Research Papers

There has been recent and growing interest in the development and deployment of autonomous vehicles, encouraged by the empirical successes of powerful artificial intelligence techniques (AI), especially in the applications of deep learning and reinforcement learning. However, as demonstrated by recent traffic accidents, autonomous driving technology is not fully reliable for safe deployment. As AI is the main technology behind the intelligent navigation systems of self-driving vehicles, both the stakeholders and transportation regulators require their AI-driven software architecture to be safe, explainable, and regulatory compliant. In this paper, we propose a design framework that integrates autonomous control, explainable AI (XAI), and regulatory compliance to address this issue, and then provide an initial validation of the framework with a critical analysis in a case study. Moreover, we describe relevant XAI approaches that can help achieve the goals of the framework.

While recent advances in AI-based automated decision-making have shown many benefits for businesses and society, they also come at a cost. It has for long been known that a high level of automation of decisions can lead to various drawbacks, such as automation bias and deskilling. In particular, the deskilling of knowledge workers is a major issue, as they are the same people who should also train, challenge and evolve AI. To address this issue, we conceptualize a new class of DSS, namely Intelligent Decision Assistance (IDA) based on a literature review of two different research streams -- DSS and automation. IDA supports knowledge workers without influencing them through automated decision-making. Specifically, we propose to use techniques of Explainable AI (XAI) while withholding concrete AI recommendations. To test this conceptualization, we develop hypotheses on the impacts of IDA and provide first evidence for their validity based on empirical studies in the literature.

Explainable AI has attracted much research attention in recent years with feature attribution algorithms, which compute "feature importance" in predictions, becoming increasingly popular. However, there is little analysis of the validity of these algorithms as there is no "ground truth" in the existing datasets to validate their correctness. In this work, we develop a method to quantitatively evaluate the correctness of XAI algorithms by creating datasets with known explanation ground truth. To this end, we focus on the binary classification problems. String datasets are constructed using formal language derived from a grammar. A string is positive if and only if a certain property is fulfilled. Symbols serving as explanation ground truth in a positive string are part of an explanation if and only if they contributes to fulfilling the property. Two popular feature attribution explainers, Local Interpretable Model-agnostic Explanations (LIME) and SHapley Additive exPlanations (SHAP), are used in our experiments.We show that: (1) classification accuracy is positively correlated with explanation accuracy; (2) SHAP provides more accurate explanations than LIME; (3) explanation accuracy is negatively correlated with dataset complexity.

Enabling Machine Learning Algorithms for Credit Scoring -- Explainable Artificial Intelligence (XAI) methods for clear understanding complex predictive models

Przemysław Biecek, Marcin Chlebus, Janusz Gajda +5

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 model while gaining on its accuracy and precision. For managers to control and effectively manage credit risk and for regulators to be convinced with model quality the price to pay is too high. In this paper, we show how to take credit scoring analytics in to the next level, namely we present comparison of various predictive models (logistic regression, logistic regression with weight of evidence transformations and modern artificial intelligence algorithms) and show that advanced tree based models give best results in prediction of client default. What is even more important and valuable we also show how to boost advanced models using techniques which allow to interpret them and made them more accessible for credit risk practitioners, resolving the crucial obstacle in widespread deployment of more complex, 'black box' models like random forests, gradient boosted or extreme gradient boosted trees. All this will be shown on the large dataset obtained from the Polish Credit Bureau to which all the banks and most of the lending companies in the country do report the credit files. In this paper the data from lending companies were used. The paper then compares state of the art best practices in credit risk modelling with new advanced modern statistical tools boosted by the latest developments in the field of interpretability and explainability of artificial intelligence algorithms. We believe that this is a valuable contribution when it comes to presentation of different modelling tools but what is even more important it is showing which methods might be used to get insight and understanding of AI methods in credit risk context.

Algorithmic bias mitigation has been one of the most difficult conundrums for the data science community and Machine Learning (ML) experts. Over several years, there have appeared enormous efforts in the field of fairness in ML. Despite the progress toward identifying biases and designing fair algorithms, translating them into the industry remains a major challenge. In this paper, we present the initial results of an industrial open innovation project in the banking sector: we propose a general roadmap for fairness in ML and the implementation of a toolkit called BeFair that helps to identify and mitigate bias. Results show that training a model without explicit constraints may lead to bias exacerbation in the predictions.

Experiential AI

Drew Hemment, Ruth Aylett, Vaishak Belle +5

Experiential AI is proposed as a new research agenda in which artists and scientists come together to dispel the mystery of algorithms and make their mechanisms vividly apparent. It addresses the challenge of finding novel ways of opening up the field of artificial intelligence to greater transparency and collaboration between human and machine. The hypothesis is that art can mediate between computer code and human comprehension to overcome the limitations of explanations in and for AI systems. Artists can make the boundaries of systems visible and offer novel ways to make the reasoning of AI transparent and decipherable. Beyond this, artistic practice can explore new configurations of humans and algorithms, mapping the terrain of inter-agencies between people and machines. This helps to viscerally understand the complex causal chains in environments with AI components, including questions about what data to collect or who to collect it about, how the algorithms are chosen, commissioned and configured or how humans are conditioned by their participation in algorithmic processes.

We introduce ESGenius, a comprehensive benchmark for evaluating and enhancing the proficiency of Large Language Models (LLMs) in Environmental, Social, and Governance (ESG) and sustainability-focused question answering. ESGenius comprises two key components: (i) ESGenius-QA, a collection of 1,136 Multiple-Choice Questions (MCQs) generated by LLMs and rigorously validated by domain experts, covering a broad range of ESG pillars and sustainability topics. Each question is systematically linked to its corresponding source text, enabling transparent evaluation and supporting Retrieval-Augmented Generation (RAG) methods; and (ii) ESGenius-Corpus, a meticulously curated repository of 231 foundational frameworks, standards, reports, and recommendation documents from 7 authoritative sources. Moreover, to fully assess the capabilities and adaptation potential of LLMs, we implement a rigorous two-stage evaluation protocol -- Zero-Shot and RAG. Extensive experiments across 50 LLMs (0.5B to 671B) demonstrate that state-of-the-art models achieve only moderate performance in zero-shot settings, with accuracies around 55--70%, highlighting a significant knowledge gap for LLMs in this specialized, interdisciplinary domain. However, models employing RAG demonstrate significant performance improvements, particularly for smaller models. For example, DeepSeek-R1-Distill-Qwen-14B improves from 63.82% (zero-shot) to 80.46% with RAG. These results demonstrate the necessity of grounding responses in authoritative sources for enhanced ESG understanding. To the best of our knowledge, ESGenius is the first comprehensive QA benchmark designed to rigorously evaluate LLMs on ESG and sustainability knowledge, providing a critical tool to advance trustworthy AI in this vital domain.

This article examines the ethical and legal implications of artificial intelligence (AI) driven data collection, focusing on developments from 2023 to 2024. It analyzes recent advancements in AI technologies and their impact on data collection practices across various sectors. The study compares regulatory approaches in the European Union, the United States, and China, highlighting the challenges in creating a globally harmonized framework for AI governance. Key ethical issues, including informed consent, algorithmic bias, and privacy protection, are critically assessed in the context of increasingly sophisticated AI systems. The research explores case studies in healthcare, finance, and smart cities to illustrate the practical challenges of AI implementation. It evaluates the effectiveness of current legal frameworks and proposes solutions encompassing legal and policy recommendations, technical safeguards, and ethical frameworks. The article emphasizes the need for adaptive governance and international cooperation to address the global nature of AI development while balancing innovation with the protection of individual rights and societal values.

This article examines the evolving landscape of artificial intelligence (AI) regulation in financial services, detailing the legal frameworks and compliance challenges posed by rapid technological adoption. By reviewing current legislation, industry guidelines, and real-world use cases, it highlights how AI-driven processes, from fraud detection to algorithmic trading, offer efficiency gains yet introduce significant risks, including algorithmic bias, data privacy breaches, and lack of transparency in automated decision-making. The study compares regulatory approaches across major jurisdictions such as the European Union, United States, and United Kingdom, identifying both universal concerns, like the need for explainability and robust data protection, and region-specific compliance requirements that impact the implementation of high-risk AI applications. Additionally, it underscores emerging areas of focus, such as liability for AI-driven errors, systemic risks posed by interlinked AI systems, and the ethical considerations of technology-driven financial exclusion. The findings reveal gaps in existing rules and emphasize the necessity for adaptive, technology-neutral policies capable of fostering innovation while safeguarding consumer rights and market integrity. The article concludes by proposing a principled regulatory model that balances flexibility with enforceable standards, advocating closer collaboration between policymakers, financial institutions, and AI developers to ensure a secure, fair, and forward-looking framework for AI in finance.

This study seeks to enhance academic integrity by providing tools to detect AI-generated content in student work using advanced technologies. The findings promote transparency and accountability, helping educators maintain ethical standards and supporting the responsible integration of AI in education. A key contribution of this work is the generation of the CyberHumanAI dataset, which has 1000 observations, 500 of which are written by humans and the other 500 produced by ChatGPT. We evaluate various machine learning (ML) and deep learning (DL) algorithms on the CyberHumanAI dataset comparing human-written and AI-generated content from Large Language Models (LLMs) (i.e., ChatGPT). Results demonstrate that traditional ML algorithms, specifically XGBoost and Random Forest, achieve high performance (83% and 81% accuracies respectively). Results also show that classifying shorter content seems to be more challenging than classifying longer content. Further, using Explainable Artificial Intelligence (XAI) we identify discriminative features influencing the ML model's predictions, where human-written content tends to use a practical language (e.g., use and allow). Meanwhile AI-generated text is characterized by more abstract and formal terms (e.g., realm and employ). Finally, a comparative analysis with GPTZero show that our narrowly focused, simple, and fine-tuned model can outperform generalized systems like GPTZero. The proposed model achieved approximately 77.5% accuracy compared to GPTZero's 48.5% accuracy when tasked to classify Pure AI, Pure Human, and mixed class. GPTZero showed a tendency to classify challenging and small-content cases as either mixed or unrecognized while our proposed model showed a more balanced performance across the three classes.

AURA: Amplifying Understanding, Resilience, and Awareness for Responsible AI Content Work

Alice Qian Zhang, Judith Amores, Mary L. Gray +2

Behind the scenes of maintaining the safety of technology products from harmful and illegal digital content lies unrecognized human labor. The recent rise in the use of generative AI technologies and the accelerating demands to meet responsible AI (RAI) aims necessitates an increased focus on the labor behind such efforts in the age of AI. This study investigates the nature and challenges of content work that supports RAI efforts, or "RAI content work," that span content moderation, data labeling, and red teaming -- through the lived experiences of content workers. We conduct a formative survey and semi-structured interview studies to develop a conceptualization of RAI content work and a subsequent framework of recommendations for providing holistic support for content workers. We validate our recommendations through a series of workshops with content workers and derive considerations for and examples of implementing such recommendations. We discuss how our framework may guide future innovation to support the well-being and professional development of the RAI content workforce.

Universities are increasingly adopting data-driven strategies to enhance student success, with AI applications like Learning Analytics (LA) and Predictive Learning Analytics (PLA) playing a key role in identifying at-risk students, personalising learning, supporting teachers, and guiding educational decision-making. However, concerns are rising about potential harms these systems may pose, such as algorithmic biases leading to unequal support for minority students. While many have explored the need for Responsible AI in LA, existing works often lack practical guidance for how institutions can operationalise these principles. In this paper, we propose a novel Responsible AI framework tailored specifically to LA in Higher Education (HE). We started by mapping 11 established Responsible AI frameworks, including those by leading tech companies, to the context of LA in HE. This led to the identification of seven key principles such as transparency, fairness, and accountability. We then conducted a systematic review of the literature to understand how these principles have been applied in practice. Drawing from these findings, we present a novel framework that offers practical guidance to HE institutions and is designed to evolve with community input, ensuring its relevance as LA systems continue to develop.