What Is Held-Out Model Evaluation?
Held-out evaluation tests a predictive model on data it never saw during training. Here is how it works, why in-sample accuracy flatters, and a worked example on 28,306 transactions.
#predictive AI
3 articles tagged “predictive AI”.
Predictive AI vs. Generative AI: When You Don't Need an LLM
Predictive models turn rows of structured data into a class or a number and can be measured on held-out data. Generative models turn prompts into new text. Here is when each one fits.
99.9% Accurate—and Why That Number Can Be Misleading
A real fraud-classification experiment scored 99.9% accuracy on 28,306 held-out transactions, yet missed 14 of 50 frauds. Here is why accuracy alone misleads on imbalanced data.