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Joined 1 year ago
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Cake day: June 17th, 2023

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  • I do workshops and professional courses only nowadays without any final test. I cannot stand the whole exams, assignments thing anymore. I did too much of them and I am old enough that I am a peer to professors. And I used to teach at university…

    I like to learn, I don’t have time to waste in all the evaluation/marking BS.











  • Go to north of Italy. They literally votes for uncultured swines for leading them (lega, forza Italia…). During the covid emergency the person in lead of public health thought that you need three people in a room to get covid, simply because he doesn’t understand primary school level math… They have been led by the most ignorant people in Italy. Salvini, fontana, gallera, Formigoni, bossi, Berlusconi, Calderoli. Compared to these people, DeSantis is an intellectual




  • Zeth0s@lemmy.worldto4chan@lemmy.worldAnon on credit scores
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    1 year ago

    It was just to give an idea that what OP mentioned is already an established thing, fairer than alternatives.

    Most of the time trivial linear logistic regression is used in this context. Nowadays decision tree ensambles are pretty heavily used, which are ML. Simply they perform better with fewer data than neural networks on structured tabular data.

    What you refer to as AI is probably methods based on deep learning. The truth is that they work exactly as any other algorithm that you are referring to. They are used for regression and classification, same way as a standard linear regression. The difference is that the models are non linear, and their complexity is so that a lot of data are needed to train them.

    But conceptually one can absolutely create a credit score with deep neural networks. It is just an overkill, for performances that are likely worst than a random forest on relatively small training datasets

    Neural networks-based methods are indeed used in fraud detection