Test data set

The test data set is used for the final stage scoring and is the data set for which model metrics will be computed against. Test set predictions will be available at the end of the experiment. This data set is not used during training of the modeling...

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Target Leakage

Target leakage, sometimes called data leakage, is one of the most difficult problems when developing an AI model. It happens when you train your algorithm on a data set that includes information that would not be available at the time of prediction...

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True Negatives (TN)

Assume a data set that includes examples of a class Non-default and examples of class  Default. Assume further that you’re evaluating your model’s performance to predict examples of class Non-default.True negatives is a field in the confusion...

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True Positive (TP)

Assume a data set that includes examples of a class Non-default and examples of class  Default. Assume further that you’re evaluating your model’s performance to predict examples of class Non-default.True positives is a field in the confusion...

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Machine learning in credit decisions

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