Research Papers

The development of online banking has brought about an increase in fraudulent operations, which is a major problem for banks. This study delves into the urgent requirement for interpretable, scalable, and top-notch fraud detection systems by using TabNet, an adaptable deep learning framework, on a Kaggle dataset consisting of actual bank transactions in India. Maximizing operational risk management by improving the accuracy of transaction anomaly detection and ensuring regulatory compliance through transparent models is the goal. We utilize a supervised learning pipeline that incorporates the Synthetic Minority Oversampling Technique (SMOTE) to ensure that classes are balanced. Subsequently, we conduct thorough exploratory data analysis (EDA) to identify patterns of fraud, both during specific times and across behaviors. On this dataset, five different deep learning architectures are tested: DNN, GRU, LSTM, CNN1D, and TabNet. Assessment of predictive performance was carried out using a 3-fold cross-validation framework. With a ROC-AUC of 0.9739 and an accuracy of 97.39 %, TabNet considerably outperformed the competition. The method of sparse feature selection used improved interpretability, generalized better on tabular data, and produced fewer false positives and negatives. Critical insights for operational fraud detection systems and a contribution to the broader literature on explainable AI (XAI) in financial decision-making are offered by the findings. Goals 8 and 16 of the Sustainable Development Agenda are supported by this study, which promotes inclusive economic growth and institutional transparency. Supporting strong, policy-compliant, and interpretable decision-support systems, it also offers practical use for real-time implementation in banking infrastructure.

As wireless communication evolves, each generation of networks brings new technologies that change how we connect and interact. Artificial Intelligence (AI) is becoming crucial in shaping the future of sixth-generation (6G) networks. By combining AI and Machine Learning (ML), 6G aims to offer high data rates, low latency, and extensive connectivity for applications including smart cities, autonomous systems, holographic telepresence, and the tactile internet. This paper provides a detailed overview of the role of AI in supporting 6G networks. It focuses on key technologies like deep learning, reinforcement learning, federated learning, and explainable AI. It also looks at how AI integrates with essential network functions and discusses challenges related to scalability, security, and energy efficiency, along with new solutions. Additionally, this work highlights perspectives that connect AI-driven analytics to 6G service domains like Ultra-Reliable Low-Latency Communication (URLLC), Enhanced Mobile Broadband (eMBB), Massive Machine-Type Communication (mMTC), and Integrated Sensing and Communication (ISAC). It addresses concerns about standardization, ethics, and sustainability. By summarizing recent research trends and identifying future directions, this survey offers a valuable reference for researchers and practitioners at the intersection of AI and next-generation wireless communication.

Attention Deficit Hyperactivity Disorder (ADHD) is a neurodevelopmental disorder that is challenging to diagnose and requires advanced approaches for reliable and transparent identification and classification. It is characterized by a pattern of inattention, hyperactivity and impulsivity that is more severe and more frequent than in individuals with a comparable level of development. In this paper, an explainable framework based on a fine-tuned hybrid Deep Neural Network (DNN) and Recurrent Neural Network (RNN) called HyExDNN-RNN model is proposed for ADHD detection, multi-class categorization, and decision interpretation. This framework not only detects ADHD, but also provides interpretable insights into the diagnostic process so that psychologists can better understand and trust the results of the diagnosis. We use the Pearson correlation coefficient for optimal feature selection and machine and deep learning models for experimental analysis and comparison. We use a standardized technique for feature reduction, model selection and interpretation to accurately determine the diagnosis rate and ensure the interpretability of the proposed framework. Our framework provided excellent results on binary classification, with HyExDNN-RNN achieving an F1 score of 99% and 94.2% on multi-class categorization. XAI approaches, in particular SHapley Additive exPlanations (SHAP) and Permutation Feature Importance (PFI), provided important insights into the importance of features and the decision logic of models. By combining AI with human expertise, we aim to bridge the gap between advanced computational techniques and practical psychological applications. These results demonstrate the potential of our framework to assist in ADHD diagnosis and interpretation.

Foundation models (FMs) are driving a prominent shift in biomedical imaging from task-specific models to unified backbone models for diverse tasks. This opens an avenue to integrate imaging, pathology, clinical records, and genomics data into a composite system. However, this vision contrasts sharply with modern medicine's trajectory toward more granular sub-specialization. This tension, coupled with data scarcity, domain heterogeneity, and limited interpretability, creates a gap between benchmark success and real-world clinical value. We argue that the immediate role of FMs lies in augmenting, not replacing, clinical expertise. To separate hype from reality, we introduce REAL-FM (Real-world Evaluation and Assessment of Foundation Models), a multi-dimensional framework for assessing data, technical readiness, clinical value, workflow integration, and responsible AI. Using REAL-FM, we find that while FMs excel in pattern recognition, they fall short in causal reasoning, domain robustness, and safety. Clinical translation is hindered by scarce representative data for model training, unverified generalization beyond oversimplified benchmark settings, and a lack of prospective outcome-based validation. We further examine FM reasoning paradigms, including sequential logic, spatial understanding, and symbolic domain knowledge. We envision that the path forward lies not in a monolithic medical oracle, but in coordinated subspecialist AI systems that are transparent, safe, and clinically grounded.

Symbol Grounding in Neuro-Symbolic AI: A Gentle Introduction to Reasoning Shortcuts

Emanuele Marconato, Samuele Bortolotti, Emile van Krieken +6

Neuro-symbolic (NeSy) AI aims to develop deep neural networks whose predictions comply with prior knowledge encoding, e.g. safety or structural constraints. As such, it represents one of the most promising avenues for reliable and trustworthy AI. The core idea behind NeSy AI is to combine neural and symbolic steps: neural networks are typically responsible for mapping low-level inputs into high-level symbolic concepts, while symbolic reasoning infers predictions compatible with the extracted concepts and the prior knowledge. Despite their promise, it was recently shown that - whenever the concepts are not supervised directly - NeSy models can be affected by Reasoning Shortcuts (RSs). That is, they can achieve high label accuracy by grounding the concepts incorrectly. RSs can compromise the interpretability of the model's explanations, performance in out-of-distribution scenarios, and therefore reliability. At the same time, RSs are difficult to detect and prevent unless concept supervision is available, which is typically not the case. However, the literature on RSs is scattered, making it difficult for researchers and practitioners to understand and tackle this challenging problem. This overview addresses this issue by providing a gentle introduction to RSs, discussing their causes and consequences in intuitive terms. It also reviews and elucidates existing theoretical characterizations of this phenomenon. Finally, it details methods for dealing with RSs, including mitigation and awareness strategies, and maps their benefits and limitations. By reformulating advanced material in a digestible form, this overview aims to provide a unifying perspective on RSs to lower the bar to entry for tackling them. Ultimately, we hope this overview contributes to the development of reliable NeSy and trustworthy AI models.

Causal SHAP: Feature Attribution with Dependency Awareness through Causal Discovery

Woon Yee Ng, Li Rong Wang, Siyuan Liu +1

Explaining machine learning (ML) predictions has become crucial as ML models are increasingly deployed in high-stakes domains such as healthcare. While SHapley Additive exPlanations (SHAP) is widely used for model interpretability, it fails to differentiate between causality and correlation, often misattributing feature importance when features are highly correlated. We propose Causal SHAP, a novel framework that integrates causal relationships into feature attribution while preserving many desirable properties of SHAP. By combining the Peter-Clark (PC) algorithm for causal discovery and the Intervention Calculus when the DAG is Absent (IDA) algorithm for causal strength quantification, our approach addresses the weakness of SHAP. Specifically, Causal SHAP reduces attribution scores for features that are merely correlated with the target, as validated through experiments on both synthetic and real-world datasets. This study contributes to the field of Explainable AI (XAI) by providing a practical framework for causal-aware model explanations. Our approach is particularly valuable in domains such as healthcare, where understanding true causal relationships is critical for informed decision-making.

Automated detection of vulnerabilities in source code is an essential cybersecurity challenge, underpinning trust in digital systems and services. Graph Neural Networks (GNNs) have emerged as a promising approach as they can learn structural and logical code relationships in a data-driven manner. However, their performance is severely constrained by training data imbalances and label noise. GNNs often learn 'spurious' correlations from superficial code similarities, producing detectors that fail to generalize well to unseen real-world data. In this work, we propose a unified framework for robust and interpretable vulnerability detection, called VISION, to mitigate spurious correlations by systematically augmenting a counterfactual training dataset. Counterfactuals are samples with minimal semantic modifications but opposite labels. Our framework includes: (i) generating counterfactuals by prompting a Large Language Model (LLM); (ii) targeted GNN training on paired code examples with opposite labels; and (iii) graph-based interpretability to identify the crucial code statements relevant for vulnerability predictions while ignoring spurious ones. We find that VISION reduces spurious learning and enables more robust, generalizable detection, improving overall accuracy (from 51.8% to 97.8%), pairwise contrast accuracy (from 4.5% to 95.8%), and worst-group accuracy (from 0.7% to 85.5%) on the Common Weakness Enumeration (CWE)-20 vulnerability. We further demonstrate gains using proposed metrics: intra-class attribution variance, inter-class attribution distance, and node score dependency. We also release CWE-20-CFA, a benchmark of 27,556 functions (real and counterfactual) from the high-impact CWE-20 category. Finally, VISION advances transparent and trustworthy AI-based cybersecurity systems through interactive visualization for human-in-the-loop analysis.

Machine learning (ML), including deep learning (DL) and radiomics-based methods, is increasingly used for cancer outcome prediction with PET and SPECT imaging. However, the comparative performance of handcrafted radiomics features (HRF), deep radiomics features (DRF), DL models, and hybrid fusion approaches remains inconsistent across clinical applications. This systematic review analyzed 226 studies published from 2020 to 2025 that applied ML to PET or SPECT imaging for outcome prediction. Each study was evaluated using a 59-item framework covering dataset construction, feature extraction, validation methods, interpretability, and risk of bias. We extracted key details including model type, cancer site, imaging modality, and performance metrics such as accuracy and area under the curve (AUC). PET-based studies (95%) generally outperformed those using SPECT, likely due to higher spatial resolution and sensitivity. DRF models achieved the highest mean accuracy (0.862), while fusion models yielded the highest AUC (0.861). ANOVA confirmed significant differences in performance (accuracy: p=0.0006, AUC: p=0.0027). Common limitations included inadequate handling of class imbalance (59%), missing data (29%), and low population diversity (19%). Only 48% of studies adhered to IBSI standards. These findings highlight the need for standardized pipelines, improved data quality, and explainable AI to support clinical integration.

Melanoma, one of the deadliest types of skin cancer, accounts for thousands of fatalities globally. The bluish, blue-whitish, or blue-white veil (BWV) is a critical feature for diagnosing melanoma, yet research into detecting BWV in dermatological images is limited. This study utilizes a non-annotated skin lesion dataset, which is converted into an annotated dataset using a proposed imaging algorithm based on color threshold techniques on lesion patches and color palettes. A Deep Convolutional Neural Network (DCNN) is designed and trained separately on three individual and combined dermoscopic datasets, using custom layers instead of standard activation function layers. The model is developed to categorize skin lesions based on the presence of BWV. The proposed DCNN demonstrates superior performance compared to conventional BWV detection models across different datasets. The model achieves a testing accuracy of 85.71% on the augmented PH2 dataset, 95.00% on the augmented ISIC archive dataset, 95.05% on the combined augmented (PH2+ISIC archive) dataset, and 90.00% on the Derm7pt dataset. An explainable artificial intelligence (XAI) algorithm is subsequently applied to interpret the DCNN's decision-making process regarding BWV detection. The proposed approach, coupled with XAI, significantly improves the detection of BWV in skin lesions, outperforming existing models and providing a robust tool for early melanoma diagnosis.

Pathology image segmentation is crucial in computational pathology for analyzing histological features relevant to cancer diagnosis and prognosis. However, current methods face major challenges in clinical applications due to limited annotated data and restricted category definitions. To address these limitations, we propose PathSegmentor, the first text-prompted segmentation foundation model designed specifically for pathology images. We also introduce PathSeg, the largest and most comprehensive dataset for pathology segmentation, built from 21 public sources and containing 275k image-mask-label triples across 160 diverse categories. With PathSegmentor, users can perform semantic segmentation using natural language prompts, eliminating the need for laborious spatial inputs such as points or boxes. Extensive experiments demonstrate that PathSegmentor outperforms specialized models with higher accuracy and broader applicability, while maintaining a compact architecture. It significantly surpasses existing spatial- and text-prompted models by 0.145 and 0.429 in overall Dice scores, respectively, showing strong robustness in segmenting complex structures and generalizing to external datasets. Moreover, PathSegmentor's outputs enhance the interpretability of diagnostic models through feature importance estimation and imaging biomarker discovery, offering pathologists evidence-based support for clinical decision-making. This work advances the development of explainable AI in precision oncology.

Brain tumors, regardless of being benign or malignant, pose considerable health risks, with malignant tumors being more perilous due to their swift and uncontrolled proliferation, resulting in malignancy. Timely identification is crucial for enhancing patient outcomes, particularly in nations such as Bangladesh, where healthcare infrastructure is constrained. Manual MRI analysis is arduous and susceptible to inaccuracies, rendering it inefficient for prompt diagnosis. This research sought to tackle these problems by creating an automated brain tumor classification system utilizing MRI data obtained from many hospitals in Bangladesh. Advanced deep learning models, including VGG16, VGG19, and ResNet50, were utilized to classify glioma, meningioma, and various brain cancers. Explainable AI (XAI) methodologies, such as Grad-CAM and Grad-CAM++, were employed to improve model interpretability by emphasizing the critical areas in MRI scans that influenced the categorization. VGG16 achieved the most accuracy, attaining 99.17%. The integration of XAI enhanced the system's transparency and stability, rendering it more appropriate for clinical application in resource-limited environments such as Bangladesh. This study highlights the capability of deep learning models, in conjunction with explainable artificial intelligence (XAI), to enhance brain tumor detection and identification in areas with restricted access to advanced medical technologies.

In recent years, Artificial Intelligence technology has excelled in various applications across all domains and fields. However, the various algorithms in neural networks make it difficult to understand the reasons behind decisions. For this reason, trustworthy AI techniques have started gaining popularity. The concept of trustworthiness is cross-disciplinary; it must meet societal standards and principles, and technology is used to fulfill these requirements. In this paper, we first surveyed developments from various countries and regions on the ethical elements that make AI algorithms trustworthy; and then focused our survey on the state of the art research into the interpretability of AI. We have conducted an intensive survey on technologies and techniques used in making AI explainable. Finally, we identified new trends in achieving explainable AI. In particular, we elaborate on the strong link between the explainability of AI and the meta-reasoning of autonomous systems. The concept of meta-reasoning is 'reason the reasoning', which coincides with the intention and goal of explainable Al. The integration of the approaches could pave the way for future interpretable AI systems.