Credit scoring has been catalogued by the European Commission and the Executive Office of the US President as a high-risk classification task, a key concern being the potential harms of making loan approval decisions based on models that would be biased against certain groups. To address this concern, recent credit scoring research has considered a range of fairness-enhancing techniques put forward by the machine learning community to reduce bias and unfair treatment in classification systems. While the definition of fairness or the approach they follow to impose it may vary, most of these techniques, however, disregard the robustness of the results. This can create situations where unfair treatment is effectively corrected in the training set, but when producing out-of-sample classifications, unfair treatment is incurred again. Instead, in this paper, we will investigate how to apply Distributionally Robust Optimisation (DRO) methods to credit scoring, thereby empirically evaluating how they perform in terms of fairness, ability to classify correctly, and the robustness of the solution against changes in the marginal proportions. In so doing, we find DRO methods to provide a substantial improvement in terms of fairness, with almost no loss in performance. These results thus indicate that DRO can improve fairness in credit scoring, provided that further advances are made in efficiently implementing these systems. In addition, our analysis suggests that many of the commonly used fairness metrics are unsuitable for a credit scoring setting, as they depend on the choice of classification threshold.

In this paper, we introduce a kNN-based regression method that synergizes the scalability and adaptability of traditional non-parametric kNN models with a novel variable selection technique. This method focuses on accurately estimating the conditional mean and variance of random response variables, thereby effectively characterizing conditional distributions across diverse scenarios.Our approach incorporates a robust uncertainty quantification mechanism, leveraging our prior estimation work on conditional mean and variance. The employment of kNN ensures scalable computational efficiency in predicting intervals and statistical accuracy in line with optimal non-parametric rates. Additionally, we introduce a new kNN semi-parametric algorithm for estimating ROC curves, accounting for covariates. For selecting the smoothing parameter k, we propose an algorithm with theoretical guarantees.Incorporation of variable selection enhances the performance of the method significantly over conventional kNN techniques in various modeling tasks. We validate the approach through simulations in low, moderate, and high-dimensional covariate spaces. The algorithm's effectiveness is particularly notable in biomedical applications as demonstrated in two case studies. Concluding with a theoretical analysis, we highlight the consistency and convergence rate of our method over traditional kNN models, particularly when the underlying regression model takes values in a low-dimensional space.

This research explores strategies for steering the output of large language models (LLMs) towards specific styles, such as sentiment, emotion, or writing style, by adding style vectors to the activations of hidden layers during text generation. We show that style vectors can be simply computed from recorded layer activations for input texts in a specific style in contrast to more complex training-based approaches. Through a series of experiments, we demonstrate the effectiveness of activation engineering using such style vectors to influence the style of generated text in a nuanced and parameterisable way, distinguishing it from prompt engineering. The presented research constitutes a significant step towards developing more adaptive and effective AI-empowered interactive systems.

High-resolution event data on armed conflict and related processes have revolutionized the study of political contention with datasets like UCDP GED, ACLED etc. However, most of these datasets limit themselves to collecting spatio-temporal (high-resolution) and intensity data. Information on dynamics, such as targets, tactics, purposes etc. are rarely collected owing to the extreme workload of collecting data. However, most datasets rely on a rich corpus of textual data allowing further mining of further information connected to each event. This paper proposes one such approach that is inexpensive and high performance, leveraging active learning - an iterative process of improving a machine learning model based on sequential (guided) human input. Active learning is employed to then step-wise train (fine-tuning) of a large, encoder-only language model adapted for extracting sub-classes of events relating to conflict dynamics. The approach shows performance similar to human (gold-standard) coding while reducing the amount of required human annotation by as much as 99%.

Code switching (CS) is a very common phenomenon in written and spoken communication but one that is handled poorly by many natural language processing applications. Looking to the application of building CS corpora, we explore CS language identification (LID) for corpus building. We make the task more realistic by scaling it to more languages and considering models with simpler architectures for faster inference. We also reformulate the task as a sentence-level multi-label tagging problem to make it more tractable. Having defined the task, we investigate three reasonable models for this task and define metrics which better reflect desired performance. We present empirical evidence that no current approach is adequate and finally provide recommendations for future work in this area.

Machine learning (ML) plays a pivotal role in detecting malicious software. Despite the high F1-scores reported in numerous studies reaching upwards of 0.99, the issue is not completely solved. Malware detectors often experience performance decay due to constantly evolving operating systems and attack methods, which can render previously learned knowledge insufficient for accurate decision-making on new inputs. This paper argues that commonly reported results are inflated due to two pervasive sources of experimental bias in the detection task: spatial bias caused by data distributions that are not representative of a real-world deployment; and temporal bias caused by incorrect time splits of data, leading to unrealistic configurations. To address these biases, we introduce a set of constraints for fair experiment design, and propose a new metric, AUT, for classifier robustness in real-world settings. We additionally propose an algorithm designed to tune training data to enhance classifier performance. Finally, we present TESSERACT, an open-source framework for realistic classifier comparison. Our evaluation encompasses both traditional ML and deep learning methods, examining published works on an extensive Android dataset with 259,230 samples over a five-year span. Additionally, we conduct case studies in the Windows PE and PDF domains. Our findings identify the existence of biases in previous studies and reveal that significant performance enhancements are possible through appropriate, periodic tuning. We explore how mitigation strategies may support in achieving a more stable and better performance over time by employing multiple strategies to delay performance decay.

The World Wide Web's connectivity is greatly attributed to the HTTP protocol, with HTTP messages offering informative header fields that appeal to disciplines like web security and privacy, especially concerning web tracking. Despite existing research employing HTTP/S request messages to identify web trackers, HTTP/S response headers are often overlooked. This study endeavors to design effective machine learning classifiers for web tracker detection using HTTP/S response headers. Data from the Chrome, Firefox, and Brave browsers, obtained through the traffic monitoring browser extension T.EX, serves as our data set. Eleven supervised models were trained on Chrome data and tested across all browsers. The results demonstrated high accuracy, F1-score, precision, recall, and minimal log-loss error for Chrome and Firefox, but subpar performance on Brave, potentially due to its distinct data distribution and feature set. The research suggests that these classifiers are viable for detecting web trackers in Chrome and Firefox. However, real-world application testing remains pending, and the distinction between tracker types and broader label sources could be explored in future studies.

Large language models (LLMs) have achieved huge success in numerous natural language process (NLP) tasks. However, it faces the challenge of significant resource consumption during inference. In this paper, we aim to improve the inference efficiency of LLMs by prompt caching, i.e., if the current prompt can be answered by the same response of a previous prompt, one can directly utilize that previous response without calling the LLM. Specifically, we focus on the prediction accuracy of prompt caching for single-round question-answering tasks via embedding similarity. The existing embeddings of prompts mostly focus on whether two prompts are semantically similar, which is not necessarily equivalent to whether the same response can answer them. Therefore, we propose a distillation-based method to fine-tune the existing embeddings for better caching prediction. Theoretically, we provide finite-sample guarantees for the convergence of our method under different types of loss functions. Empirically, we carefully construct a hard dataset based on Kwiatkowski et al. (2019) where the existing embedding model (Wang et al., 2022) only achieves an AUC of 0.51. We then fine-tune the above embedding model, which significantly improves the AUC of caching prediction from 0.51 to 0.81. We also conduct simulations demonstrating that our trained models achieve better caching efficiency than the previous embedding model.

In the realm of automatic speech recognition (ASR), the quest for models that not only perform with high accuracy but also offer transparency in their decision-making processes is crucial. The potential of quality estimation (QE) metrics is introduced and evaluated as a novel tool to enhance explainable artificial intelligence (XAI) in ASR systems. Through experiments and analyses, the capabilities of the NoRefER (No Reference Error Rate) metric are explored in identifying word-level errors to aid post-editors in refining ASR hypotheses. The investigation also extends to the utility of NoRefER in the corpus-building process, demonstrating its effectiveness in augmenting datasets with insightful annotations. The diagnostic aspects of NoRefER are examined, revealing its ability to provide valuable insights into model behaviors and decision patterns. This has proven beneficial for prioritizing hypotheses in post-editing workflows and fine-tuning ASR models. The findings suggest that NoRefER is not merely a tool for error detection but also a comprehensive framework for enhancing ASR systems' transparency, efficiency, and effectiveness. To ensure the reproducibility of the results, all source codes of this study are made publicly available.

AI fairness should not be considered a panacea: It may have the potential to make society more fair than ever, but it needs critical thought and outside help to make it happen.