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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

Recent years have seen important advances in the quality of state-of-the-art models, but this has come at the expense of models becoming less interpretable. This survey presents an overview of the current state of Explainable AI (XAI),…

Computation and Language · Computer Science 2025-04-16 Marina Danilevsky , Kun Qian , Ranit Aharonov , Yannis Katsis , Ban Kawas , Prithviraj Sen

Academic performance is perceived as a product of complex interactions between students' overall experience, personal characteristics and upbringing. Data science techniques, most commonly involving regression analysis and related…

Computers and Society · Computer Science 2021-01-19 Anahit Sargsyan , Areg Karapetyan , Wei Lee Woon , Aamena Alshamsi

A longstanding challenge surrounding deep learning algorithms is unpacking and understanding how they make their decisions. Explainable Artificial Intelligence (XAI) offers methods to provide explanations of internal functions of algorithms…

Artificial Intelligence · Computer Science 2022-08-16 Amin Nayebi , Sindhu Tipirneni , Brandon Foreman , Chandan K. Reddy , Vignesh Subbian

Explainable Artificial Intelligence (XAI) aims to make machine learning models transparent and trustworthy, yet most current approaches communicate explanations visually or through text. This paper introduces an information theoretic…

Human-Computer Interaction · Computer Science 2026-02-10 Mona Rajhans , Vishal Khawarey

In recent years, the impact of machine learning (ML) and artificial intelligence (AI) in society has been absolutely remarkable. This impact is expected to continue in the foreseeable future. However,the adoption of AI/ML is also a cause of…

Artificial Intelligence · Computer Science 2024-06-19 Joao Marques-Silva

Decisions in organizations are about evaluating alternatives and choosing the one that would best serve organizational goals. To the extent that the evaluation of alternatives could be formulated as a predictive task with appropriate…

Human-Computer Interaction · Computer Science 2022-06-30 Charles Wan , Rodrigo Belo , Leid Zejnilović

Methods for reasoning under uncertainty are a key building block of accurate and reliable machine learning systems. Bayesian methods provide a general framework to quantify uncertainty. However, because of model misspecification and the use…

Machine Learning · Computer Science 2018-07-03 Volodymyr Kuleshov , Nathan Fenner , Stefano Ermon

With wide application of Artificial Intelligence (AI), it has become particularly important to make decisions of AI systems explainable and transparent. In this paper, we proposed a new Explainable Artificial Intelligence (XAI) method…

Artificial Intelligence · Computer Science 2025-04-01 Chi Zhao , Jing Liu , Elena Parilina

With the ever-growing achievements in Artificial Intelligence (AI) and the recent boosted enthusiasm in Financial Technology (FinTech), applications such as credit scoring have gained substantial academic interest. Credit scoring helps…

Risk Management · Quantitative Finance 2020-12-08 Lara Marie Demajo , Vince Vella , Alexiei Dingli

Recently, in eXplainable AI (XAI), $\textit{even if}$ explanations -- so-called semi-factuals -- have emerged as a popular strategy that explains how a predicted outcome $\textit{can remain the same}$ even when certain input-features are…

Artificial Intelligence · Computer Science 2026-03-19 Saugat Aryal , Mark T. Keane

The increasing incorporation of Artificial Intelligence in the form of automated systems into decision-making procedures highlights not only the importance of decision theory for automated systems but also the need for these decision…

Artificial Intelligence · Computer Science 2018-08-23 Tarek R. Besold , Sara L. Uckelman

Machine learning (ML) is becoming increasingly popular in meteorological decision-making. Although the literature on explainable artificial intelligence (XAI) is growing steadily, user-centered XAI studies have not extend to this domain…

Artificial Intelligence · Computer Science 2025-04-02 Soyeon Kim , Junho Choi , Yeji Choi , Subeen Lee , Artyom Stitsyuk , Minkyoung Park , Seongyeop Jeong , Youhyun Baek , Jaesik Choi

Explainable Artificial Intelligence (XAI) has emerged as a critical tool for interpreting the predictions of complex deep learning models. While XAI has been increasingly applied in various domains within acoustics, its use in bioacoustics,…

Sound · Computer Science 2025-09-11 Zubair Faruqui , Mackenzie S. McIntire , Rahul Dubey , Jay McEntee

With the availability of large databases and recent improvements in deep learning methodology, the performance of AI systems is reaching or even exceeding the human level on an increasing number of complex tasks. Impressive examples of this…

Artificial Intelligence · Computer Science 2017-08-29 Wojciech Samek , Thomas Wiegand , Klaus-Robert Müller

Explanation mechanisms from the field of Counterfactual Thinking are a widely-used paradigm for Explainable Artificial Intelligence (XAI), as they follow a natural way of reasoning that humans are familiar with. However, all common…

Artificial Intelligence · Computer Science 2022-07-20 Silvan Mertes , Christina Karle , Tobias Huber , Katharina Weitz , Ruben Schlagowski , Elisabeth André

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

The surge in black-box AI models has prompted the need to explain the internal mechanism and justify their reliability, especially in high-stakes applications, such as healthcare and autonomous driving. Due to the lack of a rigorous…

Artificial Intelligence · Computer Science 2024-03-18 Yongjie Wang , Tong Zhang , Xu Guo , Zhiqi Shen

This paper addresses the challenge of selecting explanations for XAI (Explainable AI)-based Intelligent Decision Support Systems (IDSSs). IDSSs have shown promise in improving user decisions through XAI-generated explanations along with AI…

Human-Computer Interaction · Computer Science 2024-05-28 Yosuke Fukuchi , Seiji Yamada

EXplainable AI (XAI) methods have been proposed to interpret how a deep neural network predicts inputs through model saliency explanations that highlight the parts of the inputs deemed important to arrive a decision at a specific target.…

Computer Vision and Pattern Recognition · Computer Science 2020-09-23 Yi-Shan Lin , Wen-Chuan Lee , Z. Berkay Celik