Reinforcement Learning for Debt Collection

1. Learning to Persuade
Artificial Intelligence
for Debt Collection
Jorge Davila-Chacon
Data Scientist
Data Innovation Summit – Stockholm 2017

2. 5 min
What is RL?
5 min
What can RL do?
5 min
Learning to Forget
5 min
Take away

3. What is RL?

4. From
Artificial Intelligence
To
Machine Learning
To
Reinforcement Learning

5. Artificial Intelligence
“Flexible rational agent that perceives its
environment and takes actions that maximize its
chance of success at an arbitrary goal.”
- S. Russell and P. Norvig

6. Machine Learning
Data
Program
Output
Data
Output
Program
Traditional
Machine Learning
1
1
2
2

7. Machine Learning
Supervised
Learning
Unsupervised
Learning
Reinforcement
Learning

8. Reinforcement Learning
“A way of programming agents by reward
and punishment without needing to specify
how the task is to be achieved”
- Leslie P. Kaelbling

9. Exploration vs Exploitation
It's all about soups...

10. What can RL do?

11. State-of-the-Art

12. Reference: Silver et al. Mastering the game of Go with deep neural networks and tree search. Nature, 2016.
Learning to be lazy

13. Learning to be lazy
Q-Values Recommended Times
Time Agent

14. Learning to react
www.bostondynamics.com

15. Learning to react

16. Learning to be fast
www.bostondynamics.com

17. Learning to be fast

18. Learning to be fast
Explore more
Exploit more

19. Learning to be fast
Lose
Win

20. Learning to be fast

21. Learning to be fast

22. Learning to be fast

23. Learning to forget

24. Learning to forget

25. Learning to forget

26. Take away

27. Understand AI
● AI is more than just “stats”
Its about exploration strategies
● Be careful with technology hypes
But don’t be afraid if you see someone fail
● Unleash the beast!
Sprinkling your business with AI might not be enough

28. Tack för din uppmärksamhet!
Visit
collect.ai
or
LinkedIn
Jorge Davila-Chacon