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AI360Xpert
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Core ML

Visual explainer

SHAP & LIME

One applicant is denied without reason until a local line and exact credit shares show income adding 0.25 against debt subtracting 0.10.

Decisions arrive with no reasons attached.
Decisions arrive with no reasons attached.

Your model denies one applicant and approves the next, offering no reason either way. Accuracy without reasons leaves you helpless when the applicant asks why, and soon a regulator does too, with tougher questions.

Nearby Points Decide

Near samples weigh 1.0 and a straight line of slope 1.8 fits them.
Near samples weigh 1.0 and a straight line of slope 1.8 fits them.

You scatter sample applicants around this one, weighing the near ones 1.0 and the far ones 0.14. A straight line of slope 1.8 fits that weighted neighborhood. Each income step adds that much nearby, all else held equal.

Credits Sum Exactly

Base 0.40 plus 0.25 minus 0.10 plus 0.05 lands exactly on 0.60.
Base 0.40 plus 0.25 minus 0.10 plus 0.05 lands exactly on 0.60.

Start from the base rate 0.40, add income at 0.25, subtract debt at 0.10 and add age at 0.05. The shares land exactly on the model's 0.60, which is the whole promise of additive credit.

Two Lenses Agree

The line and the exact shares both credit income 0.25 here.
The line and the exact shares both credit income 0.25 here.

The line credits income 0.25 near this applicant; the exact shares agree at 0.25. Two different maths, one local story you can trust further than either alone.

Reasons Get Ranked

A bare denial becomes a ranked list topped by income at 0.25.
A bare denial becomes a ranked list topped by income at 0.25.

Before, the applicant gets a bare denial. After, income tops the list at plus 0.25 and debt trails at minus 0.10, ready to discuss and fix together.

Debug or Prove

Debug in seconds with a line and prove fairness with exact shares.
Debug in seconds with a line and prove fairness with exact shares.

Debugging fast? Fit a local line in seconds. Proving fairness to a regulator? Pay for exact shares that never contradict each other across similar applicants.

Where It Breaks

Hiding income invents an executive with no pay history.
Hiding income invents an executive with no pay history.

Income and zip move together at 0.9, so hiding income invents an executive with no pay history. Off-distribution fantasies earn wild credits you cannot trust or ship to anyone.

The Quick Version

  • Denials arrive with no reasons.
  • Near samples weigh 1.0, far 0.14.
  • Shares sum exactly to 0.60.
  • Line and shares agree at 0.25.
  • Income tops reasons at 0.25.
  • Debug with lines; prove with shares.
  • Correlated masks invent fantasy people.

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