MAP20260004112 Out with the opaque / Karol Gawluwski...[et al.] Sumario: The article reviews how actuarial predictive models are evolving, comparing traditional GLM and GAM approaches with newer, more interpretable techniques such as IBLM and EBM. These modern models enhance predictive accuracy while preserving transparency, demonstrated through examples using real motor insurance data. The text highlights the growing importance of data science in actuarial practice En: The Actuary : the magazine of the Institute & Faculty of Actuaries. - London : Redactive Publishing, 2019-. - 02/02/2026 Number 7 - February 2026 , p. 32 - 35 1. Modelos predictivos . 2. Machine learning . 3. Cálculo actuarial . 4. Tarificación . 5. Seguro de automóviles . I. Gawlowski, Karol .