This project intends to study the image representation based on attention mechanism and multimodal data. By adding multiple pattern layers to the attribute model, the semantic and hidden layers of image content are integrated. The word vector is quantified by the Word2Vec method and then evaluated by a word embedding convolutional neural network. The published experimental results of the two groups were tested. The experimental results show that this method can convert discrete features into continuous characters, thus reducing the complexity of feature preprocessing. Word2Vec and natural language processing technology are integrated to achieve the goal of direct evaluation of missing image features. The robustness of the image feature evaluation model is improved by using the excellent feature analysis characteristics of a convolutional neural network. This project intends to improve the existing image feature identification methods and eliminate the subjective influence in the evaluation process. The findings from the simulation indicate that the novel approach has developed is viable, effectively augmenting the features within the produced representations.

The interpretability of model has become one of the obstacles to its wide application in the high-stake fields. The usual way to obtain interpretability is to build a black-box first and then explain it using the post-hoc methods. However, the explanations provided by the post-hoc method are not always reliable. Instead, we design an intrinsically interpretable model based on RRL(Rule Representation Learner) for the Lending Club dataset. Specifically, features can be divided into three categories according to their characteristics of themselves and build three sub-networks respectively, each of which is similar to a neural network with a single hidden layer but can be equivalently converted into a set of rules. During the training, we learned tricks from previous research to effectively train binary weights. Finally, our model is compared with the tree-based model. The results show that our model is much better than the interpretable decision tree in performance and close to other black-box, which is of practical significance to both financial institutions and borrowers. More importantly, our model is used to test the correctness of the explanations generated by the post-hoc method, the results show that the post-hoc method is not always reliable.

Citi Ventures has made an investment in the artificial intelligence software company Anaconda, which its parent company Citigroup knows very well. It turns out Citigroup has been using this popular open source software across its entire enterprise for a couple of years. Large banks like Bank of America, Wells Fargo, BBVA and Ally Bank are among the many with AI deployments. David B. Weiss, principal of the consulting firm Market Structure Metrics, said he has observed "an ever-growing, five-year trend of banks tactically trialing and deploying AI and related technologies like machine learning and robotic process automation to target multiple processes in various parts of their businesses." Jesse McWaters, financial innovation lead at the World Economic Forum, has also been seeing "a significant increase in investment in AI specialist companies" among banks.