Privacy-Preserving Credit Risk Prediction with Alternative Data
arXiv:2606. 10333v1 Announce Type: new Abstract: Credit risk prediction is a critical problem in the consumer credit industry.
arXiv:2607. 28946v1 Announce Type: new Abstract: Despite its many benefits, widespread access to individuals' personal data also causes severe privacy concerns for consumers, companies, and policymakers.
arXiv:2606. 10333v1 Announce Type: new Abstract: Credit risk prediction is a critical problem in the consumer credit industry.
QuanText is a training‑free, large‑language‑model‑agnostic mechanism for releasing textual datasets that protects dataset‑level secrets such as the proportion of records with a particular diagnosis or gender. It perturbs both the secret distribution and correlated attribute distributions by selecting candidate release distributions close to the private empirical distribution and rewriting each text sample to match the chosen distribution using attribute‑related snippets. The method is inspired by the Statistic Maximal Leakage framework and, under idealized conditions, satisfies an SML guarantee, while empirical evaluations show a superior privacy‑utility trade‑off compared to existing data generation baselines.
The paper explores how missing data can inherently enhance privacy in machine learning. By integrating missingness into a differential privacy framework, the authors demonstrate that the absence of certain features can amplify privacy guarantees without altering the underlying algorithm. This reveals a previously overlooked interaction between data incompleteness and formal privacy protections.
arXiv:2503. 23536v3 Announce Type: replace-cross Abstract: Unlearnable data (ULD) has emerged as an innovative defense technique to prevent machine learning models from learning meaningful patterns from specific data, thus protecting data privacy and security.
arXiv:2608. 13773v1 Announce Type: cross Abstract: Neural networks are increasingly deployed in high-stakes applications with growing privacy leakage concerns.
arXiv:2307. 13127v3 Announce Type: replace-cross Abstract: Data used to train predictive models via empirical risk minimization (ERM) often contain sensitive personal information.
arXiv:2606. 16952v2 Announce Type: replace-cross Abstract: The rapid adoption of generative AI and Large Language Models (LLMs) has spurred interest in synthetic data as a privacy-preserving alternative to sensitive real-world datasets.
The paper argues that evaluating anonymity in synthetic data generation must focus on the generative model rather than just the resulting dataset. It interprets GDPR definitions of personal data and anonymization under realistic model-access scenarios, mapping these to state‑of‑the‑art privacy attacks. The authors conclude that synthetic data alone is insufficient for anonymization, and that Differential Privacy offers stronger protection than Similarity‑based Privacy Metrics.
arXiv:2607. 14607v1 Announce Type: cross Abstract: Machine learning (ML) models deployed in sensitive domains such as healthcare, law enforcement, and finance must satisfy not only utility requirements but also fairness and privacy guarantees.
arXiv:2606. 31742v1 Announce Type: cross Abstract: Explainable AI (XAI) methods have demonstrated significant success in recent years at identifying relevant features in input data that drive deep learning model decisions, enhancing interpretability for users.
arXiv:2608.28934v1 Announce Type: new Abstract: Differential privacy (DP) has traditionally been used to provide theoretical upper bounds on an algorithm's stability to changing its training data. In...
arXiv:2606. 16952v1 Announce Type: cross Abstract: The rapid adoption of generative AI and Large Language Models (LLMs) has spurred interest in synthetic data as a privacy-preserving alternative to sensitive real-world datasets.