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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

Indecipherable black boxes are common in machine learning (ML), but applications increasingly require explainable artificial intelligence (XAI). The core of XAI is to establish transparent and interpretable data-driven algorithms. This work…

Optimization and Control · Mathematics 2023-06-13 Howard Heaton , Samy Wu Fung

In this paper I argue that the search for explainable models and interpretable decisions in AI must be reformulated in terms of the broader project of offering a pragmatic and naturalistic account of understanding in AI. Intuitively, the…

Artificial Intelligence · Computer Science 2020-06-23 Andrés Páez

Explainable Artificial Intelligence (XAI) is a rising field in AI. It aims to produce a demonstrative factor of trust, which for human subjects is achieved through communicative means, which Machine Learning (ML) algorithms cannot solely…

Machine Learning · Computer Science 2021-03-09 Jamie Andrew Duell

Explainable Artificial Intelligence (XAI) is an emerging research field bringing transparency to highly complex and opaque machine learning (ML) models. Despite the development of a multitude of methods to explain the decisions of black-box…

Machine Learning · Computer Science 2022-03-16 Leander Weber , Sebastian Lapuschkin , Alexander Binder , Wojciech Samek

In the context of Industry 4.0, Supply Chain Management (SCM) faces challenges in adopting advanced optimization techniques due to the "black-box" nature of most AI-based solutions, which causes reluctance among company stakeholders. To…

Neural and Evolutionary Computing · Computer Science 2025-04-17 Stefano Genetti , Alberto Longobardi , Giovanni Iacca

Although modern machine learning and deep learning methods allow for complex and in-depth data analytics, the predictive models generated by these methods are often highly complex, and lack transparency. Explainable AI (XAI) methods are…

Machine Learning · Computer Science 2021-06-17 Mythreyi Velmurugan , Chun Ouyang , Catarina Moreira , Renuka Sindhgatta

The debate between self-interpretable models and post-hoc explanations for black-box models is central to Explainable AI (XAI). Self-interpretable models, such as concept-based networks, offer insights by connecting decisions to…

Machine Learning · Computer Science 2025-02-26 Shaobo Wang , Hongxuan Tang , Mingyang Wang , Hongrui Zhang , Xuyang Liu , Weiya Li , Xuming Hu , Linfeng Zhang

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

Artificial Intelligence (AI) is rapidly expanding and integrating more into daily life to automate tasks, guide decision making, and enhance efficiency. However, complex AI models, which make decisions without providing clear explanations…

Software Engineering · Computer Science 2025-09-03 Lakshit Arora , Sanjay Surendranath Girija , Shashank Kapoor , Aman Raj , Dipen Pradhan , Ankit Shetgaonkar

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

The growing complexity of machine learning and deep learning models has led to an increased reliance on opaque "black box" systems, making it difficult to understand the rationale behind predictions. This lack of transparency is…

Machine Learning · Computer Science 2025-02-06 Pratinav Seth , Yashwardhan Rathore , Neeraj Kumar Singh , Chintan Chitroda , Vinay Kumar Sankarapu

While the increased integration of AI technologies into interactive systems enables them to solve an equally increasing number of tasks, the black box problem of AI models continues to spread throughout the interactive system as a whole.…

Human-Computer Interaction · Computer Science 2025-06-04 Sebe Vanbrabant , Gustavo Rovelo Ruiz , Davy Vanacken

Explainability has been a challenge in AI for as long as AI has existed. With the recently increased use of AI in society, it has become more important than ever that AI systems would be able to explain the reasoning behind their results…

Artificial Intelligence · Computer Science 2020-09-30 Kary Främling

Artificial Intelligence (AI) has continued to achieve tremendous success in recent times. However, the decision logic of these frameworks is often not transparent, making it difficult for stakeholders to understand, interpret or explain…

Machine Learning · Computer Science 2025-01-20 Fuseini Mumuni , Alhassan Mumuni

Nowadays, deep neural networks are widely used in a variety of fields that have a direct impact on society. Although those models typically show outstanding performance, they have been used for a long time as black boxes. To address this,…

Machine Learning · Computer Science 2022-10-11 Huawei Sun , Lorenzo Servadei , Hao Feng , Michael Stephan , Robert Wille , Avik Santra

There has been a significant surge of interest recently around the concept of explainable artificial intelligence (XAI), where the goal is to produce an interpretation for a decision made by a machine learning algorithm. Of particular…

Machine Learning · Computer Science 2019-10-31 Zhong Qiu Lin , Mohammad Javad Shafiee , Stanislav Bochkarev , Michael St. Jules , Xiao Yu Wang , Alexander Wong

eXplainable Artificial Intelligence (XAI) aims at providing understandable explanations of black box models. In this paper, we evaluate current XAI methods by scoring them based on ground truth simulations and sensitivity analysis. To this…

Explainable AI (XAI) techniques are increasingly important for the validation and responsible use of modern deep learning models, but are difficult to evaluate due to the lack of good ground-truth to compare against. We propose a framework…

Artificial Intelligence · Computer Science 2026-05-19 Amritpal Singh , Andrey Barsky , Mohamed Ali Souibgui , Ernest Valveny , Dimosthenis Karatzas

Explainable artificial intelligence (XAI) aims to develop transparent explanatory approaches for "black-box" deep learning models. However,it remains difficult for existing methods to achieve the trade-off of the three key criteria in…

Computer Vision and Pattern Recognition · Computer Science 2023-12-27 Changqi Sun , Hao Xu , Yuntian Chen , Dongxiao Zhang
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