Speakers:
Why Transparency and Performance Need Not Be in Conflict: the Case of the Schufa-Score
Date:
Tuesday, November 18, 2025
Time:
11:35 am
Summary:
The assumption, that modern, complex models automatically outperform older, simpler ones, still permeates many organisations and decision-makers. Niklas will show analytically (using Bias-Variance Trade-Off and the interpolation threshold) when this holds true and when simple, transparent models perform as well or better than the most sophisticated modern AI tools. He will showcase how he used this approach to design a new, fully transparent, high-performance credit score with the Schufa Holding AG.
Speakers:
AI-powered Consumer Loan Pricing at ING
Date:
Tuesday, November 18, 2025
Time:
12:05 pm
Summary:
This presentation will delve into the suitability of various AI models and advanced analytics methods for pricing, addressing the preference between price elasticity and volume prediction models. Beyond the modeling approach, Katharina will show you strategies for identifying the right features, both generally and within the pricing context. Join Katharina to gain valuable insights into optimizing consumer loan pricing with AI at ING, a German direct bank.