There has been intensive research regarding machine learning models for predicting bankruptcy in recent years. However, the lack of interpretability limits their growth and practical implementation. This study proposes a data-driven explainable case-based reasoning (CBR) system for bankruptcy prediction. Empirical results from a comparative study show that the proposed approach performs superior to existing, alternative CBR systems and is competitive with state-of-the-art machine learning models. We also demonstrate that the asymmetrical feature similarity comparison mechanism in the proposed CBR system can effectively capture the asymmetrically distributed nature of financial attributes, such as a few companies controlling more cash than the majority, hence improving both the accuracy and explainability of predictions. In addition, we delicately examine the explainability of the CBR system in the decision-making process of bankruptcy prediction. While much research suggests a trade-off between improving prediction accuracy and explainability, our findings show a prospective research avenue in which an explainable model that thoroughly incorporates data attributes by design can reconcile the dilemma.

Recent language modeling performance has been greatly improved by the use of external memory. This memory encodes the context so that similar contexts can be recalled during decoding. This similarity depends on how the model learns to encode context, which can be altered to include other attributes, such as style. We construct and evaluate an architecture for this purpose, using corpora annotated for politeness, formality, and toxicity. Through extensive experiments and human evaluation we demonstrate the potential of our method to generate text while controlling style. We find that style-specific datastores improve generation performance, though results vary greatly across styles, and the effect of pretraining data and specific styles should be explored in future work.

Abstract: Candidate generation is the first stage in recommendation systems, where a light-weight system is used to retrieve potentially relevant items for an input user. These candidate items are then ranked and pruned in later stages of recommender systems using a more complex ranking model. Since candidate generation is the top of the recommendation funnel, it is important to retrieve a high-recall candidate set to feed into downstream ranking models. A common approach for candidate generation is to leverage approximate nearest neighbor (ANN) search from a single dense query embedding; however, this approach this can yield a low-diversity result set with many near duplicates. As users often have multiple interests, candidate retrieval should ideally return a diverse set of candidates reflective of the user's multiple interests.

Robots that interact with humans in a physical space or application need to think about the person's posture, which typically comes from visual sensors like cameras and infra-red. Artificial intelligence and machine learning algorithms use information from these sensors either directly or after some level of symbolic abstraction, and the latter usually partitions the range of observed values to discretize the continuous signal data. Although these representations have been effective in a variety of algorithms with respect to accuracy and task completion, the underlying models are rarely interpretable, which also makes their outputs more difficult to explain to people who request them. Instead of focusing on the possible sensor values that are familiar to a machine, we introduce a qualitative spatial reasoning approach that describes the human posture in terms that are more familiar to people. This paper explores the derivation of our symbolic representation at two levels of detail and its preliminary use as features for interpretable activity recognition.

Efficient k-nearest neighbor search is a fundamental task, foundational for many problems in NLP. When the similarity is measured by dot-product between dual-encoder vectors or $\ell_2$-distance, there already exist many scalable and efficient search methods. But not so when similarity is measured by more accurate and expensive black-box neural similarity models, such as cross-encoders, which jointly encode the query and candidate neighbor. The cross-encoders' high computational cost typically limits their use to reranking candidates retrieved by a cheaper model, such as dual encoder or TF-IDF. However, the accuracy of such a two-stage approach is upper-bounded by the recall of the initial candidate set, and potentially requires additional training to align the auxiliary retrieval model with the cross-encoder model. In this paper, we present an approach that avoids the use of a dual-encoder for retrieval, relying solely on the cross-encoder. Retrieval is made efficient with CUR decomposition, a matrix decomposition approach that approximates all pairwise cross-encoder distances from a small subset of rows and columns of the distance matrix. Indexing items using our approach is computationally cheaper than training an auxiliary dual-encoder model through distillation. Empirically, for k > 10, our approach provides test-time recall-vs-computational cost trade-offs superior to the current widely-used methods that re-rank items retrieved using a dual-encoder or TF-IDF.

Legal case retrieval, which aims to retrieve relevant cases given a query case, plays an essential role in the legal system. While recent research efforts improve the performance of traditional ad-hoc retrieval models, legal case retrieval is still challenging since queries are legal cases, which contain hundreds of tokens. Legal cases are much longer and more complicated than keywords queries. Apart from that, the definition of legal relevance is beyond the general definition. In addition to general topical relevance, the relevant cases also involve similar situations and legal elements, which can support the judgment of the current case. In this paper, we propose an interaction-focused network for legal case retrieval with a multi-view contrastive learning objective. The contrastive learning views, including case-view and element-view, aim to overcome the above challenges. The case-view contrastive learning minimizes the hidden space distance between relevant legal case representations produced by a pre-trained language model (PLM) encoder. The element-view builds positive and negative instances by changing legal elements of cases to help the network better compute legal relevance. To achieve this, we employ a legal element knowledge-aware indicator to detect legal elements of cases. We conduct extensive experiments on the benchmark of relevant case retrieval. Evaluation results indicate our proposed method obtains significant improvement over the existing methods.

Every legal case sets a precedent by developing the law in one of the following two ways. It either expands its scope, in which case it sets positive precedent, or it narrows it, in which case it sets negative precedent. Legal outcome prediction, the prediction of positive outcome, is an increasingly popular task in AI. In contrast, we turn our focus to negative outcomes here, and introduce a new task of negative outcome prediction. We discover an asymmetry in existing models' ability to predict positive and negative outcomes. Where the state-of-the-art outcome prediction model we used predicts positive outcomes at 75.06 F1, it predicts negative outcomes at only 10.09 F1, worse than a random baseline. To address this performance gap, we develop two new models inspired by the dynamics of a court process. Our first model significantly improves positive outcome prediction score to 77.15 F1 and our second model more than doubles the negative outcome prediction performance to 24.01 F1. Despite this improvement, shifting focus to negative outcomes reveals that there is still much room for improvement for outcome prediction models.

Nearest neighbor search (NNS) aims to locate the points in high-dimensional space that is closest to the query point. The brute-force approach for finding the nearest neighbor becomes computationally infeasible when the number of points is large. The NNS has multiple applications in medicine, such as searching large medical imaging databases, disease classification, diagnosis, etc. With a focus on medical imaging, this paper proposes DenseLinkSearch an effective and efficient algorithm that searches and retrieves the relevant images from heterogeneous sources of medical images. Towards this, given a medical database, the proposed algorithm builds the index that consists of pre-computed links of each point in the database. The search algorithm utilizes the index to efficiently traverse the database in search of the nearest neighbor. We extensively tested the proposed NNS approach and compared the performance with state-of-the-art NNS approaches on benchmark datasets and our created medical image datasets. The proposed approach outperformed the existing approach in terms of retrieving accurate neighbors and retrieval speed. We also explore the role of medical image feature representation in content-based medical image retrieval tasks. We propose a Transformer-based feature representation technique that outperformed the existing pre-trained Transformer approach on CLEF 2011 medical image retrieval task. The source code of our experiments are available at https://github.com/deepaknlp/DLS.

As deep learning becomes the mainstream in the field of natural language processing, the need for suitable active learning method are becoming unprecedented urgent. Active Learning (AL) methods based on nearest neighbor classifier are proposed and demonstrated superior results. However, existing nearest neighbor classifier are not suitable for classifying mutual exclusive classes because inter-class discrepancy cannot be assured by nearest neighbor classifiers. As a result, informative samples in the margin area can not be discovered and AL performance are damaged. To this end, we propose a novel Nearest neighbor Classifier with Margin penalty for Active Learning(NCMAL). Firstly, mandatory margin penalty are added between classes, therefore both inter-class discrepancy and intra-class compactness are both assured. Secondly, a novel sample selection strategy are proposed to discover informative samples within the margin area. To demonstrate the effectiveness of the methods, we conduct extensive experiments on for datasets with other state-of-the-art methods. The experimental results demonstrate that our method achieves better results with fewer annotated samples than all baseline methods.

Reasoning with legal cases, especially as conducted in common law jurisdictions such as the UK and USA, is a form of argumentation much studied in Artificial Intelligence and in computational argumentation. The formal procedure within which it is conducted and the extensive documentation which records the argument presented for each side and an assessment of these arguments make it a fruitful area for study. As described in [35], there may be several types of reasoning involved, including the use of rules, the balancing of factors, analogy and the use of policies to achieve particular purposes. All of these have been modelled in AI and Law, and this work suggests that reasoning with legal cases can been seen as going through a series of stages at which different reasoning styles are appropriate. This view will be elaborated in Section 2. One way of modelling a reasoning task [24] is to present it as a set of argumentation schemes [38]. In this paper we will use this method to articulate the reasoning required at each of the stages. Although legal reasoning is worthy of study in itself, we believe that the insights are also applicable to other, less formal, domains where it is necessary to balance reasons for and against particular options to come to a decision.