Crystal Wang

All Publications

• The financial consequences of undiagnosed memory disorders JOURNAL OF FINANCIAL ECONOMICS Gresenz, C., Mitchell, J. M., Rodriguez, B., Wang, C., Turner, R., van der Klaauw, W. 2025; 172

  View details for DOI 10.1016/j.jfineco.2025.104149

  View details for Web of Science ID 001559518300001

• Using Under-Represented Subgroup Fine Tuning to Improve Fairness for Disease Prediction. Biomedical engineering systems and technologies, international joint conference, BIOSTEC ... revised selected papers. BIOSTEC (Conference) Wang, Y., Bone, R., Fleisher, W., Gresenz, C. R., Mitchell, J., van der Klaauw, W., Wang, C., Singh, L. 2025; 2: 240-253

  Abstract

  The role of artificial intelligence is growing in healthcare and disease prediction. Because of its potential impact and demographic disparities that have been identified in machine learning models for disease prediction, there are growing concerns about transparency, accountability and fairness of these predictive models. However, very little research has investigated methods for improving model fairness in disease prediction, particularly when the sensitive attribute is multivariate and when the distribution of sensitive attribute groups is highly skewed. In this work, we explore algorithmic fairness when predicting heart disease and Alzheimer's Disease and Related Dementias (ADRD). We propose a fine tuning approach to improve model fairness that takes advantage of observations from the majority groups to build a pre-trained model and uses observations from each underrepresented subgroup to fine tune the pre-trained model, thereby incorporating additional specific knowledge about each subgroup. We find that our fine tuning approach performs better than other algorithmic fairness fixing methods across all subgroups even if the subgroup distribution is very imbalanced and some subgroups are very small. This is an important step toward understanding approaches for improving fairness for healthcare and disease prediction.

  View details for DOI 10.5220/0013318600003911

  View details for PubMedID 41472841

• The financial consequences of undiagnosed memory disorders. Journal of financial economics Gresenz, C. R., Mitchell, J. M., Rodriguez, B., Wang, C., Turner, R. S., van der Klaauw, W. 2024; 172

  Abstract

  We examine the effect of undiagnosed memory disorders on credit outcomes using individually-matched nationally representative credit reporting and Medicare data. We find effects of early stage disease, years before diagnosis, on a wide range of financial outcomes, including credit card account payment delinquency and amount of delinquent balance, credit utilization among credit card account holders, mortgage delinquency and delinquent balance amount, and credit scores. Effects are pervasive, affecting seniors in single and coupled households, racial/ethnic minorities and non-minorities, and older adults living in areas with higher and lower education levels. Early stage effects are greater among singles and Black individuals.

  View details for DOI 10.1016/j.jfineco.2025.104149

  View details for PubMedID 41403394

  View details for PubMedCentralID PMC12705035