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cs.CY2025
Escaping the Subprime Trap in Algorithmic Lending
Adam Bouyamourn, Alexander Williams Tolbert
Disparities in lending to minority applicants persist even as algorithmic lending finds widespread adoption. We study the role of risk-management constraints, specifically Value-at…
cs.CY2025
A Theoretical Model for Grit in Pursuing Ambitious Ends
Avrim Blum, Emily Diana, Kavya Ravichandran +1
Ambition and risk-taking have been heralded as important ways for marginalized communities to get out of cycles of poverty. As a result, educational messaging often encourages indi…
cs.CY2025
Reconciling Predictive Multiplicity in Practice
Tina Behzad, SÃlvia Casacuberta, Emily Ruth Diana +1
Many machine learning applications predict individual probabilities, such as the likelihood that a person develops a particular illness. Since these probabilities are unknown, a ke…