Converting tabular credit data into images with target-based feature allocation lets a 2D CNN match or beat XGBoost on large credit scoring benchmarks.
Table2Image: Interpretable Tabular Data Classification with Realistic Image Transformations
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abstract
Recent advancements in deep learning for tabular data have shown promise, but challenges remain in achieving interpretable and lightweight models. This paper introduces Table2Image, a novel framework that transforms tabular data into realistic and diverse image representations, enabling deep learning methods to achieve competitive classification performance. To address multicollinearity in tabular data, we propose a variance inflation factor (VIF) initialization, which enhances model stability and robustness by incorporating statistical feature relationships. Additionally, we present an interpretability framework that integrates insights from both the original tabular data and its transformed image representations, by leveraging Shapley additive explanations (SHAP) and methods to minimize distributional discrepancies. Experiments on benchmark datasets demonstrate the efficacy of our approach, achieving superior accuracy, area under the curve, and interpretability compared to recent leading deep learning models. Our lightweight method provides a scalable and reliable solution for tabular data classification.
fields
cs.CE 1years
2026 1verdicts
CONDITIONAL 1representative citing papers
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Tabular Image: a method to convert tabular data to images for convolutional neural networks
Converting tabular credit data into images with target-based feature allocation lets a 2D CNN match or beat XGBoost on large credit scoring benchmarks.