RESUMEN
The granting process is based on the probability that the applicant will refund his/her loan given his/her characteristics. This probability, also called score, is learnt based on a dataset in which rejected applicants are excluded. Thus, the population on which the score is used is different from the learning population. Many "reject inference" methods try to exploit the data available from the rejected applicants in the learning process. However, most of these methods are empirical and lack of formalization of their assumptions, and of their expected theoretical properties. We formalize such hidden assumptions in a general missing data setting for some of the most common reject inference methods. It reveals that hidden modelling is mostly incomplete, thus prohibiting to compare existing methods within the general model selection mechanism (except by financing "non-fundable" applicants). So, we assess performance of the methods on both simulated data and real data (from CACF, a major European loan issuer). Unsurprisingly, no method seems uniformly dominant. Both these theoretical and empirical results not only reinforce the idea to carefully use the classical reject inference methods but also to invest in future research works for designing model-based reject inference methods (without financing "non-fundable" applicants).
RESUMEN
Analysis of fluorescence lifetime imaging microscopy (FLIM) and Förster resonance energy transfer (FRET) experiments in living cells is usually based on mean lifetimes computations. However, these mean lifetimes can induce misinterpretations. We propose in this work the implementation of the transportation distance for FLIM and FRET experiments in vivo. This non-fitting indicator, which is easy to compute, reflects the similarity between two distributions and can be used for pixels clustering to improve the estimation of the FRET parameters. We study the robustness and the discriminating power of this transportation distance, both theoretically and numerically. In addition, a comparison study with the largely used mean lifetime differences is performed. We finally demonstrate practically the benefits of the transportation distance over the usual mean lifetime differences for both FLIM and FRET experiments in living cells.
