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This study conducts a comprehensive exploration of the neurocognitive processes underlying consumer credit decision-making using cutting-edge techniques from neuroscience and machine learning (ML). Employing functional Near-Infrared Spectroscopy (fNIRS), the research examines the hemodynamic responses of participants while evaluating diverse credit offers. The experimental phase of this study investigates the hemodynamic responses collected from 39 healthy participants with respect to different loan offers. This study integrates fNIRS data with advanced ML algorithms, specifically Extreme Gradient Boosting, CatBoost, Extra Tree Classifier, and Light Gradient Boosted Machine, to predict participants' credit decisions based on prefrontal cortex (PFC) activation patterns. Findings reveal distinctive PFC regions correlating with credit behaviors, including the dorsolateral prefrontal cortex (dlPFC) associated with strategic decision-making, the orbitofrontal cortex (OFC) linked to emotional valuations, and the ventromedial prefrontal cortex (vmPFC) reflecting brand integration and reward processing. Notably, the right dorsomedial prefrontal cortex (dmPFC) and the right vmPFC contribute to positive credit preferences. This interdisciplinary approach bridges neuroscience, machine learning and finance, offering unprecedented insights into the neural mechanisms guiding financial choices regarding different loan offers. The study's predictive model holds promise for refining financial services and illuminating human financial behavior within the burgeoning field of neurofinance. The work exemplifies the potential of interdisciplinary research to enhance our understanding of human financial decision-making.

Deep neural networks are naturally “black boxes”, offering little insight into how or why they make decisions. These limitations diminish the adoption likelihood of such systems for important tasks and as trusted teammates. We design and employ an introspective method to abstract neural activation patterns into human-interpretable strategies and identify relationships between environmental conditions (why), strategies (how), and performance (result) on a deep reinforcement learning two-dimensional pursuit game application. For example, we found that activation patterns that were abstracted into “head-on” or “L-shaped” maneuver strategies were successful and intuitively corresponded to favorable initial conditions. Moreover, we characterize machine commitment by the introduction of a novel measure based on analysis of time-series neural activation patterns over the course of a game, and reveal significant correlations between machine commitment and performance. By uncovering temporally-dependent machine “thought processes” and commitment through introspection, we contribute to the larger explainable artificial intelligence initiative, increasing transparency and trust in machine learning systems.

Effective Brain–Computer Interfaces (BCIs) require that the time-varying activation patterns of 2-D neural ensembles be modelled. The cluster variation method (CVM) offers a means for the characterization of 2-D local pattern distributions. This paper provides neuroscientists and BCI researchers with a CVM tutorial that will help them to understand how the CVM statistical thermodynamics formulation can model 2-D pattern distributions expressing structural and functional dynamics in the brain. The premise is that local-in-time free energy minimization works alongside neural connectivity adaptation, supporting the development and stabilization of consistent stimulus-specific responsive activation patterns. The equilibrium distribution of local patterns, or configuration variables, is defined in terms of a single interaction enthalpy parameter (h) for the case of an equiprobable distribution of bistate (neural/neural ensemble) units. Thus, either one enthalpy parameter (or two, for the case of non-equiprobable distribution) yields equilibrium configuration variable values. Modeling 2-D neural activation distribution patterns with the representational layer of a computational engine, we can thus correlate variational free energy minimization with specific configuration variable distributions. The CVM triplet configuration variables also map well to the notion of a M = 3 functional motif. This paper addresses the special case of an equiprobable unit distribution, for which an analytic solution can be found.

Neurophysiological studies have shown that parietal mirror neurons encode not only actions but also the goal of these actions. Although some mirror neurons will fire whenever a certain action is perceived (goal-independently), most will only fire if the motion is perceived as part of an action with a specific goal. This result is important for the action-understanding hypothesis as it provides a potential neurological basis for such a cognitive ability. It is also relevant for the design of artificial cognitive systems, in particular robotic systems that rely on computational models of the mirror system in their interaction with other agents. Yet, to date, no computational model has explicitly addressed the mechanisms that give rise to both goal-specific and goal-independent parietal mirror neurons. In the present paper, we present a computational model based on a self-organizing map, which receives artificial inputs representing information about both the observed or executed actions and the context in which they were executed. We show that the map develops a biologically plausible organization in which goal-specific mirror neurons emerge. We further show that the fundamental cause for both the appearance and the number of goal-specific neurons can be found in geometric relationships between the different inputs to the map. The results are important to the action-understanding hypothesis as they provide a mechanism for the emergence of goal-specific parietal mirror neurons and lead to a number of predictions: (1) Learning of new goals may mostly reassign existing goal-specific neurons rather than recruit new ones; (2) input differences between executed and observed actions can explain observed corresponding differences in the number of goal-specific neurons; and (3) the percentage of goal-specific neurons may differ between motion primitives.

Visual cortical prostheses have the potential to restore partial vision. Still limited by the low-resolution visual percepts provided by visual cortical prostheses, implant wearers can currently only ＂see＂ pixelized images, and how to obtain the specific brain responses to different pixelized images in the primary visual cortex（the implant area） is still unknown. We conducted a functional magnetic resonance imaging experiment on normal human participants to investigate the brain activation patterns in response to 18 different pixelized images. There were 100 voxels in the brain activation pattern that were selected from the primary visual cortex, and voxel size was 4 mm × 4 mm × 4 mm. Multi-voxel pattern analysis was used to test if these 18 different brain activation patterns were specific. We chose a Linear Support Vector Machine（LSVM） as the classifier in this study. The results showed that the classification accuracies of different brain activation patterns were significantly above chance level, which suggests that the classifier can successfully distinguish the brain activation patterns. Our results suggest that the specific brain activation patterns to different pixelized images can be obtained in the primary visual cortex using a 4 mm × 4 mm × 4 mm voxel size and a 100-voxel pattern.

This chapter contains sections titled: A Model of Language and Aging Normal Aging and Language Performance: Behavioral Findings Language Networks in the Brain Normal Aging and the Brain: Volume Normal Aging and the Brain: Neural Activation Conclusion References

Artificial neural networks suffer from catastrophic forgetting. Unlike humans, when these networks are trained on something new, they rapidly forget what was learned before. In the brain, a mechanism thought to be important for protecting memories is the reactivation of neuronal activity patterns representing those memories. In artificial neural networks, such memory replay can be implemented as ‘generative replay’, which can successfully – and surprisingly efficiently – prevent catastrophic forgetting on toy examples even in a class-incremental learning scenario. However, scaling up generative replay to complicated problems with many tasks or complex inputs is challenging. We propose a new, brain-inspired variant of replay in which internal or hidden representations are replayed that are generated by the network’s own, context-modulated feedback connections. Our method achieves state-of-the-art performance on challenging continual learning benchmarks (e.g., class-incremental learning on CIFAR-100) without storing data, and it provides a novel model for replay in the brain. One challenge that faces artificial intelligence is the inability of deep neural networks to continuously learn new information without catastrophically forgetting what has been learnt before. To solve this problem, here the authors propose a replay-based algorithm for deep learning without the need to store data.

To what extent are predictive deep learning models of neural responses useful for generating experimental hypotheses? Bashivan et al. took an artificial neural network built to model the behavior of the target visual system and used it to construct images predicted to either broadly activate large populations of neurons or selectively activate one population while keeping the others unchanged. They then analyzed the effectiveness of these images in producing the desired effects in the macaque visual cortex. The manipulations showed very strong effects and achieved considerable and highly selective influence over the neuronal populations. Using novel and non-naturalistic images, the neural network was shown to reproduce the overall behavior of the animals' neural responses. Science , this issue p. eaav9436 A deep artificial neural network can model primate vision. Particular deep artificial neural networks (ANNs) are today’s most accurate models of the primate brain’s ventral visual stream. Using an ANN-driven image synthesis method, we found that luminous power patterns (i.e., images) can be applied to primate retinae to predictably push the spiking activity of targeted V4 neural sites beyond naturally occurring levels. This method, although not yet perfect, achieves unprecedented independent control of the activity state of entire populations of V4 neural sites, even those with overlapping receptive fields. These results show how the knowledge embedded in today’s ANN models might be used to noninvasively set desired internal brain states at neuron-level resolution, and suggest that more accurate ANN models would produce even more accurate control.

As embryos develop, numerous cell types with distinct functions and morphologies arise from pluripotent cells. Three research groups have used single-cell RNA sequencing to analyze the transcriptional changes accompanying development of vertebrate embryos (see the Perspective by Harland). Wagner et al. sequenced the transcriptomes of more than 90,000 cells throughout zebrafish development to reveal how cells differentiate during axis patterning, germ layer formation, and early organogenesis. Farrell et al. profiled the transcriptomes of tens of thousands of embryonic cells and applied a computational approach to construct a branching tree describing the transcriptional trajectories that lead to 25 distinct zebrafish cell types. The branching tree revealed how cells change their gene expression as they become more and more specialized. Briggs et al. examined whole frog embryos, spanning zygotic genome activation through early organogenesis, to map cell states and differentiation across all cell lineages over time. These data and approaches pave the way for the comprehensive reconstruction of transcriptional trajectories during development. Science , this issue p. 981 , p. eaar3131 , p. eaar5780 ; see also p. 967 A single-cell transcriptome analysis of whole frog embryos reveals cell states and provides a map of differentiation over time. Time series of single-cell transcriptome measurements can reveal dynamic features of cell differentiation pathways. From measurements of whole frog embryos spanning zygotic genome activation through early organogenesis, we derived a detailed catalog of cell states in vertebrate development and a map of differentiation across all lineages over time. The inferred map recapitulates most if not all developmental relationships and associates new regulators and marker genes with each cell state. We find that many embryonic cell states appear earlier than previously appreciated. We also assess conflicting models of neural crest development. Incorporating a matched time series of zebrafish development from a companion paper, we reveal conserved and divergent features of vertebrate early developmental gene expression programs.

Clients are increasingly looking for fast and effective means to quickly and frequently survey and communicate the condition of their buildings so that essential repairs and maintenance work can be done in a proactive and timely manner before it becomes too dangerous and expensive. Traditional methods for this type of work commonly comprise of engaging building surveyors to undertake a condition assessment which involves a lengthy site inspection to produce a systematic recording of the physical condition of the building elements, including cost estimates of immediate and projected long-term costs of renewal, repair and maintenance of the building. Current asset condition assessment procedures are extensively time consuming, laborious, and expensive and pose health and safety threats to surveyors, particularly at height and roof levels which are difficult to access. This paper aims at evaluating the application of convolutional neural networks (CNN) towards an automated detection and localisation of key building defects, e.g., mould, deterioration, and stain, from images. The proposed model is based on pre-trained CNN classifier of VGG-16 (later compaired with ResNet-50, and Inception models), with class activation mapping (CAM) for object localisation. The challenges and limitations of the model in real-life applications have been identified. The proposed model has proven to be robust and able to accurately detect and localise building defects. The approach is being developed with the potential to scale-up and further advance to support automated detection of defects and deterioration of buildings in real-time using mobile devices and drones.