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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

The evaluation of explainable AI (XAI) methods is affected by a lack of standardization. Metrics are inconsistently defined, incompletely reported, and rarely validated against common baselines. In this paper, we identify transparency of…

Computer Vision and Pattern Recognition · Computer Science 2026-05-07 Rokas Gipiškis , Olga Kurasova

AI is becoming increasingly common across different domains. However, as sophisticated AI-based systems are often black-boxed, rendering the decision-making logic opaque, users find it challenging to comply with their recommendations.…

Artificial Intelligence · Computer Science 2024-06-19 Niklas Kühl , Christian Meske , Maximilian Nitsche , Jodie Lobana

Though Explainable AI (XAI) has made significant advancements, its inclusion in edge and IoT systems is typically ad-hoc and inefficient. Most current methods are "coupled" in such a way that they generate explanations simultaneously with…

Machine Learning · Computer Science 2026-05-26 Samaresh Kumar Singh , Joyjit Roy

Recent years have seen a surge of interest in the field of explainable AI (XAI), with a plethora of algorithms proposed in the literature. However, a lack of consensus on how to evaluate XAI hinders the advancement of the field. We…

Artificial Intelligence · Computer Science 2022-09-22 Q. Vera Liao , Yunfeng Zhang , Ronny Luss , Finale Doshi-Velez , Amit Dhurandhar

The development of machine learning applications has increased significantly in recent years, motivated by the remarkable ability of learning-powered systems to discover and generalize intricate patterns hidden in massive datasets. Modern…

Machine Learning · Computer Science 2025-04-25 Evandro S. Ortigossa , Fábio F. Dias , Brian Barr , Claudio T. Silva , Luis Gustavo Nonato

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 methods are being increasingly applied across various domains, but their often opaque nature has raised concerns about accountability and trust. In response, the field of explainable AI (XAI) has emerged to address…

Neural and Evolutionary Computing · Computer Science 2024-10-18 Ryan Zhou , Jaume Bacardit , Alexander Brownlee , Stefano Cagnoni , Martin Fyvie , Giovanni Iacca , John McCall , Niki van Stein , David Walker , Ting Hu

Explainable AI (XAI) is a rapidly growing domain with a myriad of proposed methods as well as metrics aiming to evaluate their efficacy. However, current studies are often of limited scope, examining only a handful of XAI methods and…

Computer Vision and Pattern Recognition · Computer Science 2025-01-03 Lukas Klein , Carsten T. Lüth , Udo Schlegel , Till J. Bungert , Mennatallah El-Assady , Paul F. Jäger

Explainable AI (XAI) and interpretable machine learning methods help to build trust in model predictions and derived insights, yet also present a perverse incentive for analysts to manipulate XAI metrics to support pre-specified…

Machine Learning · Computer Science 2025-07-16 Rahul Sharma , Sergey Redyuk , Sumantrak Mukherjee , Andrea Šipka , Eyke Hüllermeier , Sebastian Vollmer , David Selby

Explainable AI (XAI) is slowly becoming a key component for many AI applications. Rule-based and modified backpropagation XAI approaches however often face challenges when being applied to modern model architectures including innovative…

Computer Vision and Pattern Recognition · Computer Science 2023-03-28 Frederik Pahde , Galip Ümit Yolcu , Alexander Binder , Wojciech Samek , Sebastian Lapuschkin

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

Rule-based models offer a human-understandable representation, i.e. they are interpretable. For this reason, they are used to explain the decisions of non-interpretable complex models, referred to as black box models. The generation of such…

Artificial Intelligence · Computer Science 2025-03-03 Michał Kozielski , Marek Sikora , Łukasz Wawrowski

Effective human-AI teaming heavily depends on swift trust, particularly in high-stakes scenarios such as emergency response, where timely and accurate decision-making is critical. In these time-sensitive and cognitively demanding settings,…

Artificial Intelligence · Computer Science 2025-07-30 Nishani Fernando , Bahareh Nakisa , Adnan Ahmad , Mohammad Naim Rastgoo

Explainable AI (xAI) interventions aim to improve interpretability for complex black-box models, not only to improve user trust but also as a means to extract scientific insights from high-performing predictive systems. In molecular…

Machine Learning · Computer Science 2025-04-04 Jonas Teufel , Annika Leinweber , Pascal Friederich

Deep neural networks form the backbone of artificial intelligence research, with potential to transform the human experience in areas ranging from autonomous driving to personal assistants, healthcare to education. However, their…

Machine Learning · Computer Science 2025-05-29 Vinitra Swamy

Machine learning (ML) is successful in achieving human-level artificial intelligence in various fields. However, it lacks the ability to explain an outcome due to its black-box nature. While recent efforts on explainable AI (XAI) has…

Machine Learning · Computer Science 2023-05-09 Zhixin Pan , Prabhat Mishra

Both humans and machine learning models learn from experience, particularly in safety- and reliability-critical domains. While psychology seeks to understand human cognition, the field of Explainable AI (XAI) develops methods to interpret…

Human-Computer Interaction · Computer Science 2025-11-25 Roussel Rahman , Aashwin Ananda Mishra , Wan-Lin Hu

Recent work has investigated the concept of adversarial attacks on explainable AI (XAI) in the NLP domain with a focus on examining the vulnerability of local surrogate methods such as Lime to adversarial perturbations or small changes on…

Machine Learning · Computer Science 2025-01-07 Christopher Burger , Charles Walter , Thai Le , Lingwei Chen

With the advent of Industry 4.0, Data Science and Explainable Artificial Intelligence (XAI) has received considerable intrest in recent literature. However, the entry threshold into XAI, in terms of computer coding and the requisite…

Artificial Intelligence · Computer Science 2020-08-12 Athar Kharal