@article{explainingadverseactionsincredit,
  title = {Explaining Adverse Actions in Credit Decisions Using Shapley Decomposition},
  author = {Vijayan N. Nair and Tianshu Feng and Linwei Hu and Zach Zhang and Jie Chen and Agus Sudjianto},
  year = {2022},
  eprint = {2204.12365},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2204.12365v1},
}