As artificial intelligence continues to shape decisions in healthcare, finance, criminal justice, and beyond, the need for transparency has never been more urgent. Many AI models, particularly deep learning systems, are often criticized as “black boxes”—they produce outputs without offering insights…
Explainable AI in Credit Scoring: Improving Transparency and Accountability
The use of Artificial Intelligence (AI) in credit scoring has revolutionized decision-making in the financial sector, offering efficiency and predictive accuracy. However, the opacity of AI models, particularly those based on machine learning, poses significant challenges related to transparency and accountability….