Andrea Maurino

Andrea Maurino

Machine Learning (ML) models are being increasingly employed for credit risk evaluation, with their effectiveness largely hinging on the quality of the input data. In this paper we investigate the impact of several data quality issues, including missing values, noisy attributes, outliers, and label errors, on the predictive accuracy of the machine learning model used in credit risk assessment. Utilizing an open-source dataset, we introduce controlled data corruption using the Pucktrick library to assess the robustness of 10 frequently used models like Random Forest, SVM, and Logistic Regression and so on. Our experiments show significant differences in model robustness based on the nature and severity of the data degradation. Moreover, the proposed methodology and accompanying tools offer practical support for practitioners seeking to enhance data pipeline robustness, and provide researchers with a flexible framework for further experimentation in data-centric AI contexts.

Andrea Maurino

The quality of training data is critical to the performance of machine learning models. In this paper, the Error Sensitivity Profile (ESP) is proposed. It quantifies the sensitivity of model performance to errors in a single feature or in multiple features. By leveraging ESP, data-cleaning efforts can be prioritized based on error types and features most likely to affect model performance. To support the computation of this metric, an integrated suite of tools, called \dirty, is created. We conduct an extensive experimental study on two widely used datasets using 14 classification models, revealing that performance degradation is not always predictable from simple correlations with the target variable.

Mattia Birti, Francesco Osborne, Andrea Maurino

The integration of Environmental, Social, and Governance (ESG) factors into corporate decision-making is a fundamental aspect of sustainable finance. However, ensuring that business practices align with evolving regulatory frameworks remains a persistent challenge. AI-driven solutions for automatically assessing the alignment of sustainability reports and non-financial disclosures with specific ESG activities could greatly support this process. Yet, this task remains complex due to the limitations of general-purpose Large Language Models (LLMs) in domain-specific contexts and the scarcity of structured, high-quality datasets. In this paper, we investigate the ability of current-generation LLMs to identify text related to environmental activities. Furthermore, we demonstrate that their performance can be significantly enhanced through fine-tuning on a combination of original and synthetically generated data. To this end, we introduce ESG-Activities, a benchmark dataset containing 1,325 labelled text segments classified according to the EU ESG taxonomy. Our experimental results show that fine-tuning on ESG-Activities significantly enhances classification accuracy, with open models such as Llama 7B and Gemma 7B outperforming large proprietary solutions in specific configurations. These findings have important implications for financial analysts, policymakers, and AI researchers seeking to enhance ESG transparency and compliance through advanced natural language processing techniques.

Stefano Fiorini, Michele Ciavotta, Andrea Maurino

In recent years, studying and predicting alternative mobility (e.g., sharing services) patterns in urban environments has become increasingly important as accurate and timely information on current and future vehicle flows can successfully increase the quality and availability of transportation services. This need is aggravated during the current pandemic crisis, which pushes policymakers and private citizens to seek social-distancing compliant urban mobility services, such as electric bikes and scooter sharing offerings. However, predicting the number of incoming and outgoing vehicles for different city areas is challenging due to the nonlinear spatial and temporal dependencies typical of urban mobility patterns. In this work, we propose STREED-Net, a novel deep learning network with a multi-attention (spatial and temporal) mechanism that effectively captures and exploits complex spatial and temporal patterns in mobility data. The results of a thorough experimental analysis using real-life data are reported, indicating that the proposed model improves the state-of-the-art for this task.