This research article analyses and demonstrates the hidden implications for fairness of seemingly neutral data coupled with powerful technology, such as machine learning (ML), using Open Banking as an example. Open Banking has ignited a revolution in financial services, opening new opportunities for customer acquisition, management, retention, and risk assessment. However, the granularity of transaction data holds potential for harm where unnoticed proxies for sensitive and prohibited characteristics may lead to indirect discrimination. Against this backdrop, we investigate the dimensions of financial vulnerability (FV), a global concern resulting from COVID-19 and rising inflation. Specifically, we look to understand the behavioral elements leading up to FV and its impact on at-risk, disadvantaged groups through the lens of fair interpretation. Using a unique dataset from a UK FinTech lender, we demonstrate the power of fine-grained transaction data while simultaneously cautioning its safe usage. Three ML classifiers are compared in predicting the likelihood of FV, and groups exhibiting different magnitudes and forms of FV are identified via clustering to highlight the effects of feature combination. Our results indicate that engineered features of financial behavior can be predictive of omitted personal information, particularly sensitive or protected characteristics, shedding light on the hidden dangers of Open Banking data. We discuss the implications and conclude fairness via unawareness is ineffective in this new technological environment.

In recent years, Local Differential Privacy (LDP), a robust privacy-preserving methodology, has gained widespread adoption in real-world applications. With LDP, users can perturb their data on their devices before sending it out for analysis. However, as the collection of multiple sensitive information becomes more prevalent across various industries, collecting a single sensitive attribute under LDP may not be sufficient. Correlated attributes in the data may still lead to inferences about the sensitive attribute. This paper empirically studies the impact of collecting multiple sensitive attributes under LDP on fairness. We propose a novel privacy budget allocation scheme that considers the varying domain size of sensitive attributes. This generally led to a better privacy-utility-fairness trade-off in our experiments than the state-of-art solution. Our results show that LDP leads to slightly improved fairness in learning problems without significantly affecting the performance of the models. We conduct extensive experiments evaluating three benchmark datasets using several group fairness metrics and seven state-of-the-art LDP protocols. Overall, this study challenges the common belief that differential privacy necessarily leads to worsened fairness in machine learning.

Graphical models and factor analysis are well-established tools in multivariate statistics. While these models can be both linked to structures exhibited by covariance and precision matrices, they are generally not jointly leveraged within graph learning processes. This paper therefore addresses this issue by proposing a flexible algorithmic framework for graph learning under low-rank structural constraints on the covariance matrix. The problem is expressed as penalized maximum likelihood estimation of an elliptical distribution (a generalization of Gaussian graphical models to possibly heavy-tailed distributions), where the covariance matrix is optionally constrained to be structured as low-rank plus diagonal (low-rank factor model). The resolution of this class of problems is then tackled with Riemannian optimization, where we leverage geometries of positive definite matrices and positive semi-definite matrices of fixed rank that are well suited to elliptical models. Numerical experiments on synthetic and real-world data sets illustrate the effectiveness of the proposed approach.

Variable selection or importance measurement of input variables to a machine learning model has become the focus of much research. It is no longer enough to have a good model, one also must explain its decisions. This is why there are so many intelligibility algorithms available today. Among them, Shapley value estimation algorithms are intelligibility methods based on cooperative game theory. In the case of the naive Bayes classifier, and to our knowledge, there is no ``analytical" formulation of Shapley values. This article proposes an exact analytic expression of Shapley values in the special case of the naive Bayes Classifier. We analytically compare this Shapley proposal, to another frequently used indicator, the Weight of Evidence (WoE) and provide an empirical comparison of our proposal with (i) the WoE and (ii) KernelShap results on real world datasets, discussing similar and dissimilar results. The results show that our Shapley proposal for the naive Bayes classifier provides informative results with low algorithmic complexity so that it can be used on very large datasets with extremely low computation time.

The use of graph neural networks has produced significant advances in point cloud problems, such as those found in high energy physics. The question of how to produce a graph structure in these problems is usually treated as a matter of heuristics, employing fully connected graphs or K-nearest neighbors. In this work, we elevate this question to utmost importance as the Topology Problem. We propose an attention mechanism that allows a graph to be constructed in a learned space that handles geometrically the flow of relevance, providing one solution to the Topology Problem. We test this architecture, called GravNetNorm, on the task of top jet tagging, and show that it is competitive in tagging accuracy, and uses far fewer computational resources than all other comparable models.

Purpose: Disease progression of retinal atrophy associated with AMD requires the accurate quantification of the retinal atrophy changes on longitudinal OCT studies. It is based on finding, comparing, and delineating subtle atrophy changes on consecutive pairs (prior and current) of unregistered OCT scans. Methods: We present a fully automatic end-to-end pipeline for the simultaneous detection and quantification of time-related atrophy changes associated with dry AMD in pairs of OCT scans of a patient. It uses a novel simultaneous multi-channel column-based deep learning model trained on registered pairs of OCT scans that concurrently detects and segments retinal atrophy segments in consecutive OCT scans by classifying light scattering patterns in matched pairs of vertical pixel-wide columns (A-scans) in registered prior and current OCT slices (B-scans). Results: Experimental results on 4,040 OCT slices with 5.2M columns from 40 scans pairs of 18 patients (66% training/validation, 33% testing) with 24.13+-14.0 months apart in which Complete RPE and Outer Retinal Atrophy (cRORA) was identified in 1,998 OCT slices (735 atrophy lesions from 3,732 segments, 0.45M columns) yield a mean atrophy segments detection precision, recall of 0.90+-0.09, 0.95+-0.06 and 0.74+-0.18, 0.94+-0.12 for atrophy lesions with AUC=0.897, all above observer variability. Simultaneous classification outperforms standalone classification precision and recall by 30+-62% and 27+-0% for atrophy segments and lesions. Conclusions: simultaneous column-based detection and quantification of retinal atrophy changes associated with AMD is accurate and outperforms standalone classification methods. Translational relevance: an automatic and efficient way to detect and quantify retinal atrophy changes associated with AMD.

Expressive text-to-speech systems have undergone significant advancements owing to prosody modeling, but conventional methods can still be improved. Traditional approaches have relied on the autoregressive method to predict the quantized prosody vector; however, it suffers from the issues of long-term dependency and slow inference. This study proposes a novel approach called DiffProsody in which expressive speech is synthesized using a diffusion-based latent prosody generator and prosody conditional adversarial training. Our findings confirm the effectiveness of our prosody generator in generating a prosody vector. Furthermore, our prosody conditional discriminator significantly improves the quality of the generated speech by accurately emulating prosody. We use denoising diffusion generative adversarial networks to improve the prosody generation speed. Consequently, DiffProsody is capable of generating prosody 16 times faster than the conventional diffusion model. The superior performance of our proposed method has been demonstrated via experiments.

Automatic speech recognition (ASR) has recently become an important challenge when using deep learning (DL). It requires large-scale training datasets and high computational and storage resources. Moreover, DL techniques and machine learning (ML) approaches in general, hypothesize that training and testing data come from the same domain, with the same input feature space and data distribution characteristics. This assumption, however, is not applicable in some real-world artificial intelligence (AI) applications. Moreover, there are situations where gathering real data is challenging, expensive, or rarely occurring, which can not meet the data requirements of DL models. deep transfer learning (DTL) has been introduced to overcome these issues, which helps develop high-performing models using real datasets that are small or slightly different but related to the training data. This paper presents a comprehensive survey of DTL-based ASR frameworks to shed light on the latest developments and helps academics and professionals understand current challenges. Specifically, after presenting the DTL background, a well-designed taxonomy is adopted to inform the state-of-the-art. A critical analysis is then conducted to identify the limitations and advantages of each framework. Moving on, a comparative study is introduced to highlight the current challenges before deriving opportunities for future research.

Adversarial examples threaten the integrity of machine learning systems with alarming success rates even under constrained black-box conditions. Stateful defenses have emerged as an effective countermeasure, detecting potential attacks by maintaining a buffer of recent queries and detecting new queries that are too similar. However, these defenses fundamentally pose a trade-off between attack detection and false positive rates, and this trade-off is typically optimized by hand-picking feature extractors and similarity thresholds that empirically work well. There is little current understanding as to the formal limits of this trade-off and the exact properties of the feature extractors/underlying problem domain that influence it. This work aims to address this gap by offering a theoretical characterization of the trade-off between detection and false positive rates for stateful defenses. We provide upper bounds for detection rates of a general class of feature extractors and analyze the impact of this trade-off on the convergence of black-box attacks. We then support our theoretical findings with empirical evaluations across multiple datasets and stateful defenses.

In recent years, self-supervised learning (SSL) models have produced promising results in a variety of speech-processing tasks, especially in contexts of data scarcity. In this paper, we study the use of SSL models for the task of mispronunciation detection for second language learners. We compare two downstream approaches: 1) training the model for phone recognition (PR) using native English data, and 2) training a model directly for the target task using non-native English data. We compare the performance of these two approaches for various SSL representations as well as a representation extracted from a traditional DNN-based speech recognition model. We evaluate the models on L2Arctic and EpaDB, two datasets of non-native speech annotated with pronunciation labels at the phone level. Overall, we find that using a downstream model trained for the target task gives the best performance and that most upstream models perform similarly for the task.