Amazon SageMaker, Streamlit, AWS, Flask, and other technologies such as Computer Vision, Natural Language Processing, Machine Learning, Artificial Intelligence and Deep Learning.


Machine Learning and AI Foundations: Predictive Modeling Strategy at Scale Online Class

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Building world-class predictive analytics solutions requires recognizing that the challenges of scale and sample size fluctuate greatly at different stages of a project. How do you know how much data to use? What is too little, what is too much? How does your infrastructure need to scale with the volume and demands of the project? This course walks step by step through the strategic and tactical aspects of determining how much data is needed to build an effective predictive modeling solution based on machine learning and what volumes of data are so large that they will create challenges.


GitHub - Deci-AI/super-gradients: Easily train or fine-tune SOTA computer vision models with one open source training library

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Welcome to SuperGradients, a free, open-source training library for PyTorch-based deep learning models. SuperGradients allows you to train or fine-tune SOTA pre-trained models for all the most commonly applied computer vision tasks with just one training library. We currently support object detection, image classification and semantic segmentation for videos and images. Easily load and fine-tune production-ready, pre-trained SOTA models that incorporate best practices and validated hyper-parameters for achieving best-in-class accuracy. Why do all the grind work, if we already did it for you?


Best educational drones -- learn to build and fly - Channel969

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There are many facets and levels of drone education. We will focus on the best educational drones for beginner pilots, perhaps best for children. Drones like the UVify OOri and the Ryze Tello have proper education programs centered around them. These platforms teach you some drone hardware basics, then promote critical thinking as you code flight features for the drone. The basics of flight are covered, the machine will hover in place, but you tell it where to go in the sky, just watch out for that wall.


A bifurcation threshold for contact-induced language change

arXiv.org Artificial Intelligence

One proposed mechanism of language change concerns the role played by second-language (L2) learners in situations of language contact. If sufficiently many L2 speakers are present in a speech community in relation to the number of first-language (L1) speakers, then those features which present a difficulty in L2 acquisition may be prone to disappearing from the language. This paper presents a mathematical account of such contact situations based on a stochastic model of learning and nonlinear population dynamics. The equilibria of a deterministic reduction of the model, describing a mixed population of L1 and L2 speakers, are fully characterized. Whether or not the language changes in response to the introduction of L2 learners turns out to depend on three factors: the overall proportion of L2 learners in the population, the strength of the difficulty speakers face in acquiring the language as an L2, and the language-internal utilities of the competing linguistic variants. These factors are related by a mathematical formula describing a phase transition from retention of the L2-difficult feature to its loss from both speaker populations. This supplies predictions that can be tested against empirical data. Here, the model is evaluated with the help of two case studies, morphological levelling in Afrikaans and the erosion of null subjects in Afro-Peruvian Spanish; the model is found to be broadly in agreement with the historical development in both cases.


Quantifying the Knowledge in a DNN to Explain Knowledge Distillation for Classification

arXiv.org Artificial Intelligence

Compared to traditional learning from scratch, knowledge distillation sometimes makes the DNN achieve superior performance. This paper provides a new perspective to explain the success of knowledge distillation, i.e., quantifying knowledge points encoded in intermediate layers of a DNN for classification, based on the information theory. To this end, we consider the signal processing in a DNN as the layer-wise information discarding. A knowledge point is referred to as an input unit, whose information is much less discarded than other input units. Thus, we propose three hypotheses for knowledge distillation based on the quantification of knowledge points. 1. The DNN learning from knowledge distillation encodes more knowledge points than the DNN learning from scratch. 2. Knowledge distillation makes the DNN more likely to learn different knowledge points simultaneously. In comparison, the DNN learning from scratch tends to encode various knowledge points sequentially. 3. The DNN learning from knowledge distillation is often optimized more stably than the DNN learning from scratch. In order to verify the above hypotheses, we design three types of metrics with annotations of foreground objects to analyze feature representations of the DNN, \textit{i.e.} the quantity and the quality of knowledge points, the learning speed of different knowledge points, and the stability of optimization directions. In experiments, we diagnosed various DNNs for different classification tasks, i.e., image classification, 3D point cloud classification, binary sentiment classification, and question answering, which verified above hypotheses.