https://nbviewer.org/github/IBM/AIX360/blob/master/examples/tutorials/HELOC.ipynb loan applicant 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 1 Prototypical Applicant 2 Prototypical Applicant 3 Prototypical Applicant 4 Prototypical Applicant 5 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 Applicant whose loan was denied 68.0 Average time loan application needs to be on file to flip credit decision for applicant Average time, loan application is on file column Boolean Rule Column Generator (BRCG) Contrastive Explainer Method (CEM) 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?" Customer Explanation for low risk performance Data Scientist Asks, "What are features that most impact low credit approval risk?" Explanation of second prototypical loan applicant External Risk Estimate Column 75.0 External Risk Estimate less than 75 85 External Risk Estimate of Prototypical Applicant 1 77 External Risk Estimate of Prototypical Applicant 3 83 External Risk Estimate of Prototypical Applicant 4 73 External Risk Estimate of Prototypical Applicant 5 81.0 External Risk Estimate Value necessary to turn decision Task to find prototypical good applicants 280 Month since last trade open of good applicant index 82 Risk Estimate value for good applicant Asks, "Who are good examples for low risk?" HELOC Dataset Loan Officer 379 Month since last trade open of prototypical applicant 2 338 Month since last trade open of prototypical applicant 3 789 Month since last trade open of prototypical applicant 4 230 Month since last trade open of prototypical applicant 5 Month since last trade open Number of satisfactory trades value of good applicant 21 Number of Satisfactory Trades necessary to change applicant's loan decision Number Satisfactory Trades Column 17.0 Number Satisfactory Trades less than 17 false Output risk performance for applicant whose loan was denied Output- Risk Perfomance Column Percentage trades never delinquent Percent trades never delinquent value for good applicant Explanation that includes features that would flip a decision in favor of the applicant Pertinent Negative Output from CEM 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 Protodash explainer - good examples 89 Risk estimate value of prototypical applicant 2 0.0 Risk performance - low