
Supervised by Dianne Cook, Patricia Menendez, Thiyanga Talagala and Kate Saunders

You were hired as a data science intern in the loan department of OddPoverty Bank where you help wombats get loans for burrowing holes.
As an intern, you were given a dataset to model, which will classify whether a wombat is eligible for a loan.

The bank has collected a historical data of the wombats who applied for loans. The dataset is a simple one with two variables,
You get around to making a model that works well, to double check you,

Four wombats came up upset that their loans were rejected, and they asked what was the important thing that we considered to deny their loan for a burrowing hole. (Was it their cuteness or was it their chonky-ness?)


Explainable AI methods or XAI methods came in as a solution to this problem.
XAI can help you look at
How the model reacts to different features overall using Global Interpretability Methods
How the model gives a prediction to one single instance using Local Interpretability Methods
There are several key local interpretability methods that are related to each other in how they approach the problem
So let’s apply these methods to our model to help our wombats out!
| Wombat | Lime | SHAP | Counterfactuals | Anchors |
|---|---|---|---|---|
| Elle | chonky | chonky | chonky | chonky |
| Minibus | cuteness | chonky | chonky | cuteness |
| Ringo | cuteness | chonky | cuteness | chonky |
| Kato | chonky | cuteness | chonky | chonky |
Wait… so which one do we tell these wombats?
There’s more to the story than just the final explanations
Our local, model-agnostic XAI tools can be simplified into three common blocks:
XAI explanations are just the tip of the iceberg
There are more things that came together to make these XAI explanations.
Perturbation Mechanism Randomly adding noise to the original data to generate a local neighbourhood to see how the model reacts.
Optimization Objective Finds the simplest possible model that mimics how the complex model behaves for the randomly generated dataset from the previous part.
Final Output Coefficients that show exactly how much, and in what direction, each feature pushed that specific prediction.
Perturbation Mechanism Tests combinations of features being “turned on” or “turned off”.
Optimization Objective
Uses game theory math to fairly distribute the “credit” for the final prediction among all the features involved.
Final Output Coefficients that show the effect of each feature being included in the model.
Perturbation Mechanism Generates synthetic candidates around the observation by adding noise.
Optimization Objective
Simultaneously balances the goals of reaching the required model output while also making the smallest, realistic change possible to the dataset.
Final Output The closest observation that satisfies the conditions (e.g., “If the wombat was less chonky the loan would be accepted.”).
Perturbation Mechanism Generate synthetic data in a fixed boundary around the local neighborhood
Optimization Objective Tries to find the set of conditions that creates the biggest possible bounding box within that region containing observations similar to that of the given observation.
Final Output A bounding box within the fixed boundary region that contains points similar classified as the observation.
Kultarr is an R package that aims to provide an implementation of Anchors using a simpler algorithm.
Try the package out from https://github.com/janithwanni/kultarr
We need to use the geometric representations along with putting the model in the data space to look at the explanation in place with the data and the model’s prediction.
For that we have provided two R packages (kumquat and kultarr) that makes it easier to break open XAI methods and inspect its inner pieces.
Have any suggestions or ideas?
The colour palette for these slides are inspired by the photograph by Bill Henson as part of the art installation Oneiroi in the Hellenic Museum, Melbourne.
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