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Many ML models are opaque to humans, producing decisions too complex for humans to easily understand. In response, explainable artificial intelligence (XAI) tools that analyze the inner workings of a model have been created. Despite these…

Computers and Society · Computer Science 2021-06-17 Kiana Alikhademi , Brianna Richardson , Emma Drobina , Juan E. Gilbert

As machine learning (ML) systems take a more prominent and central role in contributing to life-impacting decisions, ensuring their trustworthiness and accountability is of utmost importance. Explanations sit at the core of these desirable…

Machine Learning · Computer Science 2021-06-16 Sahil Verma , Aditya Lahiri , John P. Dickerson , Su-In Lee

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

Rapid development of advanced modelling techniques gives an opportunity to develop tools that are more and more accurate. However as usually, everything comes with a price and in this case, the price to pay is to loose interpretability of a…

Credit scoring is a high-stakes task in financial services, where model decisions directly impact individuals' access to credit and are subject to strict regulatory scrutiny. While Quantum Machine Learning (QML) offers new computational…

Machine Learning · Computer Science 2026-02-12 Abdul Samad Khan , Nouhaila Innan , Aeysha Khalique , Muhammad Shafique

To ensure the trustworthiness and interpretability of AI systems, it is essential to align machine learning models with human domain knowledge. This can be a challenging and time-consuming endeavor that requires close communication between…

Machine Learning · Computer Science 2025-04-01 Alexander Koebler , Ingo Thon , Florian Buettner

Model interpretability is an increasingly important component of practical machine learning. Some of the most common forms of interpretability systems are example-based, local, and global explanations. One of the main challenges in…

Machine Learning · Computer Science 2019-01-08 Gregory Plumb , Denali Molitor , Ameet Talwalkar

Regulators have signalled an interest in adopting explainable AI(XAI) techniques to handle the diverse needs for model governance, operational servicing, and compliance in the financial services industry. In this short overview, we review…

Machine Learning · Computer Science 2021-08-13 Jiahao Chen , Victor Storchan

Deep learning is becoming increasingly adopted in business and industry due to its ability to transform large quantities of data into high-performing models. These models, however, are generally regarded as black boxes, which, in spite of…

Machine Learning · Computer Science 2023-02-21 Stefan Druc , Peter Wooldridge , Adarsh Krishnamurthy , Soumik Sarkar , Aditya Balu

Artificial intelligence, particularly through recent advancements in deep learning, has achieved exceptional performances in many tasks in fields such as natural language processing and computer vision. In addition to desirable evaluation…

Machine Learning · Computer Science 2024-03-04 Sean Xie , Soroush Vosoughi , Saeed Hassanpour

Deep learning methods have been very effective for a variety of medical diagnostic tasks and has even beaten human experts on some of those. However, the black-box nature of the algorithms has restricted clinical use. Recent explainability…

Computer Vision and Pattern Recognition · Computer Science 2020-05-29 Amitojdeep Singh , Sourya Sengupta , Vasudevan Lakshminarayanan

XAI refers to the techniques and methods for building AI applications which assist end users to interpret output and predictions of AI models. Black box AI applications in high-stakes decision-making situations, such as medical domain have…

Machine learning models are increasingly used in a wide variety of financial settings. The difficulty of understanding the inner workings of these systems, combined with their wide applicability, has the potential to lead to significant new…

Computational Finance · Quantitative Finance 2021-02-10 Samuel N. Cohen , Derek Snow , Lukasz Szpruch

The widespread adoption of black-box models in Artificial Intelligence has enhanced the need for explanation methods to reveal how these obscure models reach specific decisions. Retrieving explanations is fundamental to unveil possible…

Artificial Intelligence · Computer Science 2021-02-26 Francesco Bodria , Fosca Giannotti , Riccardo Guidotti , Francesca Naretto , Dino Pedreschi , Salvatore Rinzivillo

For the highly imbalanced credit card fraud detection problem, most existing methods either use data augmentation methods or conventional machine learning models, while neural network-based anomaly detection approaches are lacking.…

Machine Learning · Computer Science 2022-06-30 Tungyu Wu , Youting Wang

For applications of machine learning in critical decisions, explainability is a primary concern, and often a regulatory requirement. Local linear methods for generating explanations, such as LIME and SHAP, have been criticized for being…

Machine Learning · Computer Science 2026-03-25 Joseph L. Breeden

The main objective of eXplainable Artificial Intelligence (XAI) is to provide effective explanations for black-box classifiers. The existing literature lists many desirable properties for explanations to be useful, but there is no consensus…

Artificial Intelligence · Computer Science 2021-06-02 Elvio G. Amparore , Alan Perotti , Paolo Bajardi

Nowadays, deep neural networks are being used in many domains because of their high accuracy results. However, they are considered as "black box", means that they are not explainable for humans. On the other hand, in some tasks such as…

Machine Learning · Computer Science 2022-04-08 Niloofar Ranjbar , Reza Safabakhsh

As climate change accelerates the frequency and severity of extreme events such as wildfires, the need for accurate, explainable, and actionable forecasting becomes increasingly urgent. While artificial intelligence (AI) models have shown…

Machine Learning · Computer Science 2025-11-18 Kiana Vu , İsmet Selçuk Özer , Phung Lai , Zheng Wu , Thilanka Munasinghe , Jennifer Wei

The diffusion of artificial intelligence (AI) applications in organizations and society has fueled research on explaining AI decisions. The explainable AI (xAI) field is rapidly expanding with numerous ways of extracting information and…

Human-Computer Interaction · Computer Science 2021-01-27 Julie Gerlings , Arisa Shollo , Ioanna Constantiou
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