{"id":"https://openalex.org/W7204665279","doi":"https://doi.org/10.1016/j.ssaho.2026.103577","title":"Governing automated credit after explainability: From transparency to contestability","display_name":"Governing automated credit after explainability: From transparency to contestability","publication_year":2026,"publication_date":"2026-08-29","ids":{"openalex":"https://openalex.org/W7204665279","doi":"https://doi.org/10.1016/j.ssaho.2026.103577"},"language":"en","primary_location":{"id":"doi:10.1016/j.ssaho.2026.103577","doi":"https://doi.org/10.1016/j.ssaho.2026.103577","is_oa":true,"landing_page_url":"https://doi.org/10.1016/j.ssaho.2026.103577","pdf_url":"https://www.sciencedirect.com/science/article/pii/S2590291126011447/pdf","source":{"id":"https://openalex.org/S4210179183","display_name":"Social Sciences & Humanities Open","issn_l":"2590-2911","issn":["2590-2911"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","jufo-1","norway-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Social Sciences & Humanities Open","raw_type":"journal-article"},"parent_works":[],"lineage":["https://openalex.org/W7204665279"],"child_works_count":0,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.sciencedirect.com/science/article/pii/S2590291126011447/pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5055887106","display_name":"Tariq kamal Alhasan","orcid":"https://orcid.org/0000-0003-2957-334X","observed_orcids":["https://orcid.org/0000-0003-2957-334X"]},"institutions":[{"id":"https://openalex.org/I146367977","display_name":"Applied Science Private University","ror":"https://ror.org/01ah6nb52","country_code":"JO","type":"education","lineage":["https://openalex.org/I146367977"]}],"countries":["JO"],"is_corresponding":true,"raw_author_name":"Tariq Kamal Alhasan","raw_affiliation_strings":["Faculty of Law, Applied Science Private University, Amman, Jordan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Law, Applied Science Private University, Amman, Jordan","institution_ids":["https://openalex.org/I146367977"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5098979491","display_name":"Mohammed Alqaisi","orcid":"https://orcid.org/0009-0009-8818-9269","observed_orcids":["https://orcid.org/0009-0009-8818-9269","https://orcid.org/0009-0006-5105-0691"]},"institutions":[{"id":"https://openalex.org/I104941359","display_name":"Al-Ahliyya Amman University","ror":"https://ror.org/00xddhq60","country_code":"JO","type":"education","lineage":["https://openalex.org/I104941359"]}],"countries":["JO"],"is_corresponding":false,"raw_author_name":"Mohammed Alqaisi","raw_affiliation_strings":["Faculty of Law, Al-Ahliyya Amman University, Amman, Jordan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Law, Al-Ahliyya Amman University, Amman, Jordan","institution_ids":["https://openalex.org/I104941359"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5098979490","display_name":"Faisal Alabdallat","orcid":"https://orcid.org/0009-0006-4527-9609","observed_orcids":["https://orcid.org/0009-0006-4527-9609"]},"institutions":[{"id":"https://openalex.org/I145380033","display_name":"Amman Arab University","ror":"https://ror.org/039xekb14","country_code":"JO","type":"education","lineage":["https://openalex.org/I145380033"]}],"countries":["JO"],"is_corresponding":false,"raw_author_name":"Faisal Alabdallat","raw_affiliation_strings":["Faculty of Law, Amman Arab University, Amman, Jordan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Law, Amman Arab University, Amman, Jordan","institution_ids":["https://openalex.org/I145380033"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5055887106"],"corresponding_institution_ids":["https://openalex.org/I146367977"],"apc_list":{"value":1180,"currency":"USD","value_usd":1180},"apc_paid":{"value":1180,"currency":"USD","value_usd":1180},"fwci":36.2564,"has_fulltext":true,"cited_by_count":4,"citation_normalized_percentile":{"value":0.99521277,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":97,"max":98},"biblio":{"volume":"14","issue":null,"first_page":"103577","last_page":"103577"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13364","display_name":"Digitalization, Law, and Regulation","score":0.5698000192642212,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13364","display_name":"Digitalization, Law, and Regulation","score":0.5698000192642212,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.38499999046325684,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12026","display_name":"Explainable Artificial Intelligence (XAI)","score":0.025200000032782555,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/algorithmic-lending","display_name":"algorithmic lending","score":0.7210000157356262},{"id":"https://openalex.org/keywords/explainability","display_name":"explainability","score":0.9020000100135803},{"id":"https://openalex.org/keywords/human-oversight","display_name":"human oversight","score":0.6230000257492065},{"id":"https://openalex.org/keywords/contestability","display_name":"contestability","score":0.5419999957084656},{"id":"https://openalex.org/keywords/transparency","display_name":"transparency","score":0.5339999794960022},{"id":"https://openalex.org/keywords/fairness","display_name":"fairness","score":0.3569999933242798},{"id":"https://openalex.org/keywords/banking-law","display_name":"banking law","score":0.7789999842643738},{"id":"https://openalex.org/keywords/algorithmic-accountability","display_name":"algorithmic accountability","score":0.4740000069141388},{"id":"https://openalex.org/keywords/supervisory-oversight","display_name":"supervisory oversight","score":0.5149999856948853},{"id":"https://openalex.org/keywords/consumer-finance","display_name":"consumer finance","score":0.3720000088214874}],"concepts":[{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.6759999990463257},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6420000195503235},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.41850000619888306},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.32829999923706055},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3052000105381012},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.2874999940395355},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.28519999980926514},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.2635999917984009},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.258899986743927},{"id":"https://openalex.org/C18762648","wikidata":"https://www.wikidata.org/wiki/Q42213","display_name":"Work (physics)","level":2,"score":0.2549000084400177},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.25429999828338623}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1016/j.ssaho.2026.103577","doi":"https://doi.org/10.1016/j.ssaho.2026.103577","is_oa":true,"landing_page_url":"https://doi.org/10.1016/j.ssaho.2026.103577","pdf_url":"https://www.sciencedirect.com/science/article/pii/S2590291126011447/pdf","source":{"id":"https://openalex.org/S4210179183","display_name":"Social Sciences & Humanities Open","issn_l":"2590-2911","issn":["2590-2911"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","jufo-1","norway-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Social Sciences & Humanities Open","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.1016/j.ssaho.2026.103577","doi":"https://doi.org/10.1016/j.ssaho.2026.103577","is_oa":true,"landing_page_url":"https://doi.org/10.1016/j.ssaho.2026.103577","pdf_url":"https://www.sciencedirect.com/science/article/pii/S2590291126011447/pdf","source":{"id":"https://openalex.org/S4210179183","display_name":"Social Sciences & Humanities Open","issn_l":"2590-2911","issn":["2590-2911"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","jufo-1","norway-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Social Sciences & Humanities Open","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/16","score":0.8999999761581421,"display_name":"Peace, justice, and strong institutions"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7204665279.pdf","grobid_xml":"https://content.openalex.org/works/W7204665279.grobid-xml"},"referenced_works_count":35,"referenced_works":["https://openalex.org/W2618399361","https://openalex.org/W2770743945","https://openalex.org/W2980460182","https://openalex.org/W3009743688","https://openalex.org/W3117759510","https://openalex.org/W3127162919","https://openalex.org/W3144635834","https://openalex.org/W3188403602","https://openalex.org/W3209809080","https://openalex.org/W3210785036","https://openalex.org/W3217000088","https://openalex.org/W4206696894","https://openalex.org/W4213216484","https://openalex.org/W4285663225","https://openalex.org/W4309543115","https://openalex.org/W4322703895","https://openalex.org/W4386361704","https://openalex.org/W4388499666","https://openalex.org/W4391761075","https://openalex.org/W4392175569","https://openalex.org/W4396928770","https://openalex.org/W4399199908","https://openalex.org/W4400257155","https://openalex.org/W4406284808","https://openalex.org/W4408748396","https://openalex.org/W4412687403","https://openalex.org/W4417187565","https://openalex.org/W7125612937","https://openalex.org/W7127454821","https://openalex.org/W7130579095","https://openalex.org/W7140565996","https://openalex.org/W7151888158","https://openalex.org/W7164838650","https://openalex.org/W7165120657","https://openalex.org/W7167119966"],"related_works":["https://openalex.org/W7161459306","https://openalex.org/W7113896343","https://openalex.org/W7123379294","https://openalex.org/W7204631530","https://openalex.org/W7220855473","https://openalex.org/W7223342239","https://openalex.org/W4408019511","https://openalex.org/W3088815947","https://openalex.org/W4416063149","https://openalex.org/W7167886313"],"abstract_inverted_index":{"Automated":[0],"credit":[1,122],"scoring":[2],"now":[3],"structures":[4],"access":[5],"to":[6],"consumer":[7],"finance.":[8],"Yet":[9],"governance":[10],"has":[11],"centred":[12],"on":[13,57,197],"explainability":[14,35,82],"and":[15,36,72,83,89,117,126,129,162,188,202],"human":[16],"oversight,":[17],"often":[18],"assuming":[19],"that":[20,54,139,206],"procedural":[21],"transparency":[22,208],"can":[23,38],"secure":[24],"substantive":[25],"fairness.":[26],"This":[27],"article":[28,93,147],"develops":[29],"a":[30,149,177,210,217],"banking-law":[31],"account":[32],"of":[33,179],"how":[34],"oversight":[37],"backfire":[39],"when":[40],"compliance":[41],"is":[42],"monitored":[43],"through":[44,182],"auditable":[45,163],"artefacts":[46],"rather":[47,215],"than":[48,216],"outcomes,":[49],"yielding":[50],"legible":[51],"injustice:":[52],"decisions":[53],"are":[55],"reviewable":[56],"paper":[58],"yet":[59],"systematically":[60],"exclusionary":[61],"in":[62],"effect.":[63],"Using":[64],"the":[65,73],"EU":[66],"model":[67],"alongside":[68],"US":[69],"fair-lending":[70],"law":[71],"UK":[74],"Consumer":[75],"Duty":[76],"as":[77],"comparative":[78],"points,":[79],"it":[80],"reconstructs":[81],"intervention":[84],"duties":[85],"across":[86],"borrower,":[87],"governance,":[88],"supervisory":[90],"audiences.":[91],"The":[92,146,165],"identifies":[94],"three":[95],"incentive-driven":[96],"mechanisms:":[97],"proxy":[98],"concentration,":[99],"where":[100,114,132],"interpretability":[101],"pressures":[102],"channel":[103],"models":[104],"toward":[105],"legally":[106],"familiar":[107],"but":[108],"socially":[109],"stratified":[110],"variables;":[111],"defensive":[112],"rationing,":[113],"accuracy-interpretability":[115],"trade-offs":[116],"asymmetric":[118],"liability":[119],"exposure":[120],"tighten":[121],"thresholds":[123],"for":[124,152,176,212,219],"marginal":[125],"non-standard":[127],"applicants;":[128],"review":[130,169],"theatre,":[131],"human-in-the-loop":[133],"requirements":[134],"harden":[135],"into":[136],"workflow":[137],"rituals":[138],"document":[140],"responsibility":[141],"without":[142],"preserving":[143],"real":[144],"discretion.":[145],"proposes":[148],"six-element":[150],"standard":[151,166],"meaningful":[153],"intervention:":[154],"competence,":[155],"authority,":[156],"independence,":[157],"informational":[158],"sufficiency,":[159],"evidential":[160],"engagement":[161],"records.":[164],"distinguishes":[167],"genuine":[168],"from":[170],"perfunctory":[171],"click-through":[172],"approval.":[173],"It":[174,192],"argues":[175],"right":[178],"contestability,":[180],"operationalised":[181],"decision-salient":[183],"notice,":[184],"low-friction":[185],"challenge":[186],"channels":[187],"credible":[189],"escalation":[190],"paths.":[191],"outlines":[193],"outcome-facing":[194],"supervision":[195],"based":[196],"distributional":[198],"dashboards,":[199],"proxy-use":[200],"diagnostics":[201],"intervention-effectiveness":[203],"metrics.":[204],"In":[205],"model,":[207],"becomes":[209],"tool":[211],"corrective":[213],"enforcement":[214],"device":[218],"legitimating":[220],"automated":[221],"lending.":[222]},"counts_by_year":[{"year":2026,"cited_by_count":4}],"updated_date":"2026-11-13T13:42:25.865203","created_date":"2026-08-30T00:00:00"}