Will I get my Money back? Credit Scoring with OneR


More and more decisions by banks on who gets a loan are being made by artificial intelligence. The terms being used are credit scoring and credit decisioning.

They base their decisions on models whether the customer will pay back the loan or will default, i.e. determine their creditworthiness. If you want to learn how to build such a model in R yourself (with the latest R ≥ 4.1.0 syntax as a bonus), read on!
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The Most Advanced AI in the World explains what AI, Machine Learning, and Deep Learning are!


This is our 101’st blog post here on Learning Machines and we have prepared something very special for you!

Oftentimes the different concepts of data science, namely artificial intelligence (AI), machine learning (ML), and deep learning (DL) are confused… so we asked the most advanced AI in the world, OpenAI GPT-3, to write a guest post for us to provide some clarification on their definitions and how they are related.

We are most delighted to present this very impressive (and only slightly redacted) essay to you – enjoy!
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Recidivism: Identifying the Most Important Predictors for Re-offending with OneR


In 2018 the renowned scientific journal science broke a story that researchers had re-engineered the commercial criminal risk assessment software COMPAS with a simple logistic regression (Science: The accuracy, fairness, and limits of predicting recidivism).

According to this article, COMPAS uses 137 features, the authors just used two. In this post, I will up the ante by showing you how to achieve similar results using just one simple rule based on only one feature which is found automatically in no-time by the OneR package, so read on!
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Cupid’s Arrow: How to Boost your Chances at Speed Dating!


During our little break, Valentine’s Day was celebrated. Yet for many, it was a depressing day because they are single and are looking for love.

Speed dating is a popular format (in times of Covid-19 also in virtual form) to meet many different potential soul mates in a short period of time. If you want to learn which factors determine “getting to the next round”, read on!
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Why Gradient Descent Works (and How To Animate 3D-Functions in R)


The workhorse of Machine Learning is Gradient Descent. If you want to understand how and why it works and, along the way, want to learn how to plot and animate 3D-functions in R read on!
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OneR in Medical Research: Finding Leading Symptoms, Main Predictors and Cut-Off Points


We already had a lot of examples that make use of the OneR package (install free from CRAN), which can be found in the respective Category: OneR.

Here we will give you some concrete examples from the area of research on Type 2 Diabetes Mellitus (DM) to show that the package is especially well suited in the field of medical research, so read on!
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Logistic Regression as the Smallest Possible Neural Network


We already covered Neural Networks and Logistic Regression in this blog.

If you want to gain an even deeper understanding of the fascinating connection between those two popular machine learning techniques read on!
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Time Series Analysis: Forecasting Sales Data with Autoregressive (AR) Models


Forecasting the future has always been one of man’s biggest desires and many approaches have been tried over the centuries. In this post we will look at a simple statistical method for time series analysis, called AR for Autoregressive Model. We will use this method to predict future sales data and will rebuild it to get a deeper understanding of how this method works, so read on!
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Will AI become conscious any time soon?


We all know the classical Sci-Fi trope of intelligent machines becoming conscious and all the potential ramifications that could follow from there (free will, fighting their human creators, ethical dilemmas, and so forth). Now, is this a realistic scenario? As a researcher in the area of AI (see e.g. So, what is AI really?), with a penchant for philosophy, I share my thoughts here with you, so read on!
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ZeroR: The Simplest Possible Classifier… or: Why High Accuracy can be Misleading


In one of my most popular posts So, what is AI really? I showed that Artificial Intelligence (AI) basically boils down to autonomously learned rules, i.e. conditional statements or simply, conditionals.

In this post, I create the simplest possible classifier, called ZeroR, to show that even this classifier can achieve surprisingly high values for accuracy (i.e. the ratio of correctly predicted instances)… and why this is not necessarily a good thing, so read on!
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