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Avenue Analytics
Platform for building AI-powered pricing models that regulators understand
Train gradient boosting models that convert directly into transparent factor tables.
Modernizing Insurance Pricing
The Challenge
Most insurers rely on outdated statistical methods that produce compliant tables but require extensive manual work.
Modern ML offers better predictions with less effort, but its “black box” nature prevents regulatory approval.
The Solution
Avenue Analytics is a web platform that trains GBMs with specialized regularization, producing models that are exactly representable as transparent factor tables.
Access the platform at app.avenue-analytics.com
The Avenue Platform
A streamlined workflow for building transparent ML models
Upload Data
Connect your datasets from S3 storage
Configure Models
Set target variables and parameters - the platform discovers patterns automatically
Optimize & Select
Multi-objective optimization generates a Pareto frontier of model options
Review & Export
Edit factor tables as needed, then export for deployment
Get both the predictive power of GBMs and the transparency regulators require
Research & Methodology
Our platform and methodology are backed by rigorous research
Transparent Machine Learning for Insurance Pricing: Bridging the Gap Between Accuracy and Explainability
Author: Lucas Muzynoski, Founder of Avenue Analytics
Abstract
This paper presents a novel methodology for implementing machine learning models in insurance pricing that maintains full regulatory transparency while achieving superior predictive accuracy. We demonstrate a mathematical equivalency between complex ensemble models and traditional factor tables, enabling insurers to deploy advanced AI while maintaining an interpretable model.
💡 This research powers the Avenue platform.
Why Choose Avenue Analytics
Enterprise platform with proven methodologies and expert support
Platform & Consulting
Access our web platform for model training and factor table generation, with consulting available for implementation guidance.
Automated Model Development
Automated feature engineering and interaction searching. The platform explores the function space to find the most predictive models efficiently.
Enterprise-Ready Scalability
Avenue uses an extremely fast and efficient modeling framework that gracefully scales to millions of records.
Transparency & Control
Trace every prediction through familiar factor tables that satisfy regulators. Review, edit, and explain every factor in your model.
Modern Tech Integration
Built on Python for seamless integration with your data science workflows. Works with S3, supports standard formats, and fits naturally into modern tech stacks.
Superior Accuracy
Get the predictive power of advanced machine learning while maintaining regulatory transparency.
Our Story
Before I founded Avenue Analytics, my career lived in two worlds: insurance pricing, where regulations forced us to use outdated GLMs, and production data science, where we deployed powerful machine learning with ease.
The gap was maddening until I discovered something hidden in plain sight: a perfect mathematical equivalency between complex boosted tree models and simple factor tables.
Today, Avenue Analytics provides both a platform and consulting services to help insurance companies deploy advanced models while meeting regulatory requirements. Whether you need access to our software or hands-on implementation guidance, I'm here to help.
Bridging the gap between AI power and regulatory clarity.
— Lucas Muzynoski, Founder