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This paper is a note on new directions and methodologies for validation and explanation of Machine Learning (ML) models employed for retail credit scoring in finance. Our proposed framework draws motivation from the field of Artificial…

Counterfactual explanations provide actionable insights to achieve desired outcomes by suggesting minimal changes to input features. However, existing methods rely on fixed sets of mutable features, which makes counterfactual explanations…

Machine learning can impact people with legal or ethical consequences when it is used to automate decisions in areas such as insurance, lending, hiring, and predictive policing. In many of these scenarios, previous decisions have been made…

Software engineering increasingly involves making high-stakes decisions under uncertainty, using signals from code, field data, and socio-technical processes. Recent AI-driven support (e.g., anomaly detection, predictive analytics, AIOps,…

Recently, a method [7] was proposed to generate contrastive explanations for differentiable models such as deep neural networks, where one has complete access to the model. In this work, we propose a method, Model Agnostic Contrastive…

The challenge of balancing fairness and predictive accuracy in machine learning models, especially when sensitive attributes such as race, gender, or age are considered, has motivated substantial research in recent years. Counterfactual…

In the past decade, we have experienced a massive boom in the usage of digital solutions in higher education. Due to this boom, large amounts of data have enabled advanced data analysis methods to support learners and examine learning…

Counterfactual explanations provide human-understandable reasoning for AI-made decisions by describing minimal changes to input features that would alter a model's prediction. To be truly useful in practice, such explanations must be…

Explainable artificial intelligence (XAI) has helped elucidate the internal mechanisms of machine learning algorithms, bolstering their reliability by demonstrating the basis of their predictions. Several XAI models consider causal…

Post-hoc explanations of machine learning models are crucial for people to understand and act on algorithmic predictions. An intriguing class of explanations is through counterfactuals, hypothetical examples that show people how to obtain a…

The use of machine learning models in high-stake applications (e.g., healthcare, lending, college admission) has raised growing concerns due to potential biases against protected social groups. Various fairness notions and methods have been…

The growing integration of machine learning (ML) and artificial intelligence (AI) models into high-stakes domains such as healthcare and scientific research calls for models that are not only accurate but also interpretable. Among the…

The increasing deployment of machine learning as well as legal regulations such as EU's GDPR cause a need for user-friendly explanations of decisions proposed by machine learning models. Counterfactual explanations are considered as one of…

Counterfactual explanations are an emerging tool to enhance interpretability of deep learning models. Given a sample, these methods seek to find and display to the user similar samples across the decision boundary. In this paper, we propose…

Explainable Artificial Intelligence and Formal Argumentation have received significant attention in recent years. Argumentation-based systems often lack explainability while supporting decision-making processes. Counterfactual and…

As machine learning models are increasingly used in critical decision-making settings (e.g., healthcare, finance), there has been a growing emphasis on developing methods to explain model predictions. Such \textit{explanations} are used to…

In the environment of fair lending laws and the General Data Protection Regulation (GDPR), the ability to explain a model's prediction is of paramount importance. High quality explanations are the first step in assessing fairness.…

Counterfactuals are a concept inherited from the field of logic and in general attain to the existence of causal relations between sentences or events. In particular, this concept has been introduced also in the context of interpretability…

Counterfactual generation aims to simulate realistic hypothetical outcomes under causal interventions. Diffusion models have emerged as a powerful tool for this task, combining DDIM inversion with conditional generation and classifier-free…

Counterfactual inference is a useful tool for comparing outcomes of interventions on complex systems. It requires us to represent the system in form of a structural causal model, complete with a causal diagram, probabilistic assumptions on…