 credit scoring algaritham nundi remdu jaati / ling samuhal Madhya anchana phalithaalalo teedaa deetaa sekarana prakreeyalo ledha algaritham ‌ lonae pakshapaataanni kaligistundaa ?
 credit scoring phalithaalalo tedalu deetaa samasya mariyu algarithmic babus rendintini yerparustaayani neenu vaadistunnaanu .  modhata dataset ‌ loni pakshapaataanni pariseeliddaam .  nirdishta lakshyalanu neraverchadaaniki avut ‌ putt ‌ lanu roopondinche black boxes ‌ gaaa modal ‌ ni neenu bhaavistunnaanu  -  credit scoring vishayamlo ,  dephaalt risky prediction ‌ l yokka khachitatvam ,  reakal mariyu khachitatvam lakshyam .  dani sikshnha laeni variation ‌ loni modal videsi karmikulu ,  mahilalu ledha yuvakula patla vivaksha chuupadu :  vaasthavaaniki ,  idi manaollu chese vidhamgaa yea  ( saamajikamgaa nirminchabadina )  lebul ‌ lanu kaligi undadhu .  ayinappatikee ,  modal sikshnha pondina dataset saamajikamgaa nirmimchina pakshapaataalatho nindi Pali .  udaharanaku ,  sanghika nibandhanalu streelanu asamarthulugaa ,  videsi karmikulu nammadagani vaarigaa mariyu yuvakulanu anubhavam laeni vaarigaa chooputhaayi ,  idi adhika nirudyogita raetu mariyu yea samuhalaku adhvaannamaina jevana paristhitulaku dhaari teestundi .  vaati falithamgaa adhika chaarithraka dephaalt sambhaavyata saamaajika muusa paddhatula dwara utpannamayyae durmargapu chakraala kante saamarthyamlo janaba - sambandhitha vyatyaasaala nundi thakkuvaga umtumdi .  stereotype ‌ lu dataset ‌ lanu babus ‌ gaaa andistaayi ,  idi algaritham ‌ lanu pakshapaatamgaa marusthundhi :  anchana khachitatvanni pemchae lakshyamtho ,  modal dataset ‌ loni  “ namunalanu ”  neerchukuntundi mariyu dani prediction algaritham ‌ loo bhaagamgaa saamajikamgaa nirmimchina thedalanu grahistundi .  meemu algorithamnu nindinchavacchaa ? -  annintikante ,  modal  " charithra " ku parimitam cheyabadindhi mariyu chaaritraatmakamgaa vivakshaku guraina samuhal sambhaavyata choose etuvanti uuhaajanita saamarthyam ledhu .  mukhyamgaa deetaa in ‌ putt ‌ lalooni chaarithraka mariyu praatinidhya pakshapaataala kaaranamgaa  " garbages in ,  garbages avut "  drushtaantaanni kaligi unnaamu .

 maroovaipu ,  phalithaala vyatyaasaalu ippatikee algarithmic babus ‌ gaaa unnayani neenu vaadistunnaanu .  modal ‌ nu neraverchaalsina lakshyaalu mariyu parimitula choose manam ippatikee  " nindinchagalamani "  neenu nammutunnaanu  ( manam manaollu vatini modati sthaanamloo unchinappatikii ).  piena vivarimchina vidhamgaa ,  muulyaankana metrik ‌ gaaa khachitatvamto ,  chaarithraka dataset ‌ lapai roopondinchabadina motham anchana / forecast algoritham sambhaavya ledha vivechanaatmaka saamaajika nibandhanala choose chudakunda charitranu punaraavrutam cheyadanki uddeshinchabadindhi .  khachitatvanni garishteekarinche lakshyam pakshapaatamenaa ? –  saamajikamgaa roopondinchabadina apohalu  ( balaheenamaina strilu ,  nirlakshya yuvatha mariyu genophobia )  dwara srushtimchabadina visha chakraanni manam gurtinchagaligite ,  konni takala saamaajika muusa paddhatulanu churukugaa neerchukunee mariyu prcharam chese modal khachitamgaa dani pakshapaatam choose pilavabadaali . !  ayithe ,  meemu aa lakshyalanu optimise cheyadanki modal ‌ lanu haard - wire cheesthaamu mariyu kolamanalalo svabhavika pakshapaataanni parishkarinchadaaniki ,  lakshyalanu savarinchadaaniki mariyu tagina parimitulanu jodinchadaaniki maanavulamaina maname badyatha vahistaamu .  udaharanaku ,  prograaming asain ‌ ment ‌ loo meemu nirdishta nirnaya sarihaddulo anchanaalanu tiraskarinche upasamana saanketikatanu edurkontamu .  active rezection vento technic ‌ lato paatu ,  nirupeda samuhal vruddhini ooka lakshyangaa protsahinchadam vento parimitulanu manam jodinchavacha ?  yea parimithulu lekunda ,  objective specification ‌ loo phalita vyatyaasaalu kudaa algarithmic babus ‌ gaaa unnayani neenu chebuthaanu .