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Predicting default is essential for banks to ensure profitability and financial stability. While modern machine learning methods often outperform traditional regression techniques, their lack of transparency limits their use in regulated…

Machine Learning · Computer Science 2025-09-16 Sagi Schwartz , Qinling Wang , Fang Fang

Strategies based on Explainable Artificial Intelligence (XAI) have promoted better human interpretability of the results of black box models. This opens up the possibility of questioning whether explanations created by XAI methods meet…

Machine Learning · Computer Science 2024-07-08 José Ribeiro , Níkolas Carneiro , Ronnie Alves

Over the last few years there has been rapid research growth into eXplainable Artificial Intelligence (XAI) and the closely aligned Interpretable Machine Learning (IML). Drivers for this growth include recent legislative changes and…

Artificial Intelligence · Computer Science 2021-07-08 Richard Dazeley , Peter Vamplew , Cameron Foale , Charlotte Young , Sunil Aryal , Francisco Cruz

As Artificial Intelligence (AI) is increasingly used in areas that significantly impact human lives, concerns about fairness and transparency have grown, especially regarding their impact on protected groups. Recently, the intersection of…

Artificial Intelligence · Computer Science 2025-05-05 Vasiliki Papanikou , Danae Pla Karidi , Evaggelia Pitoura , Emmanouil Panagiotou , Eirini Ntoutsi

The use of complex machine learning models can make systems opaque to users. Machine learning research proposes the use of post-hoc explanations. However, it is unclear if they give users insights into otherwise uninterpretable models. One…

Human-Computer Interaction · Computer Science 2019-05-09 Martin Schuessler , Philipp Weiß

Explainable Artificial Intelligence (XAI) is increasingly rec ognized as essential for deploying machine learning systems in safety critical environments. In Automatic Target Recognition (ATR), where models operate on image, video, radar,…

Artificial Intelligence · Computer Science 2026-05-08 Vanessa Buhrmester , David Muench , Dimitri Bulatov , Michael Arens

As machine learning and algorithmic decision making systems are increasingly being leveraged in high-stakes human-in-the-loop settings, there is a pressing need to understand the rationale of their predictions. Researchers have responded to…

Machine Learning · Computer Science 2020-12-07 Jonathan Dinu , Jeffrey Bigham , J. Zico Kolter

Very few eXplainable AI (XAI) studies consider how users understanding of explanations might change depending on whether they know more or less about the to be explained domain (i.e., whether they differ in their expertise). Yet, expertise…

Artificial Intelligence · Computer Science 2022-12-20 Courtney Ford , Mark T Keane

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

With the rapid growth of generative AI in numerous applications, explainable AI (XAI) plays a crucial role in ensuring the responsible development and deployment of generative AI technologies. XAI has undergone notable advancements and…

Machine Learning · Computer Science 2025-01-22 Yen-Lung Huang , Ming-Hsi Weng , Hao-Tsung Yang

Explainable AI (XAI) holds significant promise for enhancing the transparency and trustworthiness of AI-driven threat detection in Security Operations Centers (SOCs). However, identifying the appropriate level and format of explanation,…

Cryptography and Security · Computer Science 2025-07-22 Nidhi Rastogi , Shirid Pant , Devang Dhanuka , Amulya Saxena , Pranjal Mairal

The applications of Artificial Intelligence (AI) methods especially machine learning techniques have increased in recent years. Classification algorithms have been successfully applied to different problems such as requirement…

Software Engineering · Computer Science 2023-02-13 Behnaz Jamasb , Reza Akbari , Seyed Raouf Khayami

Post-hoc interpretability methods play a critical role in explainable artificial intelligence (XAI), as they pinpoint portions of data that a trained deep learning model deemed important to make a decision. However, different post-hoc…

Machine Learning · Computer Science 2024-07-30 Jiawen Wei , Hugues Turbé , Gianmarco Mengaldo

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

Explanations of an AI's function can assist human decision-makers, but the most useful explanation depends on the decision's context, referred to as the downstream task. User studies are necessary to determine the best explanations for each…

Human-Computer Interaction · Computer Science 2024-09-20 Eura Nofshin , Esther Brown , Brian Lim , Weiwei Pan , Finale Doshi-Velez

Practitioners and researchers trying to strike a balance between accuracy and transparency center Explainable Artificial Intelligence (XAI) at the junction of finance. This paper offers a thorough overview of the changing scene of XAI…

General Finance · Quantitative Finance 2025-11-12 Md Talha Mohsin , Nabid Bin Nasim

Research in artificial intelligence (AI)-assisted decision-making is experiencing tremendous growth with a constantly rising number of studies evaluating the effect of AI with and without techniques from the field of explainable AI (XAI) on…

Human-Computer Interaction · Computer Science 2022-06-02 Max Schemmer , Patrick Hemmer , Maximilian Nitsche , Niklas Kühl , Michael Vössing

Although several post-hoc methods for explainable AI have been developed, most are static and neglect the user perspective, limiting their effectiveness for the target audience. In response, we developed the interactive explainable…

Artificial Intelligence · Computer Science 2025-06-27 Pauline Speckmann , Mario Nadj , Christian Janiesch

Explainable AI (XAI) techniques aim to provide insights into predictive models and enhance user performance, yet they often fall short of these expectations. Conversational XAI assistants promise to overcome such limitations, but empirical…

Machine Learning · Computer Science 2026-05-21 Sven Kruschel , Julian Rosenberger , Lasse Bohlen , Mathias Kraus , Patrick Zschech

Black-box Artificial Intelligence (AI) methods, e.g. deep neural networks, have been widely utilized to build predictive models that can extract complex relationships in a dataset and make predictions for new unseen data records. However,…

Artificial Intelligence · Computer Science 2020-09-22 Milad Moradi , Matthias Samwald