Measuring Fairness in Financial Transaction Machine Learning Models

Mastercard, a global leader in financial services, develops and deploys machine learning models aimed at optimizing card usage and preventing attrition through advanced predictive models. These models use aggregated and anonymized card usage patterns, including cross-border transactions and industry-specific spending, to tailor bank offerings and maximize revenue opportunities. Mastercard has established an AI Governance program, based on its Data and Tech Responsibility Principles, to evaluate any built and bought AI for efficacy, fairness, and transparency. As part of this effort, Mastercard has sought expertise from the Turing Institute through a Data Study Group to better assess fairness in more complex AI/ML models. The Data Study Group challenge lies in defining, measuring, and mitigating fairness in these predictions, which can be complex due to the various interpretations of fairness, gaps in the research literature, and ML-operations challenges.

Centroid-UNet: Detecting Centroids in Aerial Images

In many applications of aerial/satellite image analysis (remote sensing), the generation of exact shapes of objects is a cumbersome task. In most remote sensing applications such as counting objects requires only location estimation of objects. Hence, locating object centroids in aerial/satellite images is an easy solution for tasks where the object's exact shape is not necessary. Thus, this study focuses on assessing the feasibility of using deep neural networks for locating object centroids in satellite images. Name of our model is Centroid-UNet. The Centroid-UNet model is based on classic U-Net semantic segmentation architecture. We modified and adapted the U-Net semantic segmentation architecture into a centroid detection model preserving the simplicity of the original model. Furthermore, we have tested and evaluated our model with two case studies involving aerial/satellite images. Those two case studies are building centroid detection case study and coconut tree centroid detection case study. Our evaluation results have reached comparably good accuracy compared to other methods, and also offer simplicity. The code and models developed under this study are also available in the Centroid-UNet GitHub repository: https://github.com/gicait/centroid-unet