We design a series of experiments on credit scoring and employ SHAP values to demonstrate that the use of location information may introduce racial biases. The analysis relies on race statistics collected from Brazilian Institute of Geography and Statistics (IBGE) and on fully anonymized credit information. The present work helps to discuss how to track racial biases when protected attributes are not available and points in interesting directions towards the development of procedures to yield more ethical credit scoring models in the Brazilian context.
翻译:我们设计了一系列信用评分实验,并使用SHAP值来证明使用定位信息可能会引入种族偏见,分析依据了巴西地理和统计研究所(IBGE)收集的种族统计数据和完全匿名的信用信息,目前的工作有助于讨论如何在没有受保护的属性时跟踪种族偏见,并引人注意地引导制定程序,以便在巴西范围内产生更符合道德的信用评分模式。