loan applicant
type: Class
subclass of: SIO_000498

Applicant 1
type: NamedIndividual
type: SystemRecommendation
type: loan applicant
SIO_000232: Protodash explainer - good examples
was generated by: Task to find prototypical good applicants
comment: 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.

Prototypical Applicant 2
type: NamedIndividual
type: SystemRecommendation
type: loan applicant
SIO_000008: Month since last trade open of prototypical applicant 2
SIO_000008: Risk estimate value of prototypical applicant 2
SIO_000232: Protodash explainer - good examples

Prototypical Applicant 3
type: NamedIndividual
type: SystemRecommendation
type: loan applicant
SIO_000008: Month since last trade open of prototypical applicant 3
SIO_000008: RiskEstimateApplicant3
SIO_000232: Protodash explainer - good examples

Prototypical Applicant 4
type: NamedIndividual
type: SystemRecommendation
type: loan applicant
SIO_000008: Month since last trade open of prototypical applicant 4
SIO_000008: RiskEstimateApplicant4
SIO_000232: Protodash explainer - good examples

Prototypical Applicant 5
type: NamedIndividual
type: SystemRecommendation
type: loan applicant
SIO_000008: Month since last trade open of prototypical applicant 5
SIO_000008: RiskEstimateApplicant5
SIO_000232: Protodash explainer - good examples

Applicant who served as good index - applicant 8
type: NamedIndividual
type: loan applicant
SIO_000008: Month since last trade open of good applicant index
SIO_000008: Risk Estimate value for good applicant
SIO_000008: Number of satisfactory trades value of good applicant
SIO_000008: Percent trades never delinquent value for good applicant
comment: 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 whose loan was denied
type: NamedIndividual
type: loan applicant
SIO_000008: Output risk performance for applicant whose loan was denied
SIO_000068: HELOC Dataset

Average time loan application needs to be on file to flip credit decision for applicant
type: NamedIndividual
type: SIO_000755
type: Foil
SIO_000068: Average time, loan application is on file column
SIO_001403: Applicant whose loan was denied
SIO_000300: 68.0

Average time, loan application is on file column
type: NamedIndividual
type: SIO_000753

Boolean Rule Column Generator (BRCG)
type: NamedIndividual
type: HighLevelFeatureLearningMethod
SIO_000230: HELOC Dataset
SIO_000230: Output- Risk Perfomance Column

Contrastive Explainer Method (CEM)
type: NamedIndividual
type: SaliencyMethods
SIO_000230: HELOC Dataset
SIO_000230: Output- Risk Perfomance Column

Pertinent positive output from CEM method for applicant 8
type: NamedIndividual
type: SystemRecommendation
SIO_000232: Contrastive Explainer Method (CEM)
SIO_001403: Applicant who served as good index - applicant 8
used: Risk Estimate value for good applicant
used: Number of satisfactory trades value of good applicant
used: Percent trades never delinquent value for good applicant

Explanation of first prototypical loan applicant
type: NamedIndividual
type: Explanation
is based on: Applicant 1
addresses: Asks, "Who are good examples for low risk?"

Explanation of third prototypical loan applicant
type: NamedIndividual
type: Explanation
is based on: Prototypical Applicant 3
addresses: Asks, "Who are good examples for low risk?"

Explanation of fourth prototypical loan applicant
type: NamedIndividual
type: Explanation
is based on: Prototypical Applicant 4
addresses: Asks, "Who are good examples for low risk?"

Explanation of fifth prototypical loan applicant
type: NamedIndividual
type: Explanation
is based on: Prototypical Applicant 5
addresses: Asks, "Who are good examples for low risk?"

Contrastive explanation task to find contributors to loan applicant's credit risk
type: NamedIndividual
type: InterprationAndExplanationTask
used: Contrastive Explainer Method (CEM)

Asks, "What features minimally lead the applicant to be accepted and not rejected?"
type: NamedIndividual
type: SIO_000085

Customer
type: NamedIndividual
type: user

Explanation for low risk performance
type: NamedIndividual
type: Explanation
is based on: Risk performance - low
addresses: Asks, "What are features that most impact low credit approval risk?"

Data Scientist
type: NamedIndividual
type: user
asks: Asks, "What are features that most impact low credit approval risk?"

Asks, "What are features that most impact low credit approval risk?"
type: NamedIndividual
type: SIO_000085

Explanation of second prototypical loan applicant
type: NamedIndividual
type: Explanation
is based on: Prototypical Applicant 2
addresses: Asks, "Who are good examples for low risk?"

External Risk Estimate Column
type: NamedIndividual
type: SIO_000753

External Risk Estimate less than 75
type: NamedIndividual
type: SIO_000755
SIO_000068: External Risk Estimate Column
SIO_000300: 75.0

External Risk Estimate of Prototypical Applicant 1
type: NamedIndividual
type: SIO_000755
SIO_000068: External Risk Estimate Column
SIO_000300: 85

External Risk Estimate of Prototypical Applicant 3
type: NamedIndividual
type: SIO_000755
SIO_000068: External Risk Estimate Column
SIO_000300: 77

External Risk Estimate of Prototypical Applicant 4
type: NamedIndividual
type: SIO_000755
SIO_000068: External Risk Estimate Column
SIO_000300: 83

External Risk Estimate of Prototypical Applicant 5
type: NamedIndividual
type: SIO_000755
SIO_000068: External Risk Estimate Column
SIO_000300: 73

External Risk Estimate Value necessary to turn decision
type: NamedIndividual
type: SIO_000755
type: Foil
SIO_000068: External Risk Estimate Column
SIO_000300: 81.0

Task to find prototypical good applicants
type: NamedIndividual
type: AITask
used: Protodash explainer - good examples

Month since last trade open of good applicant index
type: NamedIndividual
type: SIO_000755
SIO_000068: Month since last trade open
SIO_000300: 280

Risk Estimate value for good applicant
type: NamedIndividual
type: SIO_000755
type: Fact
SIO_000068: External Risk Estimate Column
SIO_000300: 82

Asks, "Who are good examples for low risk?"
type: NamedIndividual
type: SIO_000085

HELOC Dataset
type: NamedIndividual
type: SIO_000089
SIO_000008: Average time, loan application is on file column
SIO_000008: External Risk Estimate Column
SIO_000008: Month since last trade open
SIO_000008: Number Satisfactory Trades Column
SIO_000008: Output- Risk Perfomance Column
SIO_000008: Percentage trades never delinquent

Loan Officer
type: NamedIndividual
type: user
asks: Asks, "Who are good examples for low risk?"

Month since last trade open of prototypical applicant 2
type: NamedIndividual
type: SIO_000755
SIO_000068: Month since last trade open
SIO_000300: 379

Month since last trade open of prototypical applicant 3
type: NamedIndividual
type: SIO_000755
SIO_000068: Month since last trade open
SIO_000300: 338

Month since last trade open of prototypical applicant 4
type: NamedIndividual
type: SIO_000755
SIO_000068: Month since last trade open
SIO_000300: 789

Month since last trade open of prototypical applicant 5
type: NamedIndividual
type: SIO_000755
SIO_000068: Month since last trade open
SIO_000300: 230

Month since last trade open
type: NamedIndividual
type: SIO_000753

Number of satisfactory trades value of good applicant
type: NamedIndividual
type: SIO_000755
type: Fact
SIO_000068: Number Satisfactory Trades Column

Number of Satisfactory Trades necessary to change applicant's loan decision
type: NamedIndividual
type: SIO_000755
type: Foil
SIO_000068: Number Satisfactory Trades Column
SIO_000300: 21

Number Satisfactory Trades Column
type: NamedIndividual
type: SIO_000753

Number Satisfactory Trades less than 17
type: NamedIndividual
type: SIO_000755
SIO_000068: Number Satisfactory Trades Column
SIO_000300: 17.0

Output risk performance for applicant whose loan was denied
type: NamedIndividual
type: SIO_000755
SIO_000068: Output- Risk Perfomance Column
SIO_000300: false

Output- Risk Perfomance Column
type: NamedIndividual
type: SIO_000753

Percentage trades never delinquent
type: NamedIndividual
type: SIO_000753

Percent trades never delinquent value for good applicant
type: NamedIndividual
type: SIO_000755
type: Fact
SIO_000068: Percentage trades never delinquent

Explanation that includes features that would flip a decision in favor of the applicant
type: NamedIndividual
type: Explanation
is based on: Pertinent Negative Output from CEM
addresses: Asks, "What features if changed would flip the applicant's loan approval to be accepted?"

Pertinent Negative Output from CEM
type: NamedIndividual
type: SystemRecommendation
SIO_000232: Contrastive Explainer Method (CEM)
SIO_001403: Applicant whose loan was denied
used: Average time loan application needs to be on file to flip credit decision for applicant
used: External Risk Estimate Value necessary to turn decision
used: Number of Satisfactory Trades necessary to change applicant's loan decision

Asks, "What features if changed would flip the applicant's loan approval to be accepted?"
type: NamedIndividual
type: SIO_000085

Explanation that includes features in support of applicant's low credit risk prediction
type: NamedIndividual
type: Explanation
is based on: Pertinent positive output from CEM method for applicant 8
addresses: Asks, "What features minimally lead the applicant to be accepted and not rejected?"

Protodash explainer - good examples
type: NamedIndividual
type: ExemplarMethods
SIO_000230: Applicant who served as good index - applicant 8
SIO_000230: HELOC Dataset

Risk estimate value of prototypical applicant 2
type: NamedIndividual
type: SIO_000755
SIO_000068: External Risk Estimate Column
SIO_000300: 89

Risk performance - low
type: NamedIndividual
type: SIO_000755
type: SystemRecommendation
SIO_000068: Output- Risk Perfomance Column
SIO_000232: Boolean Rule Column Generator (BRCG)
SIO_001277: External Risk Estimate less than 75
SIO_001277: Number Satisfactory Trades less than 17
SIO_000300: 0.0