CREATION OF A MIVAR EXPERT SYSTEM FOR IMPLEMENTING ETHICAL ASPECTS OF ARTIFICIAL INTELLIGENCE FOR CREDIT SCORING

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Contacts

Torzhkov Maxim Sergeevich
Master's Degree, Bauman Moscow State Technical University (BMSTU).
105005, 2nd Baumanskaya str., 5, bld. 1, Moscow, email makstorzhkov@yandex.ru.
Research interests: artificial intelligence, mivar technologies of logical artificial intelligence, information processing, cybernetics.

Koroleva Yulia Pavlovna
Master's Degree, Bauman Moscow State Technical University (BMSTU).
105005, 2nd Baumanskaya str., 5, bld. 1, Moscow, Russia, email yukorolyova1@yandex.ru.
Research interests: artificial intelligence, mivar technologies of logical artificial intelligence, information processing, cybernetics.

Baldin Alexander Viktorovich
Doctor of Technical Sciences, Professor; 1) Chief Researcher, JSC "Research Institute of Computing Complexes"; 2) Professor of the Department of Information Processing and Control Systems, BMSTU.
1) 117437, Profsoyuznaya str., 108, Moscow, email iu5baldin@bmstu.ru.
2) 105005, 2nd Baumanskaya str., 5, bld. 1, Moscow, email iu5baldin@bmstu.ru.
Research interests: artificial intelligence, databases, electronic university, expert systems, logic, mivar technologies of logical artificial intelligence, information processing, decision-making, pattern recognition, natural language understanding, cybernetics, autonomous robotic complexes.

Kotsenko Anton Alexandrovich
Postgraduate Student, Bauman Moscow State Technical University (BMSTU).
105005, 2nd Baumanskaya str., 5, bld. 1, Moscow, email randeren@mail.ru.
Research interests: artificial intelligence, mivar technologies of logical artificial intelligence, information processing, decision-making, pattern recognition, natural language understanding, cybernetics, autonomous robotic complexes.

Shen Qiujie
Postgraduate Student, Bauman Moscow State Technical University (BMSTU).
105005, 2nd Baumanskaya str., 5, bld. 1, Moscow, email shencr0929@gmail.com.
Research interests: artificial intelligence, mivar technologies of logical artificial intelligence, information processing, pattern recognition, cybernetics.

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UDC 004.89 + 007.52
DOI 10.24412/2413-7383-2024-3-139-150
Language: Russian
Annotation: A mivar expert system (MES) for scoring a credit system with artificial intelligence (AI) has been created. Integrating ethical principles of AI into the process of designing and using scoring models will help make them fairer and more consistent with social values, and will also lead to an expansion of the bank's client base. The created MES assesses the borrower's creditworthiness based on the created rules, which allows increasing the sample of questionnaires for consideration, focusing on parameters that in turn are indicators of ethics and help make the system more transparent, honest and user-oriented. The created ethical mivar expert system increases customer confidence in financial institutions and promotes the development of responsible lending.
Keywords: mivar, mivar networks, mivar expert systems, ESS, Wi!Mi, Razumator, AI, Big Knowledge, relationships, scoring, lending, ethics.

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Release: 4(35)'2024
Chapter: SYSTEM ANALYSIS, CONTROL AND INFORMATION PROCESSING, STATISTICS
How to quote: Torzhkov M. S. Koroleva Yu. P. Baldin A. V. Kotsenko A. A. Shen QiujieCREATION OF A MIVAR EXPERT SYSTEM FOR IMPLEMENTING ETHICAL ASPECTS OF ARTIFICIAL INTELLIGENCE FOR CREDIT SCORING [Text] / M. S. Torzhkov Yu. P. Koroleva A. V. Baldin A. A. Kotsenko Shen Qiujie // Problems of artificial intelligence. - 2024. № 4 (35). - P. 139-150. - http://paijournal.guiaidn.ru/ru/2024/4(35)-12.html

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