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AI can allow financial services providers to make use of alternative data sources to assess creditworthiness. This could prove transformative.

If a machine-learning model is trained using an unbalanced dataset, such as one that contains far more images of people with lighter skin than people with

MIT researchers have found that, if a certain type of machine learning model is trained using an unbalanced dataset, the bias that it learns is impossible to fix after the fact. They developed a technique that induces fairness directly into the model, no matter how unbalanced the training dataset was, which can boost the model’s performance on downstream tasks.