The aim of this paper is to propose a structural model that can explain the reasoning underlying automated decisions and, in particular, their unfairness. Moving beyond black-box approaches, our model provides transparency and interpretability, enabling a deep understanding of decision-making processes. Specifically, we build a diffusion process to explain the inequality and unfairness in credit lending. We then compare the Gini index before and after the application of the model. A substantial reduction in the Gini index indicates that the diffusion process can explain unfairness.
A structural model to explain unfairness
Giudici, Paolo
;Pavarana, Simone;
2025-01-01
Abstract
The aim of this paper is to propose a structural model that can explain the reasoning underlying automated decisions and, in particular, their unfairness. Moving beyond black-box approaches, our model provides transparency and interpretability, enabling a deep understanding of decision-making processes. Specifically, we build a diffusion process to explain the inequality and unfairness in credit lending. We then compare the Gini index before and after the application of the model. A substantial reduction in the Gini index indicates that the diffusion process can explain unfairness.File in questo prodotto:
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