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https://en.wikipedia.org/wiki/Expert_system https://en.wikipedia.org/wiki/Expert_system

• DrRavenstein 5y ago
  Difference is that random decision forests learn the rules for themselves, they don't have to be programmed in manually by experts. They're one of the most performant "pre-deep-learning" machine learning models and a sensible baseline for many ML tasks before you go out and buy a $1500 GPU
  • Closi 5y ago
    The ability to program approval rules and understand why decisions have been made (and then tweak the ruleset based on economic/statistical analysis) is a feature for these sort of organizations, not a limitation. There will be elements of AI which are useful, but ultimately banks will want to know why a certain decision was made, and want to incorporate their own economic calculations and forecasts into the model.
    • visarga 5y ago
      Decision forests don't provide that explainability though, how can you interpret averages of hundreds of decision trees?