For illustration purpose, we only represent a few features linked to the Protodash algorithm's prototypical example: https://nbviewer.org/github/IBM/AIX360/blob/master/examples/tutorials/HELOC.ipynb#prototypes.
Applicant who served as good index - applicant 8
Average time loan application needs to be on file to flip credit decision for applicant
Average time, loan application is on file column
Pertinent positive output from CEM method for applicant 8
Explanation of first prototypical loan applicant
Explanation of third prototypical loan applicant
Explanation of fourth prototypical loan applicant
Explanation of fifth prototypical loan applicant
Contrastive explanation task to find contributors to loan applicant's credit risk
Asks, "What features minimally lead the applicant to be accepted and not rejected?"
Asks, "What are features that most impact low credit approval risk?"
Explanation of second prototypical loan applicant
External Risk Estimate of Prototypical Applicant 1
External Risk Estimate of Prototypical Applicant 3
External Risk Estimate of Prototypical Applicant 4
External Risk Estimate of Prototypical Applicant 5
External Risk Estimate Value necessary to turn decision
Task to find prototypical good applicants
Month since last trade open of good applicant index
Asks, "Who are good examples for low risk?"
Month since last trade open of prototypical applicant 2
Month since last trade open of prototypical applicant 3
Month since last trade open of prototypical applicant 4
Month since last trade open of prototypical applicant 5
Number of satisfactory trades value of good applicant
Number of Satisfactory Trades necessary to change applicant's loan decision
Output risk performance for applicant whose loan was denied
Percent trades never delinquent value for good applicant
Explanation that includes features that would flip a decision in favor of the applicant
Asks, "What features if changed would flip the applicant's loan approval to be accepted?"
Explanation that includes features in support of applicant's low credit risk prediction
Risk estimate value of prototypical applicant 2