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Financial decisions impact our lives, and thus everyone from the regulator to the consumer is interested in fair, sound, and explainable decisions. There is increasing competitive desire and regulatory incentive to deploy AI mindfully…

Machine Learning · Computer Science 2019-06-26 Ramya Srinivasan , Ajay Chander , Pouya Pezeshkpour

Explaining firm decisions made by algorithms in customer-facing applications is increasingly required by regulators and expected by customers. While the emerging field of Explainable Artificial Intelligence (XAI) has mainly focused on…

Human-Computer Interaction · Computer Science 2021-07-07 Yanou Ramon , Tom Vermeire , Olivier Toubia , David Martens , Theodoros Evgeniou

The growing attention to artificial intelligence-based applications has led to research interest in explainability issues. This emerging research attention on explainable AI (XAI) advocates the need to investigate end user-centric…

Artificial Intelligence · Computer Science 2023-11-07 AKM Bahalul Haque , A. K. M. Najmul Islam , Patrick Mikalef

Explainable Artificial Intelligence (XAI) has re-emerged in response to the development of modern AI and ML systems. These systems are complex and sometimes biased, but they nevertheless make decisions that impact our lives. XAI systems are…

Artificial Intelligence · Computer Science 2021-02-10 Shane T. Mueller , Elizabeth S. Veinott , Robert R. Hoffman , Gary Klein , Lamia Alam , Tauseef Mamun , William J. Clancey

There has recently been a surge of work in explanatory artificial intelligence (XAI). This research area tackles the important problem that complex machines and algorithms often cannot provide insights into their behavior and thought…

Artificial Intelligence · Computer Science 2019-02-05 Leilani H. Gilpin , David Bau , Ben Z. Yuan , Ayesha Bajwa , Michael Specter , Lalana Kagal

We often use "explainable" Artificial Intelligence (XAI)" and "interpretable AI (IAI)" interchangeably when we apply various XAI tools for a given dataset to explain the reasons that underpin machine learning (ML) outputs. However, these…

Artificial Intelligence · Computer Science 2024-08-23 Caesar Wu , Rajkumar Buyya , Yuan Fang Li , Pascal Bouvry

The lack of explainability of a decision from an Artificial Intelligence (AI) based "black box" system/model, despite its superiority in many real-world applications, is a key stumbling block for adopting AI in many high stakes applications…

Artificial Intelligence · Computer Science 2021-01-26 Sheikh Rabiul Islam , William Eberle , Sheikh Khaled Ghafoor , Mohiuddin Ahmed

Smart home systems are gaining popularity as homeowners strive to enhance their living and working environments while minimizing energy consumption. However, the adoption of artificial intelligence (AI)-enabled decision-making models in…

Human-Computer Interaction · Computer Science 2024-07-30 Md Shajalal , Alexander Boden , Gunnar Stevens , Delong Du , Dean-Robin Kern

According to the latest trend of artificial intelligence, AI-systems needs to clarify regarding general,specific decisions,services provided by it. Only consumer is satisfied, with explanation , for example, why any classification result is…

Machine Learning · Computer Science 2025-02-06 Rossi Kamal

A surge of interest in explainable AI (XAI) has led to a vast collection of algorithmic work on the topic. While many recognize the necessity to incorporate explainability features in AI systems, how to address real-world user needs for…

Human-Computer Interaction · Computer Science 2021-09-07 Q. Vera Liao , Daniel Gruen , Sarah Miller

Explainable AI (XAI) is widely viewed as a sine qua non for ever-expanding AI research. A better understanding of the needs of XAI users, as well as human-centered evaluations of explainable models are both a necessity and a challenge. In…

Artificial Intelligence · Computer Science 2024-10-17 Yao Rong , Tobias Leemann , Thai-trang Nguyen , Lisa Fiedler , Peizhu Qian , Vaibhav Unhelkar , Tina Seidel , Gjergji Kasneci , Enkelejda Kasneci

Artificial intelligence (AI) enables machines to learn from human experience, adjust to new inputs, and perform human-like tasks. AI is progressing rapidly and is transforming the way businesses operate, from process automation to cognitive…

Machine Learning · Computer Science 2021-12-17 Ambreen Hanif

Artificial Intelligence (AI) systems are increasingly used for decision-making across domains, raising debates over the information and explanations they should provide. Most research on Explainable AI (XAI) has focused on feature-based…

Artificial Intelligence · Computer Science 2025-05-05 Federico Maria Cau , Lucio Davide Spano

With Artificial Intelligence (AI) becoming ubiquitous in every application domain, the need for explanations is paramount to enhance transparency and trust among non-technical users. Despite the potential shown by Explainable AI (XAI) for…

Human-Computer Interaction · Computer Science 2024-02-05 Aditya Bhattacharya

Explainable AI (XAI) has a counterpart in analytical modeling which we refer to as model explainability. We tackle the issue of model explainability in the context of prediction models. We analyze a dataset of loans from a credit card…

Machine Learning · Computer Science 2024-06-03 Donald Kridel , Jacob Dineen , Daniel Dolk , David Castillo

Explainable Artificial Intelligence (XAI) is essential for building advanced machine learning-powered applications, especially in critical domains such as medical diagnostics or autonomous driving. Legal, business, and ethical requirements…

Human-Computer Interaction · Computer Science 2024-10-17 Tobias Labarta , Elizaveta Kulicheva , Ronja Froelian , Christian Geißler , Xenia Melman , Julian von Klitzing

This study explores the integration of contextual explanations into AI-powered loan decision systems to enhance trust and usability. While traditional AI systems rely heavily on algorithmic transparency and technical accuracy, they often…

Human-Computer Interaction · Computer Science 2025-10-07 Allen Daniel Sunny

The unprecedented performance of machine learning models in recent years, particularly Deep Learning and transformer models, has resulted in their application in various domains such as finance, healthcare, and education. However, the…

Human-Computer Interaction · Computer Science 2023-12-20 Milad Rogha

Decision-making algorithms are being used in important decisions, such as who should be enrolled in health care programs and be hired. Even though these systems are currently deployed in high-stakes scenarios, many of them cannot explain…

Computers and Society · Computer Science 2022-05-12 Gabriel Lima , Nina Grgić-Hlača , Jin Keun Jeong , Meeyoung Cha

With the emergence of Artificial Intelligence (AI)-based decision-making, explanations help increase new technology adoption through enhanced trust and reliability. However, our experimental study challenges the notion that every user…

Human-Computer Interaction · Computer Science 2024-05-01 Sabid Bin Habib Pias , Alicia Freel , Timothy Trammel , Taslima Akter , Donald Williamson , Apu Kapadia
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