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As the use of black-box models becomes ubiquitous in high stake decision-making systems, demands for fair and interpretable models are increasing. While it has been shown that interpretable models can be as accurate as black-box models in…

Machine Learning · Computer Science 2020-02-19 Ulrich Aïvodji , Julien Ferry , Sébastien Gambs , Marie-José Huguet , Mohamed Siala

In recent years, the use of sophisticated statistical models that influence decisions in domains of high societal relevance is on the rise. Although these models can often bring substantial improvements in the accuracy and efficiency of…

Machine Learning · Computer Science 2021-04-13 Alfredo Carrillo , Luis F. Cantú , Alejandro Noriega

The growing complexity of AI systems has intensified the need for transparency through Explainable AI (XAI). Counterfactual explanations (CFs) offer actionable "what-if" scenarios on three levels: Local CFs providing instance-specific…

Machine Learning · Computer Science 2026-05-12 Oleksii Furman , Patryk Wielopolski , Łukasz Lenkiewicz , Jerzy Stefanowski , Maciej Zięba

We propose a novel symbolic modeling framework for decision-making under risk that merges interpretability with the core insights of Prospect Theory. Our approach replaces opaque utility curves and probability weighting functions with…

Artificial Intelligence · Computer Science 2025-04-22 Ali Arslan Yousaf , Umair Rehman , Muhammad Umair Danish

A barrier to the wider adoption of neural networks is their lack of interpretability. While local explanation methods exist for one prediction, most global attributions still reduce neural network decisions to a single set of features. In…

Machine Learning · Computer Science 2019-02-08 Mark Ibrahim , Melissa Louie , Ceena Modarres , John Paisley

Graph neural networks (GNNs) are highly effective on a variety of graph-related tasks; however, they lack interpretability and transparency. Current explainability approaches are typically local and treat GNNs as black-boxes. They do not…

Machine Learning · Computer Science 2023-03-10 Han Xuanyuan , Pietro Barbiero , Dobrik Georgiev , Lucie Charlotte Magister , Pietro Lió

We consider the problem of explaining the predictions of an arbitrary blackbox model $f$: given query access to $f$ and an instance $x$, output a small set of $x$'s features that in conjunction essentially determines $f(x)$. We design an…

Machine Learning · Computer Science 2021-11-03 Guy Blanc , Jane Lange , Li-Yang Tan

Inherent explainability is the gold standard in Explainable Artificial Intelligence (XAI). However, there is not a consistent definition or test to demonstrate inherent explainability. Work to date either characterises explainability…

Machine Learning · Computer Science 2025-12-22 Michael Merry , Pat Riddle , Jim Warren

Fairness of machine learning models in healthcare has drawn increasing attention from clinicians, researchers, and even at the highest level of government. On the other hand, the importance of developing and deploying interpretable or…

Machine Learning · Computer Science 2024-09-04 Mary M. Lucas , Xiaoyang Wang , Chia-Hsuan Chang , Christopher C. Yang , Jacqueline E. Braughton , Quyen M. Ngo

Image captioning is a technology that produces text-based descriptions for an image. Deep learning-based solutions built on top of feature recognition may very well serve the purpose. But as with any other machine learning solution, the…

Computer Vision and Pattern Recognition · Computer Science 2024-07-16 Rishi Kesav Mohan , Sanjay Sureshkumar , Vignesh Sivasubramaniam

In this work, we present a new approach for constructing models for correlation matrices with a user-defined graphical structure. The graphical structure makes correlation matrices interpretable and avoids the quadratic increase of…

Every publicly traded U.S. company files an annual 10-K report containing critical insights into financial health and risk. We propose Tiny eXplainable Risk Assessor (TinyXRA), a lightweight and explainable transformer-based model that…

Risk Management · Quantitative Finance 2025-07-04 Xue Wen Tan , Stanley Kok

Interpretability and transparency are essential for incorporating causal effect models from observational data into policy decision-making. They can provide trust for the model in the absence of ground truth labels to evaluate the accuracy…

Methodology · Statistics 2024-02-01 Lucile Ter-Minassian , Liran Szlak , Ehud Karavani , Chris Holmes , Yishai Shimoni

Company financial risks pose a significant threat to personal wealth and national economic stability, stimulating increasing attention towards the development of efficient andtimely methods for monitoring them. Current approaches tend to…

Computational Engineering, Finance, and Science · Computer Science 2025-03-11 Huaming Du , Lei Yuan , Qing Yang , Xingyan Chen , Yu Zhao , Han Ji , Fuzhen Zhuang , Carl Yang , Gang Kou

Whilst an abundance of techniques have recently been proposed to generate counterfactual explanations for the predictions of opaque black-box systems, markedly less attention has been paid to exploring the uncertainty of these generated…

Machine Learning · Computer Science 2021-07-22 Eoin Delaney , Derek Greene , Mark T. Keane

Predictive models are being increasingly used to support consequential decision making at the individual level in contexts such as pretrial bail and loan approval. As a result, there is increasing social and legal pressure to provide…

Machine Learning · Computer Science 2020-03-02 Amir-Hossein Karimi , Gilles Barthe , Borja Balle , Isabel Valera

Most of the work on interpretable machine learning has focused on designing either inherently interpretable models, which typically trade-off accuracy for interpretability, or post-hoc explanation systems, which lack guarantees about their…

Machine Learning · Computer Science 2019-06-05 Gregory Plumb , Maruan Al-Shedivat , Eric Xing , Ameet Talwalkar

The integration of artificial intelligence into business processes has significantly enhanced decision-making capabilities across various industries such as finance, healthcare, and retail. However, explaining the decisions made by these AI…

Artificial Intelligence · Computer Science 2024-10-29 Arne Grobrugge , Nidhi Mishra , Johannes Jakubik , Gerhard Satzger

Model interpretability is an increasingly important component of practical machine learning. Some of the most common forms of interpretability systems are example-based, local, and global explanations. One of the main challenges in…

Machine Learning · Computer Science 2019-01-08 Gregory Plumb , Denali Molitor , Ameet Talwalkar

In science and medicine, model interpretations may be reported as discoveries of natural phenomena or used to guide patient treatments. In such high-stakes tasks, false discoveries may lead investigators astray. These applications would…

Machine Learning · Statistics 2020-08-18 Collin Burns , Jesse Thomason , Wesley Tansey
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