{"id":"https://openalex.org/W7225754219","doi":"https://doi.org/10.5281/zenodo.24105563","title":"Explainable Artificial Intelligence (XAI) In The Banking Sector: A Review Of Techniques For Transparent Credit, Fraud And Compliance Decisions","display_name":"Explainable Artificial Intelligence (XAI) In The Banking Sector: A Review Of Techniques For Transparent Credit, Fraud And Compliance Decisions","publication_year":2026,"publication_date":"2026-11-10","ids":{"openalex":"https://openalex.org/W7225754219","doi":"https://doi.org/10.5281/zenodo.24105563"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.24105563","doi":"https://doi.org/10.5281/zenodo.24105563","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24105563","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.24105563","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161383410","display_name":"Pingale Neha Pravin","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Pingale Neha Pravin","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5161376999","display_name":"Prof. M. R. Kumbhoje","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Prof. M. R. Kumbhoje","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5161211958","display_name":"Prof. M. C. Kolse","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Prof. M. C. Kolse","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5161196024","display_name":"Prof. S. K. Said","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Prof. S. K. Said","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12026","display_name":"Explainable Artificial Intelligence (XAI)","score":1.0,"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"}},"topics":[{"id":"https://openalex.org/T12026","display_name":"Explainable Artificial Intelligence (XAI)","score":1.0,"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/T10883","display_name":"Ethics and Social Impacts of AI","score":0.0,"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[],"concepts":[{"id":"https://openalex.org/C108650721","wikidata":"https://www.wikidata.org/wiki/Q1783253","display_name":"Counterfactual thinking","level":2,"score":0.6202999949455261},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.5494999885559082},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.49129998683929443},{"id":"https://openalex.org/C2776007630","wikidata":"https://www.wikidata.org/wiki/Q2798912","display_name":"Accountability","level":2,"score":0.46219998598098755},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.44589999318122864},{"id":"https://openalex.org/C2781460075","wikidata":"https://www.wikidata.org/wiki/Q1399332","display_name":"Compliance (psychology)","level":2,"score":0.42660000920295715},{"id":"https://openalex.org/C116834253","wikidata":"https://www.wikidata.org/wiki/Q2039217","display_name":"Identification (biology)","level":2,"score":0.4178999960422516},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.413100004196167},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3813999891281128},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.37880000472068787},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.3727000057697296},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.35839998722076416},{"id":"https://openalex.org/C84525736","wikidata":"https://www.wikidata.org/wiki/Q831366","display_name":"Decision tree","level":2,"score":0.33489999175071716},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.33250001072883606},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.3131999969482422},{"id":"https://openalex.org/C107327155","wikidata":"https://www.wikidata.org/wiki/Q330268","display_name":"Decision support system","level":2,"score":0.3073999881744385},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.28949999809265137},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2888000011444092},{"id":"https://openalex.org/C98965940","wikidata":"https://www.wikidata.org/wiki/Q877496","display_name":"Transaction cost","level":2,"score":0.28600001335144043},{"id":"https://openalex.org/C46686674","wikidata":"https://www.wikidata.org/wiki/Q466303","display_name":"Boosting (machine learning)","level":2,"score":0.28439998626708984},{"id":"https://openalex.org/C70153297","wikidata":"https://www.wikidata.org/wiki/Q5591907","display_name":"Gradient boosting","level":3,"score":0.2775999903678894},{"id":"https://openalex.org/C30589699","wikidata":"https://www.wikidata.org/wiki/Q624028","display_name":"Credit default swap","level":3,"score":0.2759999930858612},{"id":"https://openalex.org/C2776401178","wikidata":"https://www.wikidata.org/wiki/Q12050496","display_name":"Feature (linguistics)","level":2,"score":0.2754000127315521},{"id":"https://openalex.org/C2778114724","wikidata":"https://www.wikidata.org/wiki/Q1365583","display_name":"Bad debt","level":3,"score":0.25760000944137573}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.24105563","doi":"https://doi.org/10.5281/zenodo.24105563","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24105563","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},{"id":"doi:10.5281/zenodo.24105564","doi":"https://doi.org/10.5281/zenodo.24105564","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24105564","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"}],"best_oa_location":{"id":"doi:10.5281/zenodo.24105563","doi":"https://doi.org/10.5281/zenodo.24105563","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24105563","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"Banks":[0],"increasingly":[1],"use":[2],"complex":[3],"machine":[4],"learning":[5],"models":[6,29,100],"such":[7,101],"as":[8,48,102],"neural":[9],"networks,":[10],"random":[11],"forests":[12],"and":[13,25,34,41,70,105,116,119,136,146,160,181,196],"gradient":[14],"boosting":[15],"for":[16,88,173,193],"credit":[17,40,132],"scoring,":[18],"loan":[19,56],"approval,":[20],"fraud":[21,134],"detection,":[22],"risk":[23,157],"assessment":[24],"anti-money":[26],"laundering.":[27],"These":[28],"process":[30],"sensitive":[31],"financial":[32],"data":[33],"directly":[35],"affect":[36],"people's":[37],"access":[38],"to":[39],"other":[42],"essential":[43,192],"services,":[44],"yet":[45],"many":[46],"operate":[47],"black":[49],"boxes":[50],"that":[51,74,122,189],"cannot":[52],"explain":[53],"why":[54,92],"a":[55,60,128,182],"was":[57],"rejected":[58],"or":[59],"transaction":[61],"flagged.":[62],"This":[63,81],"raises":[64],"concerns":[65],"about":[66],"fairness,":[67],"bias,":[68],"accountability":[69],"compliance":[71],"with":[72,143,177],"regulations":[73],"require":[75],"meaningful":[76],"justification":[77],"of":[78,164,184],"automated":[79],"decisions.":[80],"paper":[82],"reviews":[83],"Explainable":[84],"Artificial":[85],"Intelligence":[86],"(XAI)":[87],"banking.":[89,199],"It":[90],"examines":[91],"explainability":[93,190],"is":[94,175,191],"needed,":[95],"then":[96],"surveys":[97],"inherently":[98],"interpretable":[99],"logistic":[103],"regression":[104],"decision":[106,138],"trees,":[107],"post-hoc":[108],"techniques":[109],"including":[110,149],"LIME,":[111],"SHAP,":[112],"accumulated":[113],"local":[114],"effects":[115],"feature":[117],"importance,":[118],"counterfactual":[120],"explanations":[121],"tell":[123],"customers":[124],"what":[125],"would":[126],"change":[127],"decision.":[129],"Applications":[130],"in":[131],"risk,":[133],"detection":[135],"customer":[137],"support":[139],"are":[140],"discussed,":[141],"together":[142],"fairness":[144],"metrics":[145],"regulatory":[147],"frameworks":[148],"the":[150,152,161],"GDPR,":[151],"EU":[153],"AI":[154,167],"Act,":[155],"model":[156],"management":[158],"guidance":[159],"Reserve":[162],"Bank":[163],"India's":[165],"responsible":[166],"framework.":[168],"A":[169],"layered":[170],"XAI":[171],"architecture":[172],"banking":[174],"proposed,":[176],"research":[178],"gaps,":[179],"objectives":[180],"comparison":[183],"techniques.":[185],"The":[186],"review":[187],"concludes":[188],"transparent,":[194],"ethical":[195],"reliable":[197],"AI-driven":[198]},"counts_by_year":[],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2026-11-11T00:00:00"}
